Your financial advisoR. In Frankfurt, Wiesbaden and Mainz.
Your FinancialAdvisor.
What Does Independent Financial Advice Mean?
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For your financial advice to truly help you achieve your goals, it is important that the advisory service is free from conflicts of interest, i.e., it is independent.
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This means that your financial advisor should ideally not be in any dependency relationship.
Dependency relationships can include:
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Product Manufacturers | Selling specific products (incentive systems)
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Financial Sales | Sales incentive systems for selling certain products for employed or pseudo-self-employed financial advisors
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Compensation | Compensation based on commission (possible!)
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A demonstrably independent financial advisor is also distinguished by a clear business model, which you should examine in detail.
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Furthermore, they should have professional qualifications, licenses, accreditations, and certifications, which you can easily verify through initial information provided by the financial advisor.
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We advise you to:
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Thoroughly and calmly check in advance whether the financial advisor and their business model are independent.
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Also consider:
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A. Does this person fit well with you on a personal level?
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B. Does the advisor's qualification and profession match your needs?
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This ensures that you are guided to the best and most efficient result for you.
In most cases, a financial advisor will offer a free initial consultation where you can clarify all your open questions.
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Get to know us personally:
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What do you think:
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How many financial advisors are there in Germany?
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At Carsten R. Streb e.K. | Your Financial Planner, we are accredited and certified (as of June 2024, Certified Financial Planner) financial planners working on a fee-only basis.
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Our financial planning is based purely on a fee structure. We advise you in your best interest – i.e., independently from financial distributors or product manufacturers, and select the most efficient solution from all available financial products on the market (investment, cost, tax, and behavioral efficiency).
We strive for your financial happiness.
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Your Financial Advisor | Our Consulting Approach
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We specialize in personalized financial advice and assist you at every stage of your life. Let us work together to clarify:
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Where do you currently stand?
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What do you truly value?
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Where do you want to go (your personal goals, i.e., desires, needs, and their prioritization)?
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How do you get there?
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Our financial consulting follows a clear process:
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Information on customer ratings according to §5b UWG Transparency is important in all areas of Carsten R. Streb | Ihr FinanzPlaner. For this reason, our customer reviews on the respective platforms (Proven Expert, whofinance, Google Maps) are checked and verified for authenticity before publication. The reviews displayed were written exclusively by real customers who have received a consulting service from Carsten R. Streb. We publish all verified reviews - regardless of whether they are positive or negative.
1. getting to know each other.
We start with a personal meeting in our offices - in
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Wiesbaden,
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Frankfurt
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Mainz or
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digitally
- This only costs you and me our time.
The aim of our meeting is to determine your goals and wishes and your individual questions.
4. counselling
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In your personal financial consultation, I will present you with your individual client profile, providing you with initial basic knowledge so that you can make clear and informed decisions regarding your finances. It goes without saying that I will consistently utilise scientific findings.
2. status quo | definition
We ask you to answer some of our questions. This forms the basis of your personalised financial plan.
Together we will define our possible collaboration based on your wishes and expectations.
We will agree together which fee model is in your best interests and is appropriate for you.
You then mandate me on a holistic or project-orientated basis.
5. realisation
Optional - i.e. if you wish, we can implement your FinancialPlan or your financial project plan according to your concept.
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If you do not want a joint implementation, your FinancialConsulting ends after your consultation and you have the necessary information to implement your FinancialPlan independently.
3. planning
We analyse all your private and business financial flows as well as your total assets and calculate possible risk scenarios.
From this, we derive specific recommendations for action and design your holistic personal financial plan or your personal financial project plan.
6. accompaniment
Your financial advice includes - by arrangement - comprehensive support. We clarify any questions you may have - by phone, digitally or in person. In your annual meeting, we offer you a personalised check-up and make any necessary adjustments.
Your financial advice. | Your advantage.
System efficiency.
Scientific approach.
Freedom from forecasts.
Behavioural efficiency.
Let's take a behaviour-oriented approach (human factor).
Disciplined, step by step, towards your goals.
Tax efficiency.
Let us make tax a factor in your investment
efficiently.
Cost efficiency.
Your system, your costs. We see these as your investment, i.e. they are clear and target-orientated.
We help you to achieve your individual goals with our independent and personalised financial advice on a purely fee-based basis.
In particular, we endeavour to achieve yours: