Ich helfe Dir, das Maximum aus Deinem Geld herauszuholen, um damit Dein Leben zu gestalten.
Und kümmere mich um den Detailkram, sodass Du Zeit für das hast, was Dir am Herzen liegt.
I guide young professionals to their first million - and beyond.
Sebastian Urban, Founder - here in a suit, otherwise mostly casual
I work for only one: you. I am not tied to a bank or insurance company.
It can be hard to figure out your finances in Germany: There's the pension system, social security and a confusing variety of service and product offerings. I tell you what you need to know: how to invest intelligently in your personal situation, what tax optimizations really pay off for you, which insurances you actually need - and which ones you don't.
You can reach me at any time from anywhere in the world. We always have an overview of your assets and all documents via app.
Life changes. And German bureaucracy will always set up new hurdles. Whenever you can use a helping hand, I am there for you. We handle your financial stuff.
I finally found the financial partner who I really feel wants the best for me and not from me!
Sebastian took a lot of time for us during the first conversation (and the following, too). Even at the most impossible times of the day. He puts a lot of emphasis on explaining the details of personal finance. We are not experts ourselves and that helps enormously.
Very competent advisor who cares about his clients.
All Google Reviews
Learn how to create and sustain wealth effortlessly using Nobel Prize-winning investment strategies with low-cost index funds.
Learn more in a free consultUnderstand your investment goals
Understand the fundamentals of investing: the difference between speculating and investing, the role of risk and how to apply it consciously, which investment strategies evidentially work (and which ones not so much)
Take your sustainability (ESG) preferences into consideration
Look at your current financial setup to ensure your investments are on solid footing
Develop a tailor-made investment strategy which predictably leads to your personal investment goals
How to keep your investments portable in case you leave Germany in the future
Setup your investment and saving plans - I will handle the paperwork
Answer all your questions about investing
Execute the strategy on your own (DIY) or become a member of Urban Wealth and get ongoing support and guidance
Find the right strategy to become financially independent for retirement - whether you will settle down in Germany or move on in the future.
Learn more in a free consultUnderstand your vision for retirement
Find out how much money you need make this vision a reality
Analyze your existing pension plans
Understand the pension system in Germany
Understand the fundamentals of investing: the difference between speculating and investing, the role of risk and how to apply it consciously, which investment strategies evidentially work (and which ones not so much)
Building on the aforementioned, develop a strategy that enables your future self the life it dreams of
Harmonize your saving for retirement with you life today
Assess options for tax benefits and tax optimization that actually pay off for you
How to keep your investments portable in case you leave Germany in the future
Setup your investment and saving plans - I will handle the paperwork
Answer all your questions about planning for retirement
Execute the strategy on your own (DIY) or become a member of Urban Wealth and get ongoing support and guidance
urPlan includes both urInvest (investment advice) and uRetire (retirement planning), plus an in-depth holistic analysis of your personal finances needs as an expat in Germany.
Learn more in a free consultUnderstand your life goals and personal values
Understand the key aspects of personal finance in Germany: health care, the pension system, other social security systems, relevant taxes and everything you should take care of yourself
Holistic analysis of your personal finances, starting from your income and expenses, to your current asset allocation, to your individual insurance needs
Develop an investment strategy that gets you to your goals, including everything described under urInvest
Care for your future self with a reliable retirement plan, including everything described under uRetire
Understand which insurances make sense for you - and which ones don't
Learn which tax saving strategies actually pay off for you
Setup your investment and saving plans - I will handle the paperwork
Fill any gaps in your financial education and answer all your money-related questions
Execute the strategy on your own (DIY) or become a member of Urban Wealth and get ongoing support and guidance
You have established your financial strategy through urInvest, uRetire or urPlan. Now I support you with its execution and continuous development. Like a personal family office, I take care of your finances, so you don't have to.
Free advice at any time on all topics related to personal finance - investment, real estate for own use or rental, insurance
Annual update of your financial strategy as part of our annual meeting - or anytime something big changes in your life
Ongoing monitoring of your investments and recommendations for strategy updates
Set up and manage savings plans for your kids
Annual rebalancing for more return with the same level of risk
Quarterly reports on the performance of your investments
Annual update of your retirement planning and adjustment of your investment plan if necessary
Ongoing monitoring of your retirement investments and recommendations for strategy updates
Reminder and advice at the end of the year on additional payments into pension plans to save taxes
Preparation of forms for changes in regular contributions, one-time payments and other topics
Encourage you to follow through your financial game plan
Always available for your questions, concerns and worries - answer within 24 hours
Discuss important financial decisions with a trusted partner, make good ones and prevent bad ones - especially in stormy times
Manage and consistently optimize all of your insurances to make sure you are perfectly covered if something goes wrong
Support for benefit claims from the time the claim is filed, to the time it is submitted to the insurer, to the time the benefit is paid out
Taking care of all the paperwork - checking all documents for you and file them neatly in a dedicated app
Getting to know each other, understanding your need and clarifying details about my service.
Understand where you are right now, where you want to go, and what's important to you along the way.
Map out the path from now to the future, set up your assets accordingly, answer all your questions.
Implement your plan yourself (DIY) or with ongoing support from me through Urban Wealth.
To make 'doing the right thing for the client' what it should be:
the norm.
- Why I'm here.
