Over 20 years of experience
Arrive.
Protect.
Build.
Finance, insurance and real estate for discerning clients, skilled professionals and everyone new to Germany. For over 20 years we have represented our clients’ interests. In person, at our office in Mannheim.
New to Germany
I'm coming to Germany.
Travel and health insurance and your blocked account: everything you need for your visa and your first weeks. Registration takes a few minutes and is in English.
- Travel insurance
- Health insurance
- Blocked account
Living & planning in Germany
I live and work here.
Protection, retirement planning, wealth building and real estate. We turn them into a plan that fits your life, in person in Mannheim.
- Retirement
- Protection
- Investments
- Real estate
Already in Germany and looking for health insurance? “New to Germany” is still the right place. All registrations work from here, too.
Three stages of life. One point of contact.
Every stage of life brings new challenges. The decisions we make today shape our future – especially when it comes to money. If you wish, we will help you reach your personal goals, with experience, foresight and a real understanding of your individual situation.
Arrive
Visa, health insurance and blocked account. We explain what you need, you apply online, and confirmation usually arrives the same day.
- Travel insurance
- Health insurance
- Blocked account
- Liability
Protect
Disability, liability, contents and legal protection. As a broker we represent your interests, not those of an insurer, and cover what really matters to you.
- Disability
- Term life insurance
- Liability
- Contents & buildings
- Legal protection & motor
- and more
Build
Retirement, funds and real estate. Wealth that grows according to a plan, with every step laid out for you.
- Pensions & company pensions
- Funds & ETF savings plans
- Portfolio & wealth strategy
- Real estate: rent, buy, invest
Our approach
A plan for your whole life.
It all starts with your earning power, your most valuable asset. Day by day you exchange time for income and turn it into wealth: first savings, then real assets and a home of your own, finally wealth that carries you through retirement.
← Swipe to see the full chart →
avg. 30
Your income from decades of work is, after graduation, by far your greatest asset. It is not in your account yet, though. Work turns it into wealth, step by step. Most people finish their studies with a small cushion. Everyone has a little. This is where the curve begins.
Liquidity and an emergency fund, so a broken washing machine does not upset the whole plan.
What is left flows into real assets: securities, property, a home of your own.
By 67, the statutory retirement age in Germany, human capital has turned into wealth, ideally of equal value. From here on, you live on what you have built.
We plan up to age 95, because more and more people live that long. Outliving your savings is known as longevity risk. What remains passes to the next generation, in good order and tax-efficiently.
Schematic illustration of a life-stage model.
The long and the short of it? Human capital becomes wealth, as long as nothing breaks the plan along the way. That is why we protect first and build second.
Human capital. Your income from decades of work is, after graduation, by far your greatest asset. It is not in your account yet, though. Work turns it into wealth, step by step.
Starting capital. Most people finish their studies with a small cushion. Everyone has a little. This is where the curve begins.
Micro. Liquidity and an emergency fund, so a broken washing machine does not upset the whole plan.
Meso. What is left flows into real assets: securities, property, a home of your own.
Macro. By 67, the statutory retirement age in Germany, human capital has turned into wealth, ideally of equal value. From here on, you live on what you have built.
Legacy. We plan up to age 95, because more and more people live that long. Outliving your savings is known as longevity risk. What remains passes to the next generation, in good order and tax-efficiently.
Illness & long-term care. Long-term care can consume wealth built over decades within a few years.
Disability. If your earning power is lost, the foundation is gone, often before any wealth could be built.
Liability. A single claim can wipe out all your savings at once. It often happens at a young age.
Accident. From one day to the next your ability to work is limited, often for good.
Death. Human capital is gone in an instant, and with it the family’s plans.
Property. As wealth grows, so does what needs protecting: contents, car, later your own house.
Existential risks we protect you against, all along the way
What happens if the risk strikes at 45?
Tap a risk above.
Schematic, without protection against the risk.
International
Think global. Act local.
Since 2019 we have supported people from 24 countries on their way to Germany, from Mexico to Indonesia. We work with local partners in India and Indonesia.
from 24 countries
Coming to Germany yourself, or bringing skilled professionals here? This is where to start.
For Businesses
Markets. People. Partnerships.
What we do for people on their way to Germany, we also offer to businesses. We know the markets in India and Southeast Asia and have a network on the ground.
Market Development
Market Development & Partnerships in India and Southeast Asia
Business development, partner identification and market access support, with a focus on education, international mobility and insurance-related services.
Talent Onboarding
Helping international talent arrive
For employers recruiting abroad: health insurance, liability and pensions for new employees, all sorted before the first working day.
Business Insurance
International companies in Germany
Insurance solutions for companies from abroad establishing or operating a business in Germany, with particular experience in India and Southeast Asia. This ranges from corporate liability and property insurance to employee benefits, with specialist support where required.
or by video, in English and German
About us
Over 20 years at the side of discerning clients.
- 2003Junior Financial ConsultantStart in financial and insurance advice
- 2005Senior Financial Consultant
- 2011Team LeaderUniversity region from Worms across the Rhine-Neckar metropolitan region to Freiburg
- 2013Founder of AF-MA, Akademikerfinanz MannheimManaging Director · financial advisor and broker
- 2019International focus and business developmentInsurance for incoming students, onboarding of international professionals and partner networks across Asia, including Vietnam and Indonesia
- 2026Business Development IndiaMarket development and partnerships for German providers in education and insurance
Also
Guest lecturing at universities · over 20 years of application and assessment-centre training for students · collaboration with student unions · voluntary board work in the student sector · cooperation with international offices · participant in the “Horizonte” programme 2021 (a joint project of the Goethe-Institut and the German Federal Foreign Office) · certificate of recognition from DAAD Jakarta · contacts with German Chambers of Commerce Abroad, including membership of EKONID (Indonesia)
Strategy first. Then the product.
Tell us briefly what it is about. We will get back to you personally within two working days with suggested dates.
Book an appointmentAkademikerfinanz Mannheim · Reza Abadi · Kolpingstr. 4, 68165 Mannheim, Germany · Phone +49 (0) 621 9769 2890 · kontakt@af-ma.de
WhatsApp
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