Our Offer

We have established a proven system that will provide you a complete overview of your finances. Based on your individual financial situation we will consult you and show you step by step, how to control and improve your personal financial situation to finally achieve your goals and desires.

Our Offer is a 'fee only' consulting service and you only pay us for the time we spend to provide you our consulting service. We do NOT try to sell you any financial products such as credit cards, loans, investment packages, etc. and we do NOT try to take control of your assets. We keep all your provided information absolutely confidential.

In the first step we will list all your assets (everything you own) and liabilities (everything you owe). With this information we are able to create a balance sheet to eventually calculate your real net worth.

Net worth = Assets – Liabilities

The result gives us a snapshot of your personal financial situation. Furthermore, we will find out more about what wealth means to you and what your financial goals and desires for the future are, including buying a home, college education for your children, retirement, etc. With your actual net worth and the consideration of your future goals and desires, we are able to create a financial strategy that will enable you to be in charge of your finances and achieve your dreams.

In a second step we start to analyze your monthly income and expenses. With this information we are able to establish a cash flow plan and a budget. The cash flow plan will show you money coming in and where you spend money, what you can afford and what you cannot. The budget we develop will show you exactly how and where you can allocate your money without overspending.

Accounting, creating cost sheets, budgeting, and financial planning are time consuming, overwhelming, and need a certain discipline. You may not have the time or experience to do them yourself. We will do the work for you and present the results in an organized, easy to understand spreadsheet. Furthermore we will establish strategies and plans for retirement, investment planning for college education and whatever else you need to realize your financial goals. We will also discuss future saving potential and income possibilities as well as your personal financial strategy.

But the most important requirement for us in order to help you is that you are ready to change your current situation, are open minded to our concept, and willing to make adjustments to improve your financial situation for the better.