I help expats in Germany to:

♦️ Build starter investment concepts that actually make sense for non-residents.
♦️ Implement tax-optimized strategies to keep more of what you earn.
♦️ Navigate the Private vs. Public health insurance debate based on long-term data.
♦️ Find out what insurance (private liability, legal, occupational disability) they actually need in their situation
♦️ Create holistic financial plans tailored to life in Germany (and beyond).
♦️ Start building wealth for your family and especially children so that they later have capital to use (university fees, their first car, studying abroad) when they grow up.
♦️ Minimize losses and maximize returns by stripping away “confusing” jargon and replacing it with simple talk.

Building wealth in a new country comes with uncertainty: Unfamiliar tax rules, insurance systems, pension structures, and volatile markets. I work with expats who want:

✅ Clear investment decisions.
✅ Long-term portfolio stability.
✅ Protection without over-insurance.
✅ Advice they can actually understand.

All in English or German, without jargon or sales pressure.

German insurance and pension systems are complex, especially if you’re new to the country or coming from the U.S. We work with people who want:

✅ Clear advice in English.
✅ Protection that actually fits their life.
✅ Transparency instead of sales pressure.
✅ Confidence they’re not paying for the wrong things.

Our role is simple: Make sure you’re covered where it matters, and nowhere else.

Managing finances in Germany can feel fragmented: Insurance here, investments there, tax obligations somewhere else. I take a holistic view of your financial situation, connecting all the different parts into one clear, coherent strategy. Created for long-term stability and growth. My focus is simple:

✅ Transparency.
✅ Independence.
✅ Decisions that make sense today and in the future.

While we hope you never face a serious situation, familiarity with the local emergency system is perhaps the most crucial piece of information any resident or visitor can possess. In a genuine crisis, the ability to rapidly connect with the right help —whether it’s police, fire, or medical assistance— can make all the difference, providing a vital lifeline in the moments that count most.

Tired of German financial complexity? I help expats like you build wealth, protect families, and achieve financial freedom through personalized strategies that actually work.

Navigating the German health insurance system? You don’t have to go it alone. When it comes to choosing between public and private coverage, the process can be overwhelming. That’s where KLforExpats comes in:

💠 A small, highly experienced team: Led by co-founder Mirja Lundehn, with over 25 years in the insurance industry.
💠 English-speaking, personalized service: Transparent and independent. You speak directly with the expert herself, not a bot.
💠 Truly free for you: You pay nothing. KLforExpats is compensated by providers, ensuring unbiased guidance.
💠 Quickity tool included: A smart comparison engine that delivers curated private insurance plans in minutes. No sign-up required.

At DKV —a company of the ERGO group—, we provide expert guidance and personal support for individuals and businesses. If you’re looking to protect your health, I’m here to help you check your options with clarity and confidence.