Financial Planning for Expat Women in Berlin & across Germany
English-speaking, independent & fee-based financial advice for international women who want to make smart decisions about investing, retirement and building wealth while living in Germany.
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Living in Germany, earning well. Still unsure how to organise your finances & build wealth for your future?
You have savings, and maybe you've already started investing. But you don't feel like you have a plan for your retirement and are wondering whether you need a German pension plan or something else.
- “I earn well, but I have no idea how much I'll really need later.”
- “I've been recommended a German pension product – but how do I know whether it actually makes sense for me?”
- “I don't know whether I'll stay in Germany forever. How should that affect the decisions I make today?”
- “I don't want to become a financial expert. I want someone independent to look at the whole picture.”
If some of these questions sound familiar, you're not alone. This is exactly where financial planning starts.
Good financial planning doesn't start with an insurance product or ETF.
It starts with you.
Your income. Your assets. Your goals. Your retirement. Your plans for the future.
We look at the whole picture and develop a financial strategy that helps you understand: where you are today, where you want to go – and what needs to happen in between.
Your personal financial strategy
We bring your income, assets, savings, existing investments and long-term goals together into one coherent financial plan.
Start investing & building wealth
We help you determine how much cash you need, how much you can invest and which investment strategy fits your goals, time horizon and risk profile.
Understand Germany's pension system
We analyse your retirement situation, identify your pension gap and develop a strategy to save up enough money for your retirement.
Because women's financial lives aren't always straightforward.
Women often have different financial biographies.
Career decisions, part-time work, family responsibilities, relationships and longer life expectancy can all affect how much wealth we build and how financially independent we are later in life.
And for international women who are living abroad, there's another layer: you are making important financial decisions in a system you may not have grown up with.
Sparheldin combines both perspectives.
Financial planning in Germany – designed specifically for expat women.
Advice should be about your financial life – not about selling you a product.
Sparheldin provides independent & fee-based financial advice. You pay us for our expertise, analysis and financial planning.
This allows us to start with a simple question:
What actually makes sense for you?
We look at your existing setup, your goals and your options before developing a strategy for your financial future.
From financial questions to a clear plan.
- 01
Get to know each other
In a free initial consultation, we talk about your current financial situation, your goals and the questions you want to solve.
- 02
Analyse your finances
We take a detailed look at your financial situation, including your existing investments and retirement provisions.
- 03
Build your financial plan
We develop your individual strategy based on your goals, financial situation, time horizon and priorities.
- 04
Put the plan into action
Once your strategy is clear, we support you in implementing the individual decisions.
No generic financial plan. No one-size-fits-all solution.
Your strategy is based on your numbers, your goals and your life.
Hi, I'm Saskia.
I'm the founder of Sparheldin and a financial advisor specialising in financial planning for women.
My mission is to make money a lifestyle topic for women – so that you can decide independently, at any time. After leaving my corporate career and becoming self-employed, I built exactly that kind of independent life for myself.
And that's what I want for other women, too, because I believe they should be able to make important financial decisions with clarity – without sales pressure and without having to become financial experts themselves.
I know first-hand what it means to build a life abroad. Having lived and worked in Cape Town and Portugal, I've navigated a new country's rules, paperwork and financial system myself.
Today, I help women build a financial strategy around their life: from investing and pension planning to building long-term wealth. So my goal is to give you the expertise and structure you need to make informed decisions for yourself.
Based in Berlin. Working with international & expat women across Germany.
Our financial planning is available online in English.
Whether you live in Berlin, Hamburg, Munich, Frankfurt, Cologne or elsewhere in Germany, you can work with Sparheldin from wherever you are.
Frequently asked questions
Do I need to speak German?
No. Your consultations with Sparheldin can be conducted in English. Some financial documents and contracts may naturally be in German, but we can take these into account as part of your financial planning.
Is Sparheldin independent?
Sparheldin provides independent & fee-based financial advice. You pay us directly for our expertise, analysis and financial planning.
Do you only work with women?
Yes. Sparheldin specialises in financial planning for women. Our English-language service is designed specifically for female expats and international women living in Germany.
Can you help me with ETFs?
Yes. ETFs can be one component of a long-term investment strategy. We don't start by choosing a product, though. We first look at your goals, financial situation, time horizon, risk profile and existing assets.
Can you help me with retirement planning in Germany?
Yes. Retirement planning is one of Sparheldin's core advisory areas. We analyse your current retirement situation and develop an individual strategy for your future.
What if I might leave Germany again?
Your future plans are an important part of financial planning. If you may move abroad in the future, this should be considered when evaluating long-term financial decisions. Cross-border legal or tax questions may require additional advice from appropriately qualified professionals.
How much does financial planning cost?
Sparheldin works on a transparent fee basis. The exact fee depends on your individual situation and the scope of advice required. After the initial consultation, you'll know which service fits your situation and what it costs before deciding whether you'd like to work with us.
How do I get started?
Book a free initial call. We'll discuss your situation, your financial questions and whether Sparheldin is the right fit for you.
Ready to bring clarity to your finances?
You don't need to understand every detail of the German financial system.
But you should understand the decisions you're making with your money. Let's talk about where you are today and what you want your money to make possible in the future.