Persian-speaking financial advisor in Germany: Germany's financial system, explained in your language
I'm Milad Gholampour, a financial consultant in Stuttgart. I explain insurance, pensions, investing and home buying in Germany so that you can decide for yourself, calmly and with a clear plan.
- First conversation free and non-binding
- In Persian, German or English
- In person in Stuttgart, online across Germany
Arriving
A new country, and every letter is in German
When you move to Germany as an adult, you bring a profession, plans and often a family. What you don't bring is the vocabulary: Selbstbeteiligung, Rentenlücke, SCHUFA.
None of it is impossible to learn. It just rarely gets explained in your language, so decisions get put off or made in a hurry.
Questions I hear often
- What exactly is deducted on my payslip, and why?
- What does my SCHUFA have to do with getting a loan?
- I only started paying into the German system later in life. What does that mean for my pension?
Financial security is no accident. It begins with trust and clarity.
The bridge
I got to know this system as a newcomer, too
I came to Germany myself a few years ago. I know how complicated and opaque the financial system can feel when you are starting out and German isn't your mother tongue.
So today I explain it in Persian, one term at a time.
- As equals
- You know your life best. I explain the system, and the decision stays with you.
- In your language
- Persian, German or English, whichever is easiest for you.
- With a clear plan
- At the end you know where you stand, what your options are and what the next step is.
Four areas of life
Where the questions usually start
Your home, your protection, your retirement and your savings each follow their own rules in Germany, and they affect one another.
- 01
Buying and financing a home
I explain own capital, purchase costs, SCHUFA and loan terms in plain language, and we plan the purchase together so you can compare offers and decide for yourself.
Read more - 02
Insurance and protection
Which cover your life really needs and which it doesn't, including personal liability and occupational disability.
Read more - 03
Retirement
If you joined the German system later in life, it helps to see your pension gap early. We make it visible and plan for it.
Read more - 04
Long-term investing
Investing regularly over many years, with a clear view of risk and time horizon, matched to your own goals.
Read more
How we work
From a first conversation to a plan you understand
No pressure and no rush. We take each step at your pace.
A free first conversation
By phone, online or in person in Stuttgart. You tell me about your situation and your questions, with no obligation.
Understanding your situation
Together we look at your income, your existing contracts, your family plans and your goals.
Options, clearly explained
I explain each option with its advantages and drawbacks, until you can weigh them up yourself.
Support over the years
Life changes, and your financial plan should change with it. I stay at your side.
Learn first
Short reads on the questions that come up most
Plain-language articles on money in Germany, written from real questions in the Persian-speaking community.
Transparency
Who you are talking to
I'm a self-employed sales partner of Horbach Wirtschaftsberatung GmbH, and I say so in the first conversation. My registration is public.
- Insurance agent (Versicherungsvertreter)
- Permit under § 34d (1) GewO
- Financial investment intermediary (Finanzanlagenvermittler)
- Under § 34f (1) sentence 1 no. 1 GewO
- Supervisory authority
- IHK Region Stuttgart
Free and non-binding
Let's talk about your situation
The first conversation is free and non-binding. Call or email me. We can meet in person in Stuttgart or talk online, wherever you live in Germany.
In Persian, German or English