Frequently Asked Questions

Look at four things. Does the advisor say openly who they work for and how they are paid? Are they in the official intermediary register? Do they explain before they suggest? And do they give you time to decide? You're welcome to ask me all of it. Be wary of anyone who pushes you to sign quickly or won't say how they are paid.

I'm a self-employed sales partner of Horbach Wirtschaftsberatung GmbH and work as a senior consultant (Seniorberater). I'm registered as an insurance agent (Versicherungsvertreter, § 34d (1) GewO) and financial investment intermediary (§ 34f GewO), and I hold a permit under § 34c GewO. The details are in the Erstinformation. I say this openly because you should know who you're talking to before you share anything about your finances.

In the official intermediary register (vermittlerregister.info). My registration number for insurance is D-ET85-0CVB7-74 and for investments D-F-175-3HEI-82. My supervisory authority is the IHK Region Stuttgart. The register is public, so you can look me up before we ever speak.

No. You're under no obligation. I explain the options and you decide in your own time. If you'd like to think it over, talk to your family or compare other offers, that's normal and I encourage it.

You tell me where you stand and what is on your mind. I tell you which topics come first and where I can help. You don't need to prepare anything. If you have them, bring a list of your current contracts and insurance, a payslip and your questions. Afterwards you know what we would look at first, and you decide whether you want a second conversation.

Just call or send me an email. There's no form. You'll find the numbers and the address on the contact page. I answer in Persian, German or English, in whichever language you write or speak to me.

No. The first conversation is free and non-binding. We get to know each other and see how I can help. There's no catch and nothing to sign. It's a conversation, not a sales call.

For arranging insurance I receive a commission that is included in the insurance premium. That means no separate advice fee for you. Before you sign anything, I explain the remuneration on request. The details are in the Erstinformation, and if anything there is unclear, I will explain it in plain language.

Persian, German and English, whichever is easiest for you. You can switch languages mid-conversation if a term is easier to say in German or in Persian.

Both. In and around Stuttgart we can meet in person; from anywhere else in Germany we talk online. For an online conversation you only need a phone or a computer with an internet connection.

Yes. In the consultation I explain the key German terms in your language so you recognise them in your contracts. Bring the letter or contract you have questions about.

Insurance, retirement and long-term investing, and how they fit together in one overall plan. For buying a home, I explain the process and plan it with you, so you can compare offers and decide for yourself. On this website I stick to principles and trade-offs; your own figures are for a personal conversation.

With the basics: health insurance, personal liability insurance (Privathaftpflicht) and your payslip. In our first conversation we work out which topic comes first for you. Health insurance is compulsory in Germany, so it's usually the first thing to check.

Yes. Career decisions such as going self-employed, or jobs with particular insurance needs, affect your whole financial plan, and we take them into account.

Not for everything. It helps when a bigger decision is coming, such as a new job, a family or buying a home, or when you can't see your overall situation any more. A first conversation can show which topics matter now and which can wait.

A tax advisor (Steuerberater) deals with tax returns and tax law. I don't give tax advice. My field is insurance, retirement, investing and planning a home purchase, and for tax questions I'd point you to a Steuerberater.