Talking About Finances – Stress-Free

Why I am doing this

For many years, I’ve been deeply engaged with private retirement planning, stock and ETF strategies, and insurance products. Looking back, I realized that my biggest problem was often not the question “What is the best product for me?” but rather What is it that I don’t know yet?

• Wait, what? – I need exemption orders for all my investment products to make full use of my capital gains tax allowance?
• Wait, what? – Most actively managed funds do not beat their underlying index? And a large majority doesn’t even outperform chimpanzees?¹
• Wait, what? – Classic capital-building life insurance policies usually don’t generate worthwhile returns because, after costs, they often don’t even compensate for inflation?²
  
  

Knowing that you know nothing is often the first step in the right direction – but it also creates uncertainty. Many people find themselves asking:

• Where should I start?
• Which information actually matters?
• How can I tell good products from bad ones?
  
  

Money Talks is my personal passion project.
I want to help people better understand financial concepts – without sales, without hidden motives – simply through open conversation.

What you get with “Money Talks”

• An open, honest conversation about finances – completely free.
• Clarity on key fundamentals: stocks, ETFs, private retirement planning, insurance.
• Support in sorting your questions and recognizing important decision principles.
• Hints on how to identify good products.
• My reviews of texts on finance, economics, etc. (Coming soon: see My Reviews)

What you won’t get

• I do not recommend any specific financial products.
• I do not sign or mediate contracts and have no cooperation with any providers.

How does it work?

1. You send me a short message about what you’d like to talk about.
2. We find a time – online or in person (if possible).
3. We calmly discuss your questions and create clarity.
4. More clarity: Ideally, after the conversation you’ll know what you need to know. In the worst case, you’ll at least have a better sense of what you don’t know yet.

Contact

If you’re interested in an informal and non-binding conversation, feel free to send me a message:

➡️ Via email

I look forward to hearing from you!

⚖️ Legal Notice (Disclaimer)

I’m very happy to share my knowledge – however, it’s important to note the following legal points:

General Notice

• The content on this page and all conversations, hints, or explanations within “Money Talks” do not constitute financial advice, investment advice, insurance advice, or tax advice in a legal sense.
• I am not acting as a financial service provider, insurance broker, investment advisor, or any other regulated entity.

No product recommendations or contract services

• I do not recommend any specific financial, insurance, or investment products.
• No contracts are mediated, concluded, or prepared.
• No individual investment decisions are made.

Personal responsibility

• All decisions you make based on our conversations are made entirely at your own responsibility.
• I assume no liability for financial losses, misjudgments, or damages that may arise from using the information.

Informal character

• “Money Talks” is an informal, private offer for exchanging knowledge about financial topics.
• The sole purpose is to improve the understanding of principles, not to give advice on individual products or strategies.

By contacting me, you acknowledge these terms.