{"id":5909,"date":"2019-09-09T19:32:18","date_gmt":"2019-09-09T19:32:18","guid":{"rendered":"http:\/\/themenectar.com\/demo\/salient-corporate-3\/?page_id=5"},"modified":"2025-08-28T09:38:25","modified_gmt":"2025-08-28T07:38:25","slug":"corporate-3-landing","status":"publish","type":"page","link":"https:\/\/latour-finances.de\/en\/","title":{"rendered":"Home"},"content":{"rendered":"<div id=\"fws_69f298fc4aa9d\"  data-column-margin=\"default\" data-midnight=\"light\" data-top-percent=\"18%\" data-bottom-percent=\"10%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-bottom parallax_section right_padding_7pct left_padding_7pct\"  style=\"padding-top: calc(100vw * 0.18); padding-bottom: calc(100vw * 0.10); \"><div class=\"row-bg-wrap\" data-bg-animation=\"fade-in\" data-bg-animation-delay=\"\" data-bg-overlay=\"true\"><div class=\"inner-wrap row-bg-layer using-image\" style=\"background-color: #d1d1ca;\" ><div class=\"row-bg viewport-desktop using-image using-bg-color\" data-parallax-speed=\"fast\" style=\"background-image: url(https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/daniel-sessler-euJvKWK3y7s-unsplash-copie-2-scaled.jpg); background-position: center center; background-repeat: no-repeat; background-color: #d1d1ca; \"><\/div><\/div><div class=\"row-bg-overlay row-bg-layer\" style=\"background: #1d4c5a; background: linear-gradient(90deg,#1d4c5a 0%,rgba(34,178,164,0.01) 100%);  opacity: 0.3; \"><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f298fc4b30b\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"default\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><div class=\"heading-line\" > <div><h1>Financial advisory firm in Germany<br \/> <\/div> <\/div><div class=\"heading-line\" > <div>Expat Finances<\/h1> <\/div> <\/div><\/div>\n<div class=\"wpb_text_column wpb_content_element\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Expat Finances \u2013 Your consulting firm specializing in taxation and financial management for expats in Germany<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f298fc4bb95\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in\" data-delay=\"800\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"accent-color\" data-using-bg=\"true\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"left\" data-text-color=\"custom\" style=\"margin-top: 30px; \"><h4 style=\"color: #ffffff;\"><span class=\"link_wrap\" style=\"padding-top: 20px; padding-right: 40px; padding-bottom: 20px; padding-left: 40px;\"><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\"><span class=\"text\">Contact us<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #ffffff;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"about\"  data-column-margin=\"90px\" data-midnight=\"dark\" data-top-percent=\"5%\" data-bottom-percent=\"4%\"  class=\"wpb_row vc_row-fluid vc_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: calc(100vw * 0.05); padding-bottom: calc(100vw * 0.04); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div style=\"\" class=\"vc_col-sm-6 wpb_column column_container vc_column_container col padding-5-percent inherit_tablet inherit_phone\" data-using-bg=\"true\" data-border-radius=\"10px\" data-bg-cover=\"true\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><div class=\"column-image-bg-wrap column-bg-layer viewport-desktop\" data-bg-pos=\"center center\" data-bg-animation=\"zoom-out-reveal\" data-bg-overlay=\"false\"><div class=\"inner-wrap\"><div class=\"column-image-bg\" style=\" background-image: url('https:\/\/latour-finances.de\/wp-content\/uploads\/2024\/11\/4826.jpg'); \"><\/div><\/div><\/div>\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 300px;\" class=\"divider\"><\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col padding-2-percent inherit_tablet inherit_phone\"  data-padding-pos=\"top-bottom\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h2 >Financial advisory firm for expats in Germany : Optimize your finances and taxes!<\/h2><\/div><div id=\"fws_69f298fc4d370\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<div class=\"wpb_text_column wpb_content_element\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p class=\"Standard\">Our financial consulting firm, Expat Finances, relies on a network of experts in Germany \u2014 including lawyers, tax advisors, brokers, accountants, and relocation specialists.<\/p>\n<p class=\"Standard\">Our mission? To help you overcome the language barrier and optimize your finances while taking full advantage of Germany\u2019s tax and financial benefits.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"default\" data-using-bg=\"false\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"left\" data-text-color=\"custom\" ><h4 style=\"color: #22b2a4;\"><span class=\"link_wrap\" ><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\"><span class=\"text\">Learn more<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #22b2a4;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"services\"  data-column-margin=\"20px\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-top\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #1d4c5a; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f298fc4e18c\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div style=\" color: #ffffff;\" class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\" data-cfc=\"true\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading  font_size_40px\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"default\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"true\" style=\"font-size: 40px; line-height: 43.2px;\"><div class=\"heading-line\" > <div><h2 class=\"Standard\">Our Services at Expat Finances<\/h2> <\/div> <\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"default\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><div class=\"heading-line\" > <div><p class=\"Standard\">Expat Finances, your financial advisory firm, supports you with various aspects of everyday life:<\/p> <\/div> <\/div><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f298fc4e847\" data-midnight=\"\" data-column-margin=\"20px\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-1\/5 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-fancy-box using-img\" style=\"min-height: 500px\" data-style=\"hover_desc\" data-border-radius=\"default\" data-animation=\"\" data-bg-animation=\"long_zoom\" data-border=\"\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/roman-kraft-g_gwdpsCVAY-unsplash-scaled.jpg\"><\/div><div class=\"inner\"><div class=\"heading-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M3.333 29.001c-0.368 0-0.667-0.3-0.667-0.667v-16c0-0.367 0.299-0.667 0.667-0.667s0.667 0.3 0.667 0.667v16c0 0.367-0.299 0.667-0.667 0.667zM28.667 29.001c-0.367 0-0.667-0.3-0.667-0.667v-16c0-0.367 0.3-0.667 0.667-0.667 0.368 0 0.667 0.3 0.667 0.667v16c0 0.367-0.299 0.667-0.667 0.667zM25.333 32.335h-18.667c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h18.667c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667zM6.667 32.335c-2.205 0-4-1.795-4-4 0-0.367 0.299-0.667 0.667-0.667s0.667 0.3 0.667 0.667c0 1.472 1.196 2.667 2.667 2.667 0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667zM25.333 32.335c-0.367 0-0.667-0.3-0.667-0.667s0.3-0.667 0.667-0.667c1.472 0 2.667-1.195 2.667-2.667 0-0.367 0.3-0.667 0.667-0.667 0.368 0 0.667 0.3 0.667 0.667 0 2.205-1.795 4-4 4zM12.667 21.668h-5.333c-0.368 0-0.667-0.3-0.667-0.667v-5.333c0-0.367 0.299-0.667 0.667-0.667h5.333c0.368 0 0.667 0.3 0.667 0.667v5.333c0 0.367-0.299 0.667-0.667 0.667zM8 20.335h4v-4h-4v4zM24.667 21.668h-5.333c-0.367 0-0.667-0.3-0.667-0.667v-5.333c0-0.367 0.3-0.667 0.667-0.667h5.333c0.368 0 0.667 0.3 0.667 0.667v5.333c0 0.367-0.299 0.667-0.667 0.667zM20 20.335h4v-4h-4v4zM19.333 32.335h-6.667c-0.368 0-0.667-0.3-0.667-0.667v-8c0-0.367 0.299-0.667 0.667-0.667h6.667c0.368 0 0.667 0.3 0.667 0.667v8c0 0.367-0.299 0.667-0.667 0.667zM13.333 31.001h5.333v-6.667h-5.333v6.667zM30.667 12.335h-29.333c-0.284 0-0.537-0.181-0.631-0.451s-0.004-0.568 0.221-0.743l14.556-11.333c0.239-0.191 0.573-0.192 0.815-0.003l14.777 11.333c0.227 0.173 0.317 0.472 0.225 0.744-0.089 0.269-0.344 0.452-0.631 0.452zM3.276 11.001h25.427l-12.809-9.824-12.617 9.824z\"><\/path>\n        <\/svg><\/span><\/span>\n<h2>Real estate<\/h2>\n<\/div><div class=\"hover-content\">Whether you're looking to buy your primary residence or invest in a rental project, Expat Finances can guide you every step of the way. We can identify the best ways to reduce your tax bill and diversify your assets, in particular through SCPIs (real estate investment trusts).<\/div><\/div>  <a  href=\"https:\/\/latour-finances.de\/en\/real-estate-investment-expatriates\/\" class=\"box-link\"><\/a> <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-1\/5 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"50\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-fancy-box using-img\" style=\"min-height: 500px\" data-style=\"hover_desc\" data-border-radius=\"default\" data-animation=\"\" data-bg-animation=\"long_zoom\" data-border=\"\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/2149065330.jpg\"><\/div><div class=\"inner\"><div class=\"heading-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M22.675 7.336c-3.219 0-8.667-0.561-8.667-2.667s5.448-2.667 8.667-2.667c3.217 0 8.667 0.563 8.667 2.667s-5.449 2.667-8.667 2.667zM22.675 3.336c-4.451 0-7.105 0.887-7.343 1.383 0.237 0.399 2.892 1.284 7.343 1.284 4.449 0 7.104-0.885 7.341-1.38-0.237-0.4-2.892-1.287-7.341-1.287zM13.341 24.669v-1.333c4.391 0 7.032-0.861 7.329-1.361v0c-0.043 0-0.243-0.211-0.927-0.465l0.463-1.251c1.195 0.443 1.803 1.028 1.803 1.745-0.001 2.104-5.451 2.665-8.668 2.665zM13.324 27.331c-3.219 0-8.667-0.56-8.667-2.66v-1.359h1.333v1.359c0.228 0.445 2.884 1.327 7.333 1.327 4.451 0 7.105-0.889 7.341-1.387l-0.008-2.632h1.333v2.677c0 2.112-5.448 2.675-8.667 2.675zM12.008 22.003c-3.219 0-8.667-0.561-8.667-2.667h1.333c0.228 0.448 2.883 1.333 7.333 1.333 4.349 0 6.984-0.844 7.321-1.345-0.033-0.011-0.124-0.099-0.332-0.216l0.657-1.161c0.676 0.384 1.020 0.853 1.020 1.389 0 2.105-5.449 2.667-8.667 2.667zM11.991 24.664c-3.219 0-8.667-0.56-8.667-2.66v-2.692h1.333v2.692c0.228 0.445 2.884 1.327 7.333 1.327 4.451 0 7.105-0.889 7.341-1.387l-0.008-2.632h1.333v2.677c0 2.112-5.448 2.675-8.667 2.675zM9.341 18.003c-3.219 0-8.667-0.561-8.667-2.667s5.448-2.667 8.667-2.667c3.217 0 8.667 0.563 8.667 2.667s-5.449 2.667-8.667 2.667zM9.341 14.003c-4.451 0-7.105 0.887-7.343 1.383 0.237 0.399 2.892 1.284 7.343 1.284 4.449 0 7.104-0.885 7.341-1.38-0.237-0.4-2.892-1.287-7.341-1.287zM9.324 20.664c-3.219 0-8.667-0.56-8.667-2.66v-2.692h1.333v2.692c0.228 0.445 2.884 1.327 7.333 1.327 4.451 0 7.105-0.889 7.341-1.387l-0.008-2.632h1.333v2.677c0 2.112-5.448 2.675-8.667 2.675zM11.812 27.305c-3.733 0-8.247-0.617-9.421-1.787-0.316-0.315-0.383-0.635-0.383-0.848 0-0.884 1.081-1.505 3.211-1.851l0.212 1.316c-1.185 0.192-1.777 0.445-2.015 0.597 0.62 0.424 4.064 1.251 8.585 1.235l0.009 1.333c-0.067 0.004-0.132 0.004-0.199 0.004zM10.657 29.997c-3.219 0-8.667-0.56-8.667-2.66v-2.692h1.333v2.692c0.228 0.445 2.884 1.327 7.333 1.327 4.451 0 7.105-0.889 7.341-1.387l-0.008-1.299h1.333v1.344c0 2.112-5.448 2.675-8.667 2.675zM22.675 11.336c-3.219 0-8.667-0.561-8.667-2.667 0-0.367 0.299-0.667 0.667-0.667 0.367 0 0.667 0.3 0.667 0.667 0.228 0.448 2.883 1.333 7.333 1.333 4.449 0 7.104-0.885 7.341-1.38 0-0.368 0.295-0.643 0.663-0.643 0.367 0 0.661 0.324 0.661 0.691 0.001 2.104-5.448 2.665-8.665 2.665zM22.675 15.336c-3.219 0-8.667-0.561-8.667-2.667 0-0.367 0.299-0.667 0.667-0.667 0.367 0 0.667 0.3 0.667 0.667 0.228 0.448 2.883 1.333 7.333 1.333 4.449 0 7.104-0.885 7.341-1.38 0-0.368 0.295-0.643 0.663-0.643 0.367 0 0.661 0.324 0.661 0.691 0.001 2.104-5.448 2.665-8.665 2.665zM22.675 19.336c-1.472 0-4.328-0.188-5.556-0.364-0.364-0.052-0.619-0.391-0.565-0.755 0.052-0.361 0.391-0.615 0.755-0.564 1.16 0.167 3.968 0.351 5.365 0.351 4.449 0 7.104-0.885 7.341-1.38 0-0.368 0.295-0.643 0.663-0.643 0.367 0 0.661 0.324 0.661 0.692 0.003 2.101-5.447 2.663-8.664 2.663zM22.675 23.336c-0.464 0-0.917-0.009-1.361-0.028-0.368-0.016-0.655-0.325-0.639-0.693 0.015-0.367 0.305-0.657 0.693-0.64 0.425 0.019 0.861 0.028 1.307 0.028 4.449 0 7.104-0.885 7.341-1.38 0-0.367 0.295-0.643 0.663-0.643 0.367 0 0.663 0.325 0.663 0.692 0 2.103-5.449 2.664-8.667 2.664zM13.991 4.645h1.333v9.333h-1.333v-9.333zM22.657 25.997c-0.459 0-0.908-0.009-1.345-0.028-0.368-0.016-0.653-0.328-0.637-0.695 0.016-0.365 0.339-0.647 0.695-0.637 0.419 0.017 0.849 0.027 1.288 0.027 4.449 0 7.105-0.881 7.341-1.375l-0.008-18.644c0-0.368 0.3-0.667 0.667-0.667 0.368 0 0.667 0.299 0.667 0.667v18.692c0 2.1-5.448 2.66-8.667 2.66z\"><\/path>\n        <\/svg><\/span><\/span>\n<h2>Finance\/ taxation<\/h2>\n<\/div><div class=\"hover-content\">Our experts will work out appropriate tax optimization strategies to reduce your tax bill. We can also offer you high-performance financial investments (ETFs, equities, investment funds, etc.).<\/div><\/div>  <a  href=\"https:\/\/latour-finances.de\/en\/taxation-finance-tax-exemption-germany\/\" class=\"box-link\"><\/a> <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-1\/5 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"100\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-fancy-box using-img\" style=\"min-height: 500px\" data-style=\"hover_desc\" data-border-radius=\"default\" data-animation=\"\" data-bg-animation=\"long_zoom\" data-border=\"\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/17818.jpg\"><\/div><div class=\"inner\"><div class=\"heading-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M16 29.615c-0.088 0-0.177-0.019-0.261-0.053-9.976-4.243-15.592-12.756-13.352-20.247 1.26-4.209 4.597-6.929 8.504-6.929 1.804 0 3.56 0.591 5.109 1.721 1.549-1.131 3.305-1.721 5.109-1.721 3.907 0 7.245 2.72 8.504 6.929 2.241 7.487-3.376 16.003-13.352 20.247-0.084 0.035-0.173 0.053-0.261 0.053zM10.891 3.719c-3.304 0-6.14 2.348-7.227 5.98-1.989 6.651 3.305 14.575 12.336 18.523 9.031-3.948 14.325-11.869 12.336-18.523-1.085-3.636-3.921-5.98-7.227-5.98-1.66 0-3.281 0.604-4.689 1.748-0.245 0.199-0.595 0.199-0.84 0-1.408-1.144-3.029-1.748-4.689-1.748z\"><\/path>\n        <\/svg><\/span><\/span>\n<h2>Health<\/h2>\n<\/div><div class=\"hover-content\">We can help you register with the German health insurance scheme. In addition, we offer health insurance plans to cover unforeseen events such as hospitalization or sick leave.<\/div><\/div>  <a  href=\"https:\/\/latour-finances.de\/en\/health-mutual-carte-vitale-french-expatriates\/\" class=\"box-link\"><\/a> <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-1\/5 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"150\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-fancy-box using-img\" style=\"min-height: 500px\" data-style=\"hover_desc\" data-border-radius=\"default\" data-animation=\"\" data-bg-animation=\"long_zoom\" data-border=\"\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/20502.jpg\"><\/div><div class=\"inner\"><div class=\"heading-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 39 32\">\n        <path d=\"M38.667 30.68c-0.367 0-0.667-0.296-0.667-0.66 0-3.22-5.324-5.94-8.667-5.94-0.287 0-0.541-0.183-0.633-0.451l-1.333-3.96c-0.115-0.347 0.073-0.72 0.42-0.836 0.356-0.119 0.727 0.073 0.845 0.415l1.187 3.525c3.925 0.241 9.515 3.272 9.515 7.244 0 0.367-0.3 0.663-0.667 0.663zM25.333 20.12c-0.367 0-0.667-0.297-0.667-0.66s0.3-0.66 0.667-0.66c6.497 0 9.084-3.205 9.901-4.604-0.596-1.005-2.243-3.853-2.549-5.143-0.529-2.228-2.312-7.412-7.352-7.412-0.367 0-0.667-0.296-0.667-0.66s0.3-0.66 0.667-0.66c4.22 0 7.372 3.072 8.648 8.428 0.263 1.096 1.959 4.048 2.591 5.093 0.115 0.192 0.125 0.433 0.024 0.632-0.669 1.325-3.457 5.645-11.263 5.645zM14.667 22.76c-3.917 0-7.001-4.151-7.308-7.964-1.392-0.203-2.025-1.073-2.025-1.936v-2.64c0-0.825 0.807-1.42 1.333-1.723v-2.237c0-2.369 0.788-4.563 6.447-4.619 1.908-1.352 3.744-1.641 4.964-1.641 2.361 0 4.389 1.060 5.167 2.699 0.577 1.223 0.369 2.559-0.58 3.791v2.008c0.528 0.301 1.333 0.896 1.333 1.723v2.64c0 0.86-0.635 1.733-2.028 1.936-0.301 3.813-3.385 7.964-7.303 7.964zM18.079 1.32c-1.056 0-2.667 0.261-4.345 1.511-0.115 0.084-0.255 0.132-0.4 0.132-5.333 0-5.333 1.829-5.333 3.3v2.64c0 0.259-0.155 0.495-0.393 0.603-0.475 0.212-0.915 0.579-0.941 0.721v2.636c0 0.487 0.719 0.66 1.333 0.66 0.368 0 0.667 0.297 0.667 0.66 0 3.289 2.676 7.26 6 7.26s6-3.972 6-7.26c0-0.363 0.299-0.66 0.667-0.66 0.615 0 1.333-0.172 1.333-0.66v-2.64c-0.028-0.156-0.512-0.528-0.939-0.719-0.24-0.107-0.395-0.343-0.395-0.603v-2.64c0-0.155 0.055-0.303 0.155-0.423 0.741-0.879 0.929-1.772 0.549-2.576-0.548-1.164-2.14-1.943-3.957-1.943zM0.667 32c-0.368 0-0.667-0.297-0.667-0.66v-1.32c0-3.823 3.084-6.6 7.333-6.6h1.644l1.911-2.823c0.204-0.303 0.62-0.384 0.925-0.184 0.305 0.201 0.388 0.615 0.183 0.916l-2.109 3.116c-0.124 0.183-0.332 0.292-0.555 0.292h-2c-3.532 0-6 2.172-6 5.28v1.32c0.001 0.365-0.297 0.663-0.665 0.663zM28.667 32c-0.367 0-0.667-0.297-0.667-0.66v-1.32c0-3.109-2.421-5.28-5.891-5.28h-2c-0.22 0-0.425-0.107-0.549-0.287l-2.164-3.115c-0.208-0.301-0.132-0.712 0.172-0.917 0.304-0.204 0.719-0.131 0.927 0.172l1.967 2.829h1.648c4.252 0 7.224 2.716 7.224 6.6v1.32c0 0.36-0.3 0.657-0.667 0.657z\"><\/path>\n        <\/svg><\/span><\/span>\n<h2>Retirement<\/h2>\n<\/div><div class=\"hover-content\">Our Expat Finances advisors study your situation, to preserve your rights and optimize your future income. With solutions such as retirement savings and life insurance, we can help you build a solid plan.<\/div><\/div>  <a  href=\"https:\/\/latour-finances.de\/en\/retirement-savings-contract-expatriates-germany\/\" class=\"box-link\"><\/a> <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-1\/5 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in-from-bottom\" data-delay=\"200\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-fancy-box using-img\" style=\"min-height: 500px\" data-style=\"hover_desc\" data-border-radius=\"default\" data-animation=\"\" data-bg-animation=\"long_zoom\" data-border=\"\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/1032.jpg\"><\/div><div class=\"inner\"><div class=\"heading-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M9.333 18.667h-1.333v-18c0-0.368 0.299-0.667 0.667-0.667h20c0.367 0 0.667 0.299 0.667 0.667v14h-1.333v-13.333h-18.667v17.333zM25.333 4h-13.333c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h13.333c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM25.333 9.333h-13.333c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h13.333c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM20 6.667h-8c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h8c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM0.667 19.333c-0.368 0-0.667-0.3-0.667-0.667v-8.251c0-2.66 2.264-5.084 4.751-5.084h3.249c0.368 0 0.667 0.299 0.667 0.667s-0.299 0.667-0.667 0.667h-3.251c-1.756 0-3.417 1.823-3.417 3.751v8.251c0.001 0.367-0.299 0.667-0.665 0.667zM31.333 19.333c-0.368 0-0.667-0.3-0.667-0.667v-4c0-1.537-0.899-2.957-2.289-3.616-0.333-0.157-0.473-0.556-0.315-0.888 0.156-0.332 0.555-0.473 0.888-0.316 1.853 0.879 3.049 2.771 3.049 4.821v4c0 0.365-0.3 0.665-0.667 0.665zM27.333 32h-22c-0.060 0-0.119-0.008-0.175-0.024-0.153 0.016-0.307 0.024-0.464 0.024-2.613 0-4.695-2.081-4.695-4.639v-8.695c0-0.367 0.299-0.667 0.667-0.667s0.667 0.3 0.667 0.667v8.695c0 1.823 1.481 3.305 3.305 3.305 1.879 0 3.361-1.483 3.361-3.305v-9.361c0-2.573 2.093-4.667 4.667-4.667h14.667c2.573 0 4.667 2.093 4.667 4.667v9.333c0 2.573-2.093 4.667-4.667 4.667zM7.944 30.667h19.389c1.836 0 3.333-1.496 3.333-3.333v-9.333c0-1.837-1.497-3.333-3.333-3.333h-14.667c-1.837 0-3.333 1.496-3.333 3.333v9.361c0 1.292-0.531 2.464-1.389 3.305z\"><\/path>\n        <\/svg><\/span><\/span>\n<h2>Damage<\/h2>\n<\/div><div class=\"hover-content\">We can offer you policies tailored to your home (home insurance), your safety (civil liability), and your needs in the event of disputes (legal protection).<\/div><\/div>  <a  href=\"https:\/\/latour-finances.de\/en\/general-insurance-civil-liability\/\" class=\"box-link\"><\/a> <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f298fc52326\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-top  right_padding_9pct left_padding_9pct\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: rgba(132,179,180,0.2); \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f298fc5284d\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text font_size_38px\" data-style=\"scribble\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2><em>You are :<svg class=\"nectar-scribble basic-underline\" role=\"presentation\" viewbox=\"-400 -55 730 60\" preserveaspectratio=\"none\"><path style=\"animation-duration: 1.8s;\" d=\"m -383.25 -6 c 55.25 -22 130.75 -33.5 293.25 -38 c 54.5 -0.5 195 -2.5 401 15\" stroke=\"#000\" pathlength=\"1\" stroke-width=\"8\" fill=\"none\"\/><\/svg><\/em><\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f298fc52e39\" data-midnight=\"\" data-column-margin=\"80px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"toggles accordion toggles--minimal-shadow\" data-br=\"none\" data-starting=\"default\" data-style=\"minimal\"><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>In Germany for less than 6 months<\/a><\/h3><div><div class=\"inner-toggle-wrap\">\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>If you decide to stay in Germany for more than 6 months, Expat Finances is here to support you in preparing for long-term settlement.\nThis includes registering for social security, choosing the right health insurance plan, and guidance on mandatory insurance coverage.\nOur goal is to help you anticipate every key step for a smooth and successful relocation.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>In Germany for more than 6 months<\/a><\/h3><div><div class=\"inner-toggle-wrap\">\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>For a long-term stay, it\u2019s essential to plan ahead for your financial and tax needs.\nWe assist you with your tax declaration in Germany, optimizing your retirement strategy, and setting up tailored investment solutions.\nOur goal is to maximize your benefits while ensuring full compliance with German regulations.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Living in Germany long-term<\/a><\/h3><div><div class=\"inner-toggle-wrap\">\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>If you are living in Germany long-term, we offer comprehensive wealth and financial management services.\nThis includes tax planning, tailored investment solutions, insurance adapted to your lifestyle, and retirement preparation.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Expat in Germany or cross-border worker between France and Germany<\/a><\/h3><div><div class=\"inner-toggle-wrap\">\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Whether you work in Germany while living in a neighboring country or are a full-time expat, we develop tailored strategies to fit your situation.\nWe provide expert advice on managing cross-border income, understanding tax implications, and exploring optimization opportunities \u2014 so you can fully benefit from the available regulations and systems.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Partner of an expat living in Germany<\/a><\/h3><div><div class=\"inner-toggle-wrap\">\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>As the spouse of an expat, it\u2019s essential to have the right health and insurance coverage.\nWe help you choose a reliable health insurance plan, register with the German public health system, and set up protection solutions to prepare for unexpected events such as sick leave, hospitalization, or disability.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n<\/div><\/div><\/div><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div style=\"\" class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"  data-using-bg=\"true\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><div class=\"column-image-bg-wrap column-bg-layer viewport-desktop\" data-bg-pos=\"center center\" data-bg-animation=\"none\" data-bg-overlay=\"false\"><div class=\"inner-wrap\"><div class=\"column-image-bg\" style=\" background-image: url('https:\/\/latour-finances.de\/wp-content\/uploads\/2024\/10\/munich-overview-scaled.jpg'); \"><\/div><\/div><\/div>\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f298fc54360\"  data-column-margin=\"default\" data-midnight=\"light\" data-top-percent=\"3%\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"true\"><div class=\"inner-wrap row-bg-layer using-image\" ><div class=\"row-bg viewport-desktop using-image using-bg-color\"  style=\"background-image: url(https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/jahanzeb-ahsan-Beuf6m3LDzU-unsplash-scaled.jpg); background-position: center center; background-repeat: no-repeat; background-color: #1d4c5a; \"><\/div><\/div><div class=\"row-bg-overlay row-bg-layer\" style=\"background-color:#1d4c5a;  opacity: 0.95; \"><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light center\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-fancy-ul\" data-list-icon=\"none\" data-animation=\"false\" data-animation-delay=\"0\" data-color=\"accent-color\" data-spacing=\"10px\" data-alignment=\"left\"> \n<ul>\n<li><strong>How to pay less tax?<\/strong><\/li>\n<li><strong>What are the best savings options in Germany?<\/strong><\/li>\n<li><strong>What impact does my expatriation have on my retirement?<br \/>\n<\/strong><\/li>\n<li><strong>Does German social security provide the same level of coverage as in your home country?<\/strong><\/li>\n<\/ul>\n <\/div><div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"accent-color\" data-using-bg=\"true\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"center\" data-text-color=\"custom\" style=\"margin-top: 30px; \"><h4 style=\"color: #ffffff;\"><span class=\"link_wrap\" style=\"padding-top: 20px; padding-right: 40px; padding-bottom: 20px; padding-left: 40px;\"><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\"><span class=\"text\">Contact us to get your answer !<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #ffffff;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f298fc54d17\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-top\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #ffffff; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f298fc551f8\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2 style=\"text-align: center\">What services does a financial advisory firm offer?<\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t<div class=\"wpb_content_element  test\" data-interval=\"0\">\n\t\t<div class=\"wpb_wrapper tabbed clearfix\" data-style=\"minimal_flexible\" data-animation=\"\" data-spacing=\"\" data-icon-size=\"32\" data-full-width-line=\"\" data-color-scheme=\"accent-color\" data-alignment=\"left\">\n\t\t\t<ul class=\"wpb_tabs_nav ui-tabs-nav clearfix\"><li class=\"tab-item active-tab\"><a role=\"button\" href=\"#tab-1756366677582-8\" class=\"active-tab\"><span>Subscription to a German supplementary pension plan<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1756366677654-7\" ><span>Overview of Health Insurance Options<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1756366677759-10\" ><span>Real Estate Financing Support<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1756366677849-7\" ><span>Financial investment support<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1756366677926-8\" ><span>Opening a German PEL<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1756366677987-10\" ><span>Retirement savings contract<\/span><\/a><\/li><\/ul>\n\n\t\t\t\n\t\t\t<div id=\"tab-souscription-complementaire-retraite-allemande\" data-tab-icon=\"iconsmind-Home2\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M28.667 32.001h-9.333c-0.367 0-0.667-0.299-0.667-0.667v-8.667h-5.333v8.667c0 0.368-0.299 0.667-0.667 0.667h-9.333c-0.368 0-0.667-0.299-0.667-0.667v-16.667h-2c-0.277 0-0.527-0.172-0.624-0.433s-0.023-0.553 0.187-0.737l15.333-13.333c0.251-0.219 0.624-0.219 0.875 0l3.563 3.099v-2.596c0-0.368 0.3-0.667 0.667-0.667h5.333c0.367 0 0.667 0.299 0.667 0.667v8.393l5.104 4.437c0.208 0.184 0.284 0.476 0.187 0.737-0.097 0.26-0.347 0.433-0.624 0.433h-2v16.667c0 0.368-0.3 0.667-0.667 0.667zM20 30.668h8v-16.667c0-0.368 0.3-0.667 0.667-0.667h0.884l-4.229-3.676c-0.271-0.236-0.307-0.643-0.083-0.923 0.028-0.036 0.060-0.068 0.093-0.097v-7.304h-4v3.392c0.001 0.261-0.149 0.499-0.388 0.607-0.236 0.109-0.517 0.068-0.715-0.101l-4.229-3.68-13.551 11.783h0.884c0.368 0 0.667 0.299 0.667 0.667v16.667h8v-8.667c0-0.368 0.299-0.667 0.667-0.667h6.667c0.367 0 0.667 0.299 0.667 0.667v8.667z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc55cb5\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1334\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919.jpg\" alt=\"\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919-1024x683.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919-1536x1025.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/19919-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Rental investment support<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740404413954\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>We help you choose the right supplementary retirement plan in Germany \u2014 whether it's a Riester plan, R\u00fcrup plan, or life insurance policy.\nOur goal: to optimize your savings and help you take full advantage of tax benefits and government subsidies.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-etude-sur-les-assurances-maladies\" data-tab-icon=\"iconsmind-Coins\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M22.675 7.336c-3.219 0-8.667-0.561-8.667-2.667s5.448-2.667 8.667-2.667c3.217 0 8.667 0.563 8.667 2.667s-5.449 2.667-8.667 2.667zM22.675 3.336c-4.451 0-7.105 0.887-7.343 1.383 0.237 0.399 2.892 1.284 7.343 1.284 4.449 0 7.104-0.885 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2.104-5.448 2.665-8.665 2.665zM22.675 15.336c-3.219 0-8.667-0.561-8.667-2.667 0-0.367 0.299-0.667 0.667-0.667 0.367 0 0.667 0.3 0.667 0.667 0.228 0.448 2.883 1.333 7.333 1.333 4.449 0 7.104-0.885 7.341-1.38 0-0.368 0.295-0.643 0.663-0.643 0.367 0 0.661 0.324 0.661 0.691 0.001 2.104-5.448 2.665-8.665 2.665zM22.675 19.336c-1.472 0-4.328-0.188-5.556-0.364-0.364-0.052-0.619-0.391-0.565-0.755 0.052-0.361 0.391-0.615 0.755-0.564 1.16 0.167 3.968 0.351 5.365 0.351 4.449 0 7.104-0.885 7.341-1.38 0-0.368 0.295-0.643 0.663-0.643 0.367 0 0.661 0.324 0.661 0.692 0.003 2.101-5.447 2.663-8.664 2.663zM22.675 23.336c-0.464 0-0.917-0.009-1.361-0.028-0.368-0.016-0.655-0.325-0.639-0.693 0.015-0.367 0.305-0.657 0.693-0.64 0.425 0.019 0.861 0.028 1.307 0.028 4.449 0 7.104-0.885 7.341-1.38 0-0.367 0.295-0.643 0.663-0.643 0.367 0 0.663 0.325 0.663 0.692 0 2.103-5.449 2.664-8.667 2.664zM13.991 4.645h1.333v9.333h-1.333v-9.333zM22.657 25.997c-0.459 0-0.908-0.009-1.345-0.028-0.368-0.016-0.653-0.328-0.637-0.695 0.016-0.365 0.339-0.647 0.695-0.637 0.419 0.017 0.849 0.027 1.288 0.027 4.449 0 7.105-0.881 7.341-1.375l-0.008-18.644c0-0.368 0.3-0.667 0.667-0.667 0.368 0 0.667 0.299 0.667 0.667v18.692c0 2.1-5.448 2.66-8.667 2.66z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc56e72\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Savings contract subscription<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740404119370\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>We analyze your situation and guide you towards the most appropriate health insurance in Germany: public insurance (GKV) or private insurance (PKV). We'll help you optimize your health coverage and understand the tax benefits associated with each option.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-scaled.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1707\" width=\"2560\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-scaled.jpg\" alt=\"\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-scaled.jpg 2560w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-1024x683.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-2048x1365.jpg 2048w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/female-employees-are-about-sign-contract-work-head-personnel-department-business-office-900x600.jpg 900w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-accompagnement-pret-immobilier\" data-tab-icon=\"iconsmind-Home\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M3.333 29.001c-0.368 0-0.667-0.3-0.667-0.667v-16c0-0.367 0.299-0.667 0.667-0.667s0.667 0.3 0.667 0.667v16c0 0.367-0.299 0.667-0.667 0.667zM28.667 29.001c-0.367 0-0.667-0.3-0.667-0.667v-16c0-0.367 0.3-0.667 0.667-0.667 0.368 0 0.667 0.3 0.667 0.667v16c0 0.367-0.299 0.667-0.667 0.667zM25.333 32.335h-18.667c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h18.667c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667zM6.667 32.335c-2.205 0-4-1.795-4-4 0-0.367 0.299-0.667 0.667-0.667s0.667 0.3 0.667 0.667c0 1.472 1.196 2.667 2.667 2.667 0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 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11.001h25.427l-12.809-9.824-12.617 9.824z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc57dac\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477.jpg\" alt=\"tax relief for expatriates in germany\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/477-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Rental investment support<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740405365297\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Buy a property in Germany with complete peace of mind, whether it's your main residence or a rental investment. We'll help you to obtain a mortgage on the best terms and optimize your tax situation.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-accompagnement-placements-financiers\" data-tab-icon=\"iconsmind-Mail-Money\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M1.489 31.195c-0.193 0-0.383-0.084-0.516-0.245-0.233-0.283-0.193-0.701 0.091-0.936l14.512-11.919c0.247-0.201 0.597-0.201 0.847 0l14.457 11.861c0.284 0.232 0.324 0.652 0.092 0.937-0.236 0.284-0.656 0.325-0.94 0.092l-14.032-11.512-14.085 11.569c-0.125 0.103-0.276 0.152-0.425 0.152zM28.667 32.019h-25.333c-1.839 0-3.333-1.497-3.333-3.333v-18.667c0-0.205 0.093-0.4 0.257-0.528l9.751-7.579c1.601-1.244 3.728-1.928 5.989-1.928 2.26 0 4.388 0.685 5.989 1.928l9.751 7.579c0.163 0.127 0.257 0.321 0.257 0.528v18.667c0.005 1.836-1.489 3.333-3.328 3.333zM1.333 10.344v18.34c0 1.101 0.897 2 2 2h25.333c1.103 0 2-0.899 2-2v-18.34l-9.495-7.379c-1.367-1.063-3.205-1.648-5.172-1.648s-3.805 0.585-5.172 1.648l-9.495 7.379zM12.807 21.904c-0.161 0-0.325-0.060-0.453-0.177l-12.139-11.22c-0.271-0.251-0.288-0.672-0.037-0.943 0.249-0.269 0.672-0.287 0.941-0.037l12.139 11.219c0.271 0.251 0.289 0.672 0.039 0.943-0.131 0.143-0.309 0.216-0.489 0.216zM19.197 21.901c-0.18 0-0.361-0.071-0.489-0.213-0.251-0.271-0.235-0.693 0.036-0.943l12.136-11.219c0.273-0.251 0.695-0.232 0.943 0.037 0.251 0.271 0.233 0.692-0.036 0.943l-12.136 11.217c-0.127 0.12-0.291 0.177-0.453 0.177zM22 19.352c-0.367 0-0.667-0.3-0.667-0.667v-12h-10.667v12c0 0.367-0.3 0.667-0.667 0.667s-0.667-0.3-0.667-0.667v-12.667c0-0.368 0.3-0.667 0.667-0.667h12c0.367 0 0.667 0.299 0.667 0.667v12.667c0 0.367-0.3 0.667-0.667 0.667zM10 10.74c-0.367 0-0.667-0.299-0.667-0.667s0.3-0.667 0.667-0.667c1.867 0 3.389-1.52 3.389-3.389 0-0.368 0.299-0.667 0.667-0.667s0.667 0.299 0.667 0.667c0 2.604-2.119 4.723-4.723 4.723zM22 10.74c-2.604 0-4.723-2.119-4.723-4.723 0-0.368 0.299-0.667 0.667-0.667s0.667 0.299 0.667 0.667c0 1.869 1.523 3.389 3.389 3.389 0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM24.059 17.409c-0.059 0-0.119-0.008-0.177-0.025-0.356-0.097-0.564-0.465-0.468-0.82l1.672-6.048-3.232-0.717c-0.361-0.080-0.584-0.436-0.508-0.796 0.084-0.361 0.433-0.584 0.797-0.507l3.917 0.869c0.18 0.040 0.332 0.151 0.427 0.307 0.091 0.157 0.12 0.345 0.072 0.521l-1.861 6.724c-0.077 0.297-0.345 0.492-0.639 0.492zM7.941 17.409c-0.293 0-0.561-0.195-0.641-0.489l-1.86-6.724c-0.048-0.176-0.023-0.363 0.072-0.521 0.095-0.156 0.249-0.267 0.427-0.307l3.917-0.869c0.363-0.077 0.716 0.148 0.796 0.507 0.080 0.36-0.147 0.716-0.507 0.796l-3.231 0.717 1.672 6.048c0.096 0.356-0.112 0.723-0.469 0.819-0.057 0.016-0.117 0.024-0.176 0.024zM16.832 19.969c-0.299 0-0.568-0.2-0.644-0.5-0.089-0.359 0.123-0.721 0.479-0.812 1.177-0.303 2-1.364 2-2.583 0-1.471-1.195-2.667-2.667-2.667s-2.667 1.196-2.667 2.667c0 1.219 0.821 2.28 2 2.583 0.357 0.091 0.571 0.456 0.479 0.812s-0.451 0.571-0.812 0.479c-1.765-0.455-3-2.047-3-3.873 0-2.205 1.795-4 4-4s4 1.795 4 4c0 1.827-1.235 3.419-3.003 3.873-0.055 0.013-0.111 0.021-0.165 0.021z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc58c71\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Savings contract subscription<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740404472122\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Invest intelligently in Germany with suitable investments: ETFs, equities, bonds, investment funds. We advise you on diversification and tax optimization to maximize your returns.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"747\" width=\"1120\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1.jpg\" alt=\"exchange-crisis-ukrainian-expatfinances\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1.jpg 1120w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1-1024x683.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1-900x600.jpg 900w\" sizes=\"auto, (max-width: 1120px) 100vw, 1120px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-ouverture-de-pel-allemand\" data-tab-icon=\"iconsmind-Folder-Bookmark\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M28.667 31.279c-0.147 0-0.295-0.049-0.416-0.145l-2.251-1.792-2.251 1.792c-0.2 0.161-0.472 0.193-0.705 0.080-0.231-0.112-0.377-0.345-0.377-0.601v-11.279c0-0.365-0.299-0.667-0.667-0.667-0.367 0-0.667-0.299-0.667-0.667 0-0.365 0.3-0.667 0.667-0.667h5.333c1.104 0 2 0.899 2 2v11.279c0 0.256-0.145 0.489-0.377 0.6-0.092 0.045-0.191 0.067-0.289 0.067zM26 27.823c0.147 0 0.295 0.047 0.417 0.143l1.583 1.263v-9.896c0-0.368-0.299-0.667-0.667-0.667h-3.445c0.073 0.207 0.112 0.433 0.112 0.667v9.896l1.584-1.261c0.123-0.096 0.271-0.144 0.416-0.144zM31.333 14c-0.367 0-0.667-0.299-0.667-0.667v-4c0-2.205-1.795-4-4-4h-11.167c-0.368 0-0.667-0.299-0.667-0.667 0-1.041-1.652-3.333-3.417-3.333h-6.667c-1.755 0-3.416 1.823-3.416 3.751v8.251c0 0.368-0.299 0.667-0.667 0.667s-0.667-0.299-0.667-0.667v-8.251c0-2.66 2.263-5.084 4.751-5.084h6.667c2.231 0 4.22 2.26 4.66 4h10.589c2.943 0 5.333 2.392 5.333 5.333v4c0 0.368-0.299 0.667-0.667 0.667zM4.695 32c-2.612 0-4.695-2.081-4.695-4.639v-14.028c0-0.368 0.299-0.667 0.667-0.667s0.667 0.299 0.667 0.667v14.028c0 1.823 1.483 3.305 3.305 3.305 1.88 0 3.361-1.483 3.361-3.305v-14.695c0-2.573 2.093-4.667 4.667-4.667h14.667c2.575 0 4.667 2.093 4.667 4.667v2c0 0.368-0.299 0.667-0.667 0.667-0.367 0-0.667-0.299-0.667-0.667v-2c0-1.837-1.495-3.333-3.333-3.333h-14.667c-1.836 0-3.333 1.496-3.333 3.333v14.695c0 2.557-2.081 4.639-4.639 4.639zM18.667 32h-13.333c-0.368 0-0.667-0.3-0.667-0.667s0.3-0.667 0.667-0.667h13.333c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc59b7d\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg\" alt=\"non-life insurance in germany: liability, home and legal insurance\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Rental investment support<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740404508724\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>We can help you open a German PEL (Bausparvertrag), the ideal way to save for a low-cost home loan in Germany. Take advantage of secure financing and competitive rates.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-souscription-contrat-depargne-retraite\" data-tab-icon=\"iconsmind-Business-ManWoman\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"41\" height=\"32\" viewbox=\"0 0 41 32\">\n        <path d=\"M40.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.324-4.909-4.563-8.001-4.563-0.207 0-0.403-0.096-0.528-0.26l-3-3.896c-0.224-0.292-0.169-0.708 0.123-0.935 0.293-0.223 0.711-0.171 0.935 0.123l2.803 3.639c3.74 0.089 9.003 1.692 9.003 5.892v1.333c0 0.367-0.3 0.667-0.667 0.667zM14.5 22.5c-3.953 0-7.175-4.295-7.476-8.091-0.889-0.251-1.691-0.984-1.691-1.909v-2.667c0-0.833 0.807-1.435 1.333-1.739v-2.261c0-2.528 2.020-4.592 4.529-4.664 0.536-0.215 2.648-1.003 4.804-1.003 3.44 0 5.333 2.013 5.333 5.667v2.059c1.333 0.26 1.333 1.331 1.333 1.941v2.667c0 0.928-0.421 1.62-1.101 1.883-0.255 3.94-3.192 8.117-7.065 8.117zM16 1.5c-2.163 0-4.383 0.936-4.404 0.947-0.084 0.035-0.172 0.053-0.263 0.053-1.837 0-3.333 1.495-3.333 3.333v2.667c0 0.261-0.155 0.5-0.393 0.608-0.475 0.215-0.915 0.583-0.941 0.731v2.661c0 0.293 0.56 0.667 1 0.667 0.368 0 0.667 0.299 0.667 0.667 0 3.303 2.845 7.333 6.167 7.333 3.239 0 5.751-3.943 5.751-7.333 0-0.368 0.299-0.667 0.667-0.667 0.277 0 0.417-0.224 0.417-0.667v-2.667c0-0.667 0-0.667-0.667-0.667-0.368 0-0.667-0.299-0.667-0.667v-2.667c0-2.916-1.308-4.333-4-4.333zM28 21.047c-1.703 0-3.172-0.344-4.504-0.716-0.356-0.099-0.561-0.467-0.463-0.821s0.469-0.564 0.82-0.463c1.243 0.347 2.601 0.667 4.144 0.667 6.516 0 9.084-3.191 9.9-4.589-0.596-1.013-2.241-3.861-2.547-5.167-0.529-2.248-2.308-7.472-7.353-7.472-1.003 0-1.957 0.227-2.839 0.673-0.332 0.164-0.729 0.029-0.896-0.295-0.167-0.328-0.035-0.729 0.293-0.896 1.073-0.541 2.228-0.816 3.443-0.816 4.221 0 7.372 3.097 8.648 8.499 0.26 1.107 1.959 4.065 2.588 5.113 0.117 0.195 0.128 0.437 0.027 0.639-1.764 3.535-5.976 5.644-11.261 5.644zM0.667 31.833c-0.368 0-0.667-0.3-0.667-0.667v-1.333c0-3.861 3.084-6.667 7.333-6.667h1.644l1.775-2.648c0.205-0.305 0.619-0.388 0.925-0.183 0.305 0.203 0.388 0.619 0.183 0.924l-1.972 2.943c-0.124 0.187-0.332 0.297-0.555 0.297h-2c-3.532 0-6 2.195-6 5.333v1.333c0 0.367-0.299 0.667-0.667 0.667zM28.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.14-2.421-5.333-5.891-5.333h-2c-0.22 0-0.425-0.108-0.549-0.289l-2.164-3.147c-0.208-0.304-0.132-0.719 0.172-0.925 0.304-0.205 0.719-0.132 0.927 0.175l1.965 2.859h1.649c4.252 0 7.224 2.744 7.224 6.667v1.333c0 0.361-0.3 0.661-0.667 0.661zM12 30.5c-0.040 0-0.081-0.004-0.121-0.012-0.216-0.039-0.399-0.184-0.488-0.384l-2.667-6c-0.119-0.268-0.049-0.584 0.172-0.775 0.223-0.195 0.544-0.215 0.791-0.061l5.333 3.333c0.172 0.108 0.285 0.288 0.308 0.489 0.024 0.197-0.047 0.404-0.191 0.544l-2.667 2.667c-0.125 0.129-0.296 0.199-0.471 0.199zM10.828 25.553l1.388 3.123 1.388-1.388-2.776-1.735zM17.332 30.5c-0.175 0-0.345-0.069-0.472-0.195l-2.667-2.667c-0.144-0.139-0.215-0.344-0.191-0.544 0.023-0.2 0.137-0.38 0.308-0.488l5.333-3.333c0.248-0.155 0.568-0.135 0.791 0.061 0.221 0.195 0.291 0.507 0.172 0.775l-2.667 6c-0.089 0.199-0.272 0.345-0.488 0.384-0.039 0.003-0.080 0.007-0.12 0.007zM15.729 27.288l1.388 1.388 1.388-3.123-2.776 1.735z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f298fc5ad8d\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle right_padding_15pct left_padding_15pct\"  style=\"padding-top: 0%; padding-bottom: 0%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div><div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Savings contract subscription<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740404766597\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>We'll guide you through the process of taking out an effective retirement savings contract: life insurance, retirement savings plan (PER) or tax-advantaged solutions. Secure your future while reducing your taxes.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1601\" width=\"2400\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash.jpg\" alt=\"pension systems in germany and france, differences and advantages\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash.jpg 2400w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-1024x683.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-1536x1025.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-2048x1366.jpg 2048w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/wedding-dreamz-bLINhI-khtc-unsplash-900x600.jpg 900w\" sizes=\"auto, (max-width: 2400px) 100vw, 2400px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div> \n\t<\/div> \n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f298fc5c2a7\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"4%\" data-bottom-percent=\"4%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.04); padding-bottom: calc(100vw * 0.04); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f298fc5c7d0\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"padding-bottom: 50px; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column centered-text no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h3>News and insights<\/h3>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f298fc5cd0e\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row  vc_custom_1504236091614\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n    <div class=\"row blog-recent columns-3\" data-style=\"list_featured_first_row\" data-color-scheme=\"light\" data-remove-post-date=\"\" data-remove-post-author=\"\" data-remove-post-comment-number=\"\" data-remove-post-nectar-love=\"\">\n\n      \n      <div class=\"col span_4 post-6933 post type-post status-publish format-standard has-post-thumbnail category-immobilier\" >\n\n        \n            <a class=\"full-post-link\" href=\"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/\" aria-label=\"Buying or renting in Germany: how do you decide?\"><\/a><a class=\"featured\" aria-label=\"Buying or renting in Germany: how do you decide?\" href=\"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/\"><span class=\"img-thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"403\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4-600x403.png\" class=\"attachment-portfolio-thumb size-portfolio-thumb wp-post-image\" alt=\"Image illustrating the choice between buying or renting in Germany, with financial data and graphs.\" title=\"\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4-600x403.png 600w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4-18x12.png 18w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4-900x604.png 900w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4-400x269.png 400w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><\/a>            <div class=\"post-header featured\">\n              <span class=\"meta-category\"><a class=\"immobilier\" href=\"https:\/\/latour-finances.de\/en\/category\/estate\/\">Real estate<\/a><\/span>              <h3>Buying or renting in Germany: how do you decide?<\/h3>            <\/div><!--\/post-header-->\n\n            <div class=\"excerpt\">If you live in Germany, you've probably already said to yourself: \u00abI'd rather buy than throw my rent out the window...\u00bb. But if you think about it...<\/div>\n      <\/div><!--\/col-->\n\n      \n      <div class=\"col span_4 post-6603 post type-post status-publish format-standard has-post-thumbnail category-fiscalite\" >\n\n        \n            <a class=\"full-post-link\" href=\"https:\/\/latour-finances.de\/en\/2025\/05\/taxes-germany-declaration-optimization-errors\/\" aria-label=\"Tax in Germany: A complete guide for French taxpayers - tax returns, tax optimization and tax mistakes to avoid\"><\/a><a class=\"featured\" aria-label=\"Tax in Germany: A complete guide for French taxpayers - tax returns, tax optimization and tax mistakes to avoid\" href=\"https:\/\/latour-finances.de\/en\/2025\/05\/taxes-germany-declaration-optimization-errors\/\"><span class=\"img-thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"403\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/05\/impot-allemagne-declarer-optimiser-600x403.jpg\" class=\"attachment-portfolio-thumb size-portfolio-thumb wp-post-image\" alt=\"tax germany declare optimize\" title=\"\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/05\/impot-allemagne-declarer-optimiser-600x403.jpg 600w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/05\/impot-allemagne-declarer-optimiser-400x269.jpg 400w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><\/a>            <div class=\"post-header featured\">\n              <span class=\"meta-category\"><a class=\"fiscalite\" href=\"https:\/\/latour-finances.de\/en\/category\/taxation\/\">Taxation<\/a><\/span>              <h3>Taxes in Germany :<\/h3>            <\/div><!--\/post-header-->\n\n            <div class=\"excerpt\">Are you a French citizen living in Germany and wondering how to declare your income and optimize your taxes? Do I have to file an income tax return (Steuererkl\u00e4rung)? What income must be declared?<\/div>\n      <\/div><!--\/col-->\n\n      \n      <div class=\"col span_4 post-6584 post type-post status-publish format-standard has-post-thumbnail category-fiscalite\" >\n\n        \n            <a class=\"full-post-link\" href=\"https:\/\/latour-finances.de\/en\/2025\/04\/rental-investment-tax-france-germany\/\" aria-label=\"Investing in rental property in France or Germany: tax comparison for expatriates\"><\/a><a class=\"featured\" aria-label=\"Investing in rental property in France or Germany: tax comparison for expatriates\" href=\"https:\/\/latour-finances.de\/en\/2025\/04\/rental-investment-tax-france-germany\/\"><span class=\"img-thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"403\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/04\/fisca-immo-locatif-fr-all-600x403.png\" class=\"attachment-portfolio-thumb size-portfolio-thumb wp-post-image\" alt=\"tax-rental-immo-france-germany\" title=\"\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/04\/fisca-immo-locatif-fr-all-600x403.png 600w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/04\/fisca-immo-locatif-fr-all-400x269.png 400w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><\/a>            <div class=\"post-header featured\">\n              <span class=\"meta-category\"><a class=\"fiscalite\" href=\"https:\/\/latour-finances.de\/en\/category\/taxation\/\">Taxation<\/a><\/span>              <h3>Investing in rental property in France or Germany: tax comparison for expatriates<\/h3>            <\/div><!--\/post-header-->\n\n            <div class=\"excerpt\">As a French expatriate in Germany, you have the opportunity to invest in real estate on both sides of the Rhine. A great opportunity! \ud83c\udfe1 But how do you choose between an investment...<\/div>\n      <\/div><!--\/col-->\n\n      \n    <\/div><!--\/blog-recent-->\n\n  \n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f298fc602b6\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column centered-text no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"accent-color\" data-using-bg=\"true\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"center\" data-text-color=\"custom\" style=\"margin-top: 30px; \"><h4 style=\"color: #ffffff;\"><span class=\"link_wrap\" style=\"padding-top: 20px; padding-right: 40px; padding-bottom: 20px; padding-left: 40px;\"><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/blog-financial-news-germany\/\"><span class=\"text\">See more<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #ffffff;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"As a French expatriate in Germany, you have the opportunity to invest in real estate on both sides of the Rhine. A great opportunity! \ud83c\udfe1 But how do you choose between an investment...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5909","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cabinet de conseil financier en Allemagne Expat Finances - Expat Finances<\/title>\n<meta name=\"description\" content=\"Votre cabinet de conseil financier, Expat Finances, sp\u00e9cialis\u00e9 dans la fiscalit\u00e9 et la gestion financi\u00e8re en Allemagne des expatri\u00e9s fran\u00e7ais.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latour-finances.de\/en\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cabinet de conseil financier en Allemagne Expat Finances - 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