For expats living in Germany earning €80k+
Trusted by 100+ expats from 20+ countries to grow and protect their wealth.
This is what German customers say about us
This is what Spanish customers say about us
100+
clients
from 20+ countries
€5m+
invested for our clients
€500k+
put back in our clients' pockets
Case Studies
One process. Different countries, different starting points, the same clear path to results.
build an investment plan after he was denied opening a brokerage account 
stop losing 10%+ per year to currency depreciation in India 
reduce taxes by €9,925/year with a single rental property 
turn a €400k inheritance into €516k in one year 
earn €15k+ on his severance package Our services
We uncover 3-5 opportunities to reduce your tax burden and grow your wealth
Personal financial report including cashflow analysis, cost of inflation projection, income protection analysis, product and portfolio suggestions, stocks portfolio analysis - leave with 3-5 actionable levers to increase your wealth and reduce your taxes.
Our portfolios have achieved 10%+ yearly growth since setup (past performance, not a guarantee)
Access to institutional funds not available to retail investors. Scientific portfolio approach with expected higher returns than a classic MSCI World.
Have a look at one of our portfolios ->We show you exactly how much to invest monthly to retire early.
Invest in a tax-optimised structure that eliminates capital gains tax and Vorabpauschale (prepaid tax on unrealised gains) while you build retirement assets. Retirement gap calculation based on your real Deutsche Rentenversicherung projection. 2-3 scenarios (e.g. retire at 63, 57, or 50) with a clear monthly target to close the gap.
Clients have reduced taxable income by €20k+/year with a single property
Access to off-market properties with high levels of depreciation to reduce your taxable income. Qualification check, tax impact simulation, market/location recommendation, financing, full process support to notary.
Fully set up after 2-3 conversations. 98% of our 100+ clients still work with us on a continuous basis.
100% digital. Check-ins every 6-12 months. WhatsApp access for quick questions. We adapt your plan when life changes (new job, marriage, kids, move). Free up your time to focus on your job and family.
Read our cheat sheets
Free guides on how to save taxes, file your tax return, or buy real estate as an expat in Germany. Pick the one that fits your situation and we will send it straight to you on WhatsApp.
Our process
A clear path from first conversation to a working financial setup, with every step handled digitally and at your pace.
We map your current situation, identify your top 2-3 financial levers, and check if there's a fit. 15 min, no obligation.
We build your personal financial roadmap: retirement timeline, tax optimization, investment structure, and real estate if relevant.
We execute step by step: open accounts, set up portfolios, sign contracts. 100% digital.
Check-ins every 6-12 months. We adapt when life changes. WhatsApp access for quick questions anytime.
Reviews
01 Most expats have fragmented finances across countries, accounts, and goals.
02 You need one concept that ties everything together: income, taxes, investing, and life plans.
Insurance and E-Commerce Program/Project Leader
"Working with Felix has been an exceptional experience. Navigating wealth building, investments, and retirement planning in Germany can feel overwhelming, but Felix makes the entire process clear and straightforward. He has an amazing ability to break down complex financial concepts into simple, practical steps without ever making things feel unnecessarily complicated. I deeply appreciate his honest, transparent approach - I have always felt completely supported and never pressured into making decisions. As an international, having his top-tier English proficiency and tailored guidance has given me immense clarity and confidence in my financial future. Felix is approachable, reliable, and genuinely cares about building sustainable, long-term relationships. I wholeheartedly recommend him to any colleague, friend, or fellow expat looking for trusted financial guidance."Read full review
Test System Engineer
"I've had the pleasure of working with Felix and can highly recommend him as a financial advisor. Felix, a calm and composed man, stands out for his ability to explain complex financial and insurance topics in a clear and practical way. His advice is always transparent, personalized, and focused on helping clients make informed decisions with confidence. As an expat living in Germany, I've particularly appreciated his English proficiency. His support has made navigating the German financial system much easier and far less intimidating. Beyond his expertise, Felix is reliable, responsive, and genuinely committed to his clients' long-term success. I would gladly recommend him to anyone looking for knowledgeable and trustworthy financial guidance, especially fellow internationals in Germany."Read full review
Product Manager at Payrails | Fintech & B2B Payments | Launching Scalable Products & Driving Product-Market Fit
"I had a great experience working with Felix. As an expat in Germany, navigating the private pension and investment landscape can be challenging, but he made the process clear and straightforward. He took the time to explain my options and helped me make informed decisions with confidence. I highly recommend Felix to anyone looking for trusted financial guidance in Germany, especially fellow expats."Read full review
Head of Program Management @ Zalando | Driving Strategic Initiatives
"I've had the pleasure of working with Felix for some time now, and I can confidently say he has been an exceptional financial advisor. What I appreciate most is that Felix takes the time to truly understand your goals and explains complex financial topics in a simple, clear, and honest way. At no point have I ever felt pressured - his advice is always thoughtful, transparent, and tailored to my situation, which has given me a great deal of confidence in making important financial decisions. One aspect that has been particularly valuable for me as an international living in Germany is that Felix has built a team of English-speaking professionals. Navigating the German financial and insurance system can be overwhelming, and having someone who can clearly explain complex regulations, translate the nuances, and provide tailored advice makes a huge difference. Beyond his expertise, Felix is approachable, responsive, and genuinely cares about building long-term relationships with his clients. It's clear that he wants the best outcomes for the people he works with. I would wholeheartedly recommend Felix to friends, family, and colleagues - especially fellow internationals looking for a knowledgeable, trustworthy financial advisor who can help them confidently navigate the German financial system."Read full review
HR Business Partner at Alstom
"Felix advises me openly and honestly at all times. Through his guidance, he has brought structure to my finances and created protection for the future. I am happy to have Felix by my side in these matters."View on LinkedIn
Project Manager - MBA
"Very professional, focused, and honest contact. I look forward to continuing our collaboration."View on LinkedIn
Category Management, product development, and sales strategy at adidas
"Felix advised me with great competence and professionalism. He explained the fundamentals of building wealth very clearly and understandably. He also assessed my situation individually and made suitable recommendations for insurance and investments. I can absolutely recommend Felix!"Read full review
Team Lead Project Management Quality and Document Management at TenneT TSO GmbH
"Working with Felix Mosthaf on my retirement planning and insurance situation has been consistently reliable, professional, and high quality. For the first time, I feel comprehensively and clearly advised, without complex topics being made unnecessarily complicated. I especially appreciate how Felix uses his empathetic approach to guide me through challenging topics. Thank you, Felix - I look forward to continuing our collaboration!"Read full review
Global Partnerships @ FC Bayern Munich
"I believe it is incredibly valuable to start dealing with finances and long-term planning early in life, and FEMOFI has been a great partner in that process. What stood out to me was the highly personal and tailored advice. The team really took the time to understand my individual situation, goals, and questions. The approach was structured and clear, making even complex topics easy to follow. I always felt the communication was transparent and honest, and the expertise and knowledge were evident in every step. One particularly important takeaway for me was the focus on looking at different time horizons for my investments short, medium, and long term and being disciplined according to those goals. This perspective gave me clarity and confidence in building a sustainable financial strategy. Throughout the process, I felt supported and well guided. FEMOFI managed to create a professional yet approachable atmosphere that makes financial planning not only accessible but also motivating. In short: excellent, individual advice with real long-term value. I can fully recommend FEMOFI."Read full review
University Lecturer
"Thanks to Felix, I learned how to set realistic financial goals and how to achieve them. Additionally, I learned about investing in stocks, which is part of my long-term plan to achieve financial freedom! I highly recommend that you consider seeking help from Felix to gain control over your finances."View profile
Research Assistant
"From the very first consultation, Felix answered my many questions with a great deal of patience and detail. Thanks to his clear explanations, I now feel confident about the topic."View profile
About / Team
Founder & Financial Advisor
Felix lived and worked in 6 countries: Panama, Spain, Australia, Colombia, the Netherlands, and Germany. Everywhere he went, he met smart, successful people doing very little for their financial future. When he settled in Germany, he realised firsthand how hard it is for expats to get finances right in a new country. So he built FEMOFI: a team that helps expats sort out investing, taxes, and retirement in Germany.
Everything we do, we do to enable you to take control over your financial future.
Social Media & Client Onboarding
Personal Assistant
Backoffice Client Support
Tech & Operations
Real Estate Specialist
Private Health Insurance Specialist
Social Media & Lead Generation
Tax Lawyers
Questions & answers
The things most expats ask before booking a call.
Straight answers on the strategy call, costs, fit, taxes, access to funds, and what working with FEMOFI actually looks like.
It's a working session. We map your current situation (income, taxes, investments, goals) and identify the 2-3 biggest levers you're not using. Expect specific advice. We go straight to your numbers.
3-5 concrete steps you can act on to build further wealth, generate passive income for retirement, and reduce your taxes.
If your household earns €80k+/year and you're an expat living in Germany, we can almost certainly help. We work with software engineers, data scientists, product managers, consultants, and similar roles at companies like SAP, Zalando, Google, Amazon, Siemens, ABB, and Delivery Hero. Many clients relocated from India, Pakistan, the US, Spain, Eastern Europe, and Latin America. Advisory is 100% online.
If your household income is below €80k/year, we're likely not the right fit yet. If you're looking for day-trading tips, crypto speculation, or short-term schemes, this isn't us. We focus on long-term wealth building, tax optimization, and structured financial planning.
There are two models depending on your preference and current situation: fee-based or commission-based. Importantly, these costs exist whether you work with us or not. You simply decide who receives them. They are already included in your monthly or annual contributions.
Ongoing portfolio management: max 1.2% of your annual contributions as a service fee.
New investment contracts: A one-time fee or commission of ~2.5% of the total investment amount.
Real estate: 4.76% buyer's commission (Aussencourtage), standard market rate.
We discuss exact terms transparently in the first conversation, tailored to your specific situation. The strategy call itself is always free.
Fee-based means you pay a transparent setup fee (e.g. €1,990) and we receive no commission from product providers. Commission-based means the product provider pays us 2.5% of the total product lifetime value from your contributions. This 2.5% goes to an advisor either way: if you set it up yourself, it goes to the product provider instead. In most cases, fee-based gives you the better and more transparent outcome with quicker positive returns, since no commission is deducted from your invested capital. We explain both options and let you choose.
You certainly can, same as you can bake your own bread or file your taxes by yourself. The question is rather: does the bread taste as good as the one from the bakery who does it every day multiple times? And is your tax return as high as if a tax consultant would do it for you? Be aware: in many cases the product costs exist regardless of whether you use an adviser or not.
It depends on the investment, but we aim to make your money as liquid as possible. Your securities account (brokerage) is fully liquid and can be accessed at any time with no penalties. For insurance-wrapped pension products, early access is possible but may come with reduced tax benefits depending on how long you've been invested. We always structure plans so you have a liquid portion for flexibility alongside a long-term portion for tax optimization.
Your investments are held in your name at regulated custodians (banks and insurance companies like Deutsche Bank, Fidelity, LV1871, Alte Leipziger, etc.). If FEMOFI ceased to exist tomorrow, your money stays exactly where it is. You'd simply assign a new advisor or manage it yourself. We don't hold your money. We advise and manage on your behalf.
20+ countries. The largest groups are from India, the US, Spain, Pakistan, Eastern Europe, and Latin America. All are expats living and working in Germany, typically in tech, consulting, engineering, or corporate roles.
It depends on your situation, but the three strongest levers for expats in Germany are generally: (1) Tax-optimised investment wrappers that eliminate Vorabpauschale and defer capital gains tax. (2) Rental property with accelerated depreciation (Restnutzungsdauer Gutachten) that can save €5,000-10,000/year depending on income and property. (3) Structuring your pension contributions to maximize deductions. These cover most cases, but when we analyse your specific situation in the strategy call, we dive deeper and identify which combination applies to you.
Yes. Check our case studies: Ryan (US citizen denied brokerage access), Priya (moved investments from India), Maria (tax savings through real estate), John (inherited a lump sum near retirement), Julian (invested severance after being laid off). We also have LinkedIn recommendations and video testimonials from real clients. Names in case studies are changed for privacy, but the numbers are real.
We analyse whether it makes sense to keep them or move them. For many expats (especially from India, the US, or countries with depreciating currencies), keeping investments abroad means hidden losses from currency depreciation, high fees, and double complexity. Together with our tax lawyer, we figure out the optimal path: liquidate, transfer, or keep, depending on your tax situation and goals.
We work closely with our tax lawyers (Richard & Fabian) who handle the tax-related aspects and we ensure your investment structure is set up to minimize your tax bill from day one.
Our globally diversified portfolios have historically achieved 8-12% annually (past performance, not a guarantee). See our tracked portfolio performance here. What we can guarantee: institutional-grade funds at 0.06-0.29% TER (vs. 1.5%+ for typical active funds), scientific diversification, and tax-optimised structures that keep more of your returns in your pocket.
View tracked portfolio performance ->Free. No obligation. If we're not a fit, we'll tell you directly.
