Frequently Asked Questions (FAQ)
Specific Questions
👉 Expatriation in Germany & Tax Status
👉 Self-Employed in Germany
👉 My Protection
👉 My Retirement
👉 My Health
👉 My Car
👉 My Pets in Germany
👉 My Children
👉 My Taxes
👉 My Investments
👉 My Real Estate
👉 My Return to France – Departure from Germany
👉 Employee in Germany
General Questions
1. Why choose Faller Finance as a French expat in Germany?
Faller Finance supports you in all aspects of your financial strategy in Germany: tax optimization, retirement planning, investments, insurance, and wealth transfer. Our strength? A perfect command of both French and German systems, and solutions tailored to the realities of expatriates.
→ Learn more about our comprehensive support
2. When should one start planning for retirement as an expat?
The sooner, the better. By starting your retirement savings at 30 or 40, you significantly reduce the monthly effort required, while benefiting from attractive returns and significant tax optimization.
→ Discover our page dedicated to retirement planning
3. What tax benefits are available for expats in Germany?
Depending on your situation, you may benefit from tax deductions of up to 45%, subsidies for dependents (up to €300 per child), or exemptions on certain real estate or financial investments.
→ More information on our tax optimization service
4. What investment solutions are suitable for expats?
We offer investment strategies tailored to your profile (rental property, SCPI, Luxembourg life insurance, portable financial investments…). The goal: to grow your assets while reducing your tax burden.
→ Consult our Investments & Wealth page
5. Can Faller Finance help me choose between public and private health insurance in Germany?
Yes. We analyze your situation (income, family composition, status) to help you make the right choice between public health insurance (GKV) or private health insurance (PKV), while anticipating your future needs (family, retirement, return to France).
→ Discover our page dedicated to insurance and provision
6. I contribute in France and Germany. Are my retirement rights cumulative?
Yes, thanks to European agreements, your years of contributions in each country are taken into account. However, it is essential to check your career statements and build a coherent cross-border strategy to avoid unpleasant surprises.
→ Get a personalized retirement study
7. Are the proposed solutions compatible with a future return to France or a departure elsewhere?
Absolutely. We prioritize internationally portable solutions, such as Luxembourg life insurance policies or transferable retirement contracts, to offer you maximum flexibility, even if you change countries.
→ More information on our investment strategies
8. Can I optimize my taxation by investing in real estate from Germany?
Yes, and it is even a widely used strategy. Whether you invest in France or Germany, it is possible to optimize your taxation through depreciation, tax exemption schemes, or proper structuring of rental income.
→ Read our complete dossier on Investments & Wealth
9. Can Faller Finance help me transfer my assets to my children while avoiding heavy taxation?
Yes. We help you proactively prepare an effective wealth transfer strategy (donation, dismemberment, life insurance) taking into account French and German regulations.
→ Consult our Investments & Wealth page
10. How does a consultation with Faller Finance work?
Everything begins with a free discovery meeting (remote or in-person) to understand your situation. Then, we propose a personalized action plan, which we implement together. Our follow-up is continuous and evolving.
→ Book an appointment now
Reinvent your Financial Life
You have taken the step of expatriation; let's unlock its full financial potential together. A first free and no-obligation consultation is often enough to optimize your situation — our many positive reviews attest to this.
Max is a great advisor, everything was clear and well organized. In one hour, I understood what I hadn't understood for years. Very effective method, I highly recommend!
Anthony Absr
Mr. Faller is attentive, knows his profession very well, and explains every step and possibility in an accessible way. Our discussions have always been very constructive and pleasant, and I recommend his services to anyone interested.
Jihane Nafil
I spoke with Mr. Faller, who offered me investment solutions that met my expectations. Mr. Faller knows his profession well and acts with complete transparency, which is highly appreciated when working with a financial advisor. Furthermore, he is very responsive, and my contracts were set up quickly.
Fabrice Bonnefoy
I recently contacted Max to start an investment strategy in Germany, and so far, it's a 10/10. Accessible, clear, attentive, and relevant in the solutions offered to meet my needs, Max provides the kind of advice that is truly useful when you arrive in Germany and simplifies life!
Margaux
I highly recommend Max! He made it easy for me to understand the insurance options available in Germany. We were able to implement a financial strategy tailored to my situation and needs. Max explains very well and is very attentive: you can trust him completely.
Juliette