Liquidity and financial reserves
A structured view of your finances
Financial advice that starts with your goals
Sound decisions do not come from collecting as many products as possible. They start with a clear view of your goals, commitments and existing arrangements. We help organise these topics and explain possible routes in plain language.
What the consultation covers
We look at your starting point, prioritise objectives and identify which financial topics may matter now or later.
Protection for income, family and property
Retirement planning and long-term wealth building
Reviewing the role of existing contracts
Comparisons based on clear criteria
Depending on the topic, examples of relevant criteria include benefits, exclusions, flexibility, term and contribution. These are examples; the decisive criteria depend on your circumstances and the specific product.
A plan rather than isolated decisions
The aim is for you to understand which topics have priority, which can wait and which documents are needed for a more detailed comparison. Nothing is implemented unless you decide to proceed after the explanation.
Insurance broker or insurance agent?
In Germany, insurance is mainly arranged through agents and brokers. Both must be entered in the intermediary register (Vermittlerregister). The key difference is on whose behalf they act. MB Finance works as an insurance broker.
- Insurance agent: acts on behalf of one or more insurers. A so-called tied agent (Ausschließlichkeitsvertreter) usually offers solutions from only one company or group of companies.
- Insurance broker: is engaged by you and acts on your behalf, not on behalf of an insurer. A broker can include solutions from different providers; which ones depends on the mandate and the accessible market.
Typical occasions for financial advice
A change in life is often what prompts people to reorganise their finances. This website also has dedicated guides on these occasions.
- Starting a career: Your first own income raises questions about health insurance, liability, your ability to work and the first steps in retirement planning.
- Moving in together and marriage: Existing contracts may overlap or may need to be adapted to your shared situation.
- Family and children: People who care for others often take a fresh look at income, protection for dependants and reserves.
- Buying a home: Ownership and financing change the risks, for example regarding the building and long-term payment obligations.
- Self-employment: Without an employer, continued pay during illness falls away, for example, and often so does compulsory statutory pension insurance. Business risks are added.
- Retirement: The question is how income in old age will be organised and which contracts will still fit.
Finding a sensible order
Not everything needs to be settled at once. As a general orientation, the following order can help; in individual cases it may look different.
- Secure liquidity: a reserve for unexpected expenses so that, for example, a repair or an additional payment does not become a bottleneck.
- Review major risks: events whose financial consequences you could not bear on your own.
- Plan for the long term: link goals for retirement and larger projects with an amount you can sustain over time.
- Review regularly: adapt the plan to changing circumstances rather than fixing it once and for all.
Getting an overview of existing contracts
Many people hold contracts from different stages of life, taken out with different providers and for different reasons. A structured overview shows what is in place, where benefits overlap and where something may be missing. You decide what to keep, adjust or end.
- Overlaps: for example, two personal liability policies after a marriage.
- Outdated values: such as a sum insured that no longer fits after a move or larger purchases.
- Changed circumstances: contracts that suited an earlier situation but now need a different focus.
- Missing elements: topics that have not been considered so far although their financial consequences could be significant.
First orientation with calculators and checks
This website offers five free orientation checks and 16 calculators, for example on gross-to-net pay 2026, tax classes, savings, interest, loans and inflation. They help you roughly assess your starting point and collect questions for a conversation. The results are based on simplified assumptions and do not replace individual advice.
This content provides general orientation. Situations and benefits mentioned are examples; the specific need, policy terms and individual advice are decisive. It does not state a price, acceptance or cover decision.
Contact and content responsibility
Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.
Related guides
Frequently asked questions
Do I need to know exactly what I am looking for?
No. An initial consultation can be used to organise topics and identify open questions.
Can I bring existing contracts?
Yes. Existing documents may support a later individual review. Please send sensitive documents only through a secure channel explicitly provided for that purpose.
What is the difference between financial advice and an insurance comparison?
A comparison answers the question of which solution may be considered for a specific topic. Financial advice starts earlier: it clarifies which topics have priority in the first place and how they relate to each other. A comparison can follow as a next step.
Can I get advice on a single topic only?
Yes. The scope is agreed together at the start. A single topic, for example liability cover or an existing pension contract, can be the subject of the advice. If it turns out that other topics are connected, you decide whether to include them.
How often should I review my finances?
There is no fixed rule. It makes sense to look at the overall picture when things change, such as a new job, a move, marriage, the birth of a child or becoming self-employed. Beyond that, a regular review, for example once a year, can help you keep track.
What does advice from an insurance broker cost?
The initial consultation with MB Finance is non-binding and free of charge. Before any advice, you receive the legally required initial information (Erstinformation) in text form. Among other things, it explains how MB Finance is remunerated.
Next step
Put your topic into context with us.
Send a short request without health or contract details. We will contact you to agree on the next step.