The Money Moves Nobody Told You About...before they expire on 31 December
Pay less tax this year. Get ahead of Germany's biggest pension shake-up in 25 years. Walk out with a plan.
One room. One morning. Zero fluff. Free.
Here's what most people in Germany don't realise: the system has more ways to work in your favour than anyone ever explains. There are deductions, allowances, state top-ups and property strategies that people quietly use every year, while everyone else simply pays more.
The catch is that many of them run on a calendar. Some only count if you act before 31 December. Others change completely on 1 January, when Germany's private pension system gets its first major overhaul since 2001. Miss the window and the opportunity doesn't wait for next year. It's gone.
So this isn't a "someday" seminar. It's a "this month" one.
What you'll walk away with:
⏳ The year-end moves that actually move the needle. These are the legal, practical steps you can still take before 31 December to cut your 2026 tax bill.
🔄 The new state-backed pension depot, decoded. From January, a new ETF-based retirement account arrives with government top-ups, plus extra for every child. It's also open to the self-employed and freelancers. We'll cover who should act now, who should wait, and what to do with an old Riester contract if you have one.
🏠 Property as a wealth and tax tool. AfA, Sonderausgaben, financing structures, and how expats are getting onto the property ladder in Germany.
📈 Investing smarter in Germany. ETFs, funds, and the quiet traps that cost people for years without them noticing.
🔐 Protecting what you build. Pension gaps, insurance, and why so many expats are one bad year away from a serious setback.
🗺️ Your personal roadmap. You leave knowing your next three moves, not holding a stack of brochures.
This isn't a webinar, and it isn't a sales pitch dressed up as a seminar. It's a real conversation, run by people who've lived the expat experience and built their careers helping others navigate it. Bring your questions. We'd rather solve your situation than read slides at you.
Who it's for: Anyone who pays tax in Germany, whether German, expat or somewhere in between. Whether you arrived last year or have been here a decade. Property owners, would-be buyers, renters and freelancers are especially welcome.
Our Agenda:
11:00 Arrival & coffee
11:30 Welcome: why 31 December matters
11:40 Year-end tax moves that actually move the needle
12:10 The biggest pension shake-up in 25 years: the new Altersvorsorgedepot
12:40 Break
12:55 Property as a tax and wealth tool
13:25 Investing smarter & protecting what you build
13:45 Your personal roadmap + open Q&A
14:00 Networking & conversations (until 15:00)
On 21 November, you'll have exactly 40 days left to act.
📍 WeWork, Oskar-von-Miller-Ring 20, Munich
📅 Saturday, 21 November · 11:00–15:00
☕ Coffee's on us
🎟️ Free. Seats are limited, though. This is a room, not a webinar.
[Claim your seat before the window closes →]
P.S. Every week closer to 31 December, there's one less move left on the table. Register now, and forward this to the friend who keeps saying they'll "sort their finances out next year."
Kurz auf Deutsch: Steuern sparen vor dem 31. Dezember, das neue Altersvorsorgedepot als Riester-Nachfolger ab 2027 und Immobilien als Steuer- und Vermögensstrategie. Die Veranstaltung findet auf Englisch statt — Fragen auf Deutsch sind herzlich willkommen