Finances for Expats
Your Personal Consultant in Navigating Your Finances in Germany

Finances for Expats


Managing your finances as an expat in Germany doesn’t have to be stressful. Without the right knowledge of the German system and available financial tools, it’s easy to miss out on valuable opportunities—like state benefits, tax advantages, or the best insurance options. That’s where I come in. With expert guidance tailored to your needs, I make it simple to handle everything—from opening bank accounts and reducing your taxes to choosing the right healthcare plan and securing your assets. Plus, my website is packed with practical tips and resources to help you make smart, confident financial decisions. Let’s turn the challenges of expat life into opportunities for success.




You are exactly in the right place if you:

have been struggling to find reliable, up-to-date information to make confident, informed decisions.

are looking to grow your wealth wisely—while keeping risks clear, manageable, and under your control.

 


want to take full advantage of the financial benefits available to residents in Germany—without getting lost in bureaucracy or missing out on valuable opportunities.


want to secure a strong financial future for your children—whether it’s building long-term savings, planning for education, or simply giving them a solid head start in life.

 

want to enjoy the same quality of life in retirement as you do today—without uncertainty, stress, or financial compromise.

are planning to buy property and want to secure the lowest possible interest rate—saving you money and setting you up for long-term financial success.


 Our Partners

 Thanks to exclusive partnerships with top financial institutions, our products and services are backed by a strong track record of performance—delivering reliable, profitable outcomes for our clients.






My Services 

Banking

  • Openning a bank account at no cost in one of the leading German banks with further ad-hock support at your wish
  • Credit Card with exclusive conditions and bonuses



Private Loans and Mortgage

  • Individually tailored solutions with the best conditions from a partner database of more than 450 banks
  • Loan programs from KFW Bank

The only thing you should do is to choose a property.


Wealth Management and Financial Planning

Helping in defining your long- and short-term financial goals and creating a strategy on reaching them. 

Wise allocation of your monthly savings, annual bonuses, tax refunds

  • house purchase plan
  • international retirement plan
  • investment plan
  • profitable allocation of Kindergeld and capital-forming benefits from your employer (VL)


Insurances


Finding the best products at prices you can afford to protect your health, life and property from unforeseen accidents.

  • private and state health insurance
  • occupational disability and life insurance
  • property, car, liability insurance, etc.



Get more information

 


I am Your Personal Financial Partner in Germany

 


Natalya Lazutina 
Independent Financial Consultant

I’m a certified financial expert with over 10 years of experience in Germany, holding a Master’s degree in International Business Law and a successful background as an international business lawyer. Over the years, I’ve had the privilege of advising clients from around the globe—including Brazil, India, China, Singapore, Russia, Kazakhstan, and Ukraine.

My journey in Germany began in 2012 as an expat family member. Since then, I’ve built a new career, joined one of the country’s leading consulting firms, and launched my own business in partnership with DVAG and its trusted network.

I’m here to guide you through Germany’s complex financial landscape—helping you optimize your taxes, define and achieve your financial goals, and protect what matters most.

Your first consultation is completely free of charge.

Let’s turn your financial plans into real success.
Contact me now

 

 Mobile/WhatsApp +4915120029213

e-mail: natalya.lazutina@dvag.de

 
 
 
 
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