Natalya Lazutina

Finances for Expats in Germany

Managing your finances as an expat in Germany doesn’t have to be stressful.

Without a clear understanding of the German system and the financial tools available to you, it’s easy to miss out on important opportunities—such as state benefits, tax advantages, or the right insurance coverage.

That’s where I come in. I provide expert, independent guidance tailored to your personal situation, making it easier to manage everything from opening a bank account and optimizing your taxes to choosing the right healthcare plan and protecting your assets.
On this website, you’ll also find practical tips and useful resources designed to help you make informed, confident financial decisions. Let’s turn the challenges of expat life in Germany into real opportunities for long-term success.

You are exactly in the right place if you:

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

want 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 valuable opportunities

want to secure a strong financial future for your children, whether through long-term savings, education planning, or 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 to save money and support long-term financial success

Our Partners

I work with a carefully selected network of reputable financial institutions in Germany and across Europe. These partnerships allow me to offer well-established solutions with a proven track record—while always keeping your individual needs and best interests at the center of every recommendation.

My Services

Banking

Opening a bank account at no cost with one of Germany’s leading banks
Ongoing, ad-hoc support whenever you need it
Credit cards with exclusive conditions and bonuses

Private Loans and Mortgages

Individually tailored loan and mortgage solutions
Access to competitive conditions through a partner network of 450+ banks
Support with KfW development loan programs
You choose the property — I take care of the financing

Wealth Management and Financial Planning

Defining your short- and long-term financial goals
Creating a clear, realistic strategy to achieve them
Smart allocation of:
monthly savings
annual bonuses
tax refunds

Planning areas include:

Home purchase plannining
Investment planning
International retirement planning
Efficient use of Kindergeld and capital-forming benefits (Vermögenswirksame Leistungen – VL)

Insurance Solutions

Tailoring the right coverage at affordable prices
Protection for your health, income, family, and property

Including:

Public and private health insurance
Occupational disability and life insurance
Property, car, and personal liability insurance

How I Work

🤝1. Personal Consultation

We start with a one-on-one conversation to understand your situation, goals, and plans in Germany. Whether you’re newly arrived or already settled, I take the time to listen and identify what truly matters to you.

🔍 2. Analysis & Clarity

Once you’re comfortable with the plan, I help put everything in place—from applications and paperwork to coordination with banks and insurers. You’re never left to deal with bureaucracy alone.

🧭 3. Tailored Strategy

Based on your needs, I develop a personalized financial strategy covering banking, financing, insurance, investments, and long-term planning—always aligned with your life goals.

🏗️ 4. Implementation & Support

Once you’re comfortable with the plan, I help put everything in place—from applications and paperwork to coordination with banks and insurers. You’re never left to deal with bureaucracy alone.

🔄 5. Ongoing Review

Life changes, and so should your financial plan. I remain available for ongoing support, regular reviews, and adjustments whenever your situation evolves.

I’m Your Personal Financial Partner in Germany

Natalya Lazutina

Helping expats navigate taxes, investments, banking, and insurance with clarity and confidence.

Who I Am

I’m a certified financial expert with over 10 years of experience in Germany, holding a Master’s in International Business Law and a background as an international business lawyer. I’ve advised clients from all over the world—including Brazil, India, China, Singapore, Russia, Kazakhstan, and Ukraine.

Why I Do This

I came to Germany in 2012 as an expat family member. I know firsthand the challenges of building a secure financial life in a new country—navigating bureaucracy, understanding taxes, and planning for the future. That’s why I’m here: to make finances simple, understandable, and tailored to your goals.

How I Can Help You

Optimize your taxes and financial planning

Access the best banking, loan, and insurance solutions
Build wealth with a clear, long-term strategy

Your First Consultation is Free

Let’s turn your financial plans into real success—without stress, confusion, or risk.