[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.24.0″ _module_preset=”c7e34058-5790-45cb-a7fe-1a13d95b14b3″ max_width=”100vw” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_fullwidth_slider _builder_version=”4.26.0″ _module_preset=”f78c5f7f-00fb-465e-887e-a78bb67487f5″ header_level=”h3″ background_enable_image=”off” module_alignment=”center” content_width_tablet=”” content_width_phone=”90%” content_width_last_edited=”on|tablet” content_max_width_tablet=”” content_max_width_phone=”90%” content_max_width_last_edited=”on|phone” custom_padding_phone=”75px||75px|20px|false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][et_pb_slide heading=”Investments for U.S. Citizens” content_tablet=”<\/p>\n
Learn more<\/a><\/p>\n Crisis preparedness<\/a><\/p>\n<\/div>\n ” content_phone=”<\/p>\n Learn more<\/a><\/p>\n<\/p>\n Crisis preparedness<\/a><\/p>\n ” content_last_edited=”off|desktop” _builder_version=”4.26.0″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”40px” use_background_color_gradient=”on” background_color_gradient_overlays_image=”on” background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2024\/03\/investment-us-buerger.jpeg” background_enable_image=”on” width_tablet=”100vw” width_phone=”” width_last_edited=”on|phone” hover_enabled=”0″ header_font_size_tablet=”40px” header_font_size_phone=”33px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_transition=”on” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n [\/et_pb_slide][et_pb_slide heading=”Insurances for U.S. Citizens” content_tablet=”<\/p>\n Professional investment advice with modern portfolio strategies and personal support.<\/p>\n Learn more<\/a><\/p>\n Crisis preparedness<\/a><\/p>\n<\/div>\n ” content_phone=”Professional investment advice with modern portfolio strategies and personal support.<\/p>\n <\/p>\n Learn more<\/a><\/p>\n <\/p>\n Crisis preparedness<\/a><\/p>\n<\/div>\n ” content_last_edited=”off|desktop” _builder_version=”4.26.0″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”40px” use_background_color_gradient=”on” background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2024\/03\/versicherungen-expats-deutschland.jpg” background_enable_image=”on” background_position=”bottom_center” background_vertical_offset=”24%” custom_padding=”0px|0px|0px|0px|false|false” hover_enabled=”0″ header_font_size_tablet=”40px” header_font_size_phone=”33px” header_font_size_last_edited=”on|phone” custom_css_main_element=”background-position: 32%!important;” global_colors_info=”{}” sticky_transition=”on” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n [\/et_pb_slide][et_pb_slide heading=”Pensions for U.S. Citizens” content_tablet=”<\/p>\n Professional investment advice with modern portfolio strategies and personal support.<\/p>\n Learn more<\/a><\/p>\n Crisis preparedness<\/a><\/p>\n<\/div>\n ” content_phone=”Professional investment advice with modern portfolio strategies and personal support.<\/p>\n <\/p>\n Learn more<\/a><\/p>\n <\/p>\n Crisis preparedness<\/a><\/p>\n<\/div>\n ” content_last_edited=”off|desktop” _builder_version=”4.26.0″ _module_preset=”default” header_level=”h1″ header_font=”|600|||||||” header_font_size=”40px” background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2024\/03\/rentenversicherung-us-buerger-deutschland.jpg” background_enable_image=”on” background_position=”bottom_center” background_vertical_offset=”100%” hover_enabled=”0″ header_font_size_tablet=”40px” header_font_size_phone=”33px” header_font_size_last_edited=”on|phone” custom_css_main_element=”background-position: 29%!important;” global_colors_info=”{}” sticky_transition=”on” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n [\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Bekannt aus” _builder_version=”4.25.1″ _module_preset=”default” z_index=”1″ width=”100vw” max_width=”100vw” custom_padding=”21px||29px|||” global_module=”1674″ collapsed=”on” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”Subheading” _builder_version=”4.23.1″ _module_preset=”default” min_height=”43.8px” custom_padding=”4px||1px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” header_3_font=”||||||||” min_height=”30.8px” custom_margin=”2px||2px|||” custom_padding=”0px||1px|||” global_colors_info=”{%22gcid-0942ff33-435f-4acf-be20-75fbc17fee3f%22:%91%22dsm_modules_overlay_background%22%93}” theme_builder_area=”post_content”]<\/p>\n As seen in<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” admin_label=”Media labels” _builder_version=”4.23.1″ _module_preset=”default” custom_margin=”-10px|auto||auto||” custom_padding=”7px||24px|||” filter_opacity=”60%” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_phone=” display: grid; || grid-template-columns: 1fr 1fr; || grid-gap: 20px; ” theme_builder_area=”post_content”][et_pb_column type=”1_5″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” theme_builder_area=”post_content”][et_pb_image title_text=”Forbes-Transparent” _builder_version=”4.22.2″ _module_preset=”745325a3-0c1d-4f15-8e96-cf9f3c3f41d6″ background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/forbes-transparent.png” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” theme_builder_area=”post_content”][et_pb_image title_text=”SAT1_BM_MAGENTA_CMYK” _builder_version=”4.22.2″ _module_preset=”745325a3-0c1d-4f15-8e96-cf9f3c3f41d6″ background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/sat1-sw.jpg” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” height=”50px” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” theme_builder_area=”post_content”][et_pb_image title_text=”Google SW” _builder_version=”4.21.2″ _module_preset=”745325a3-0c1d-4f15-8e96-cf9f3c3f41d6″ background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/google-sw.jpg” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” height=”50px” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image title_text=”logo-whofinance sw” _builder_version=”4.21.2″ _module_preset=”745325a3-0c1d-4f15-8e96-cf9f3c3f41d6″ background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/logo-whofinance-sw.png” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image title_text=”provenexpert sw” _builder_version=”4.21.2″ _module_preset=”745325a3-0c1d-4f15-8e96-cf9f3c3f41d6″ background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/provenexpert-sw.png” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”about” _builder_version=”4.22.2″ _module_preset=”abe08dcc-9984-49d6-84b4-46db8d3432ce” use_background_color_gradient=”off” background_enable_image=”off” z_index=”1″ custom_margin=”0px||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”-80px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||3em||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”||||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”3_5″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text content_tablet=”<\/p>\n <\/span><\/p>\n The financial markets are constantly evolving and changing. Especially in recent years, the volatility of the financial markets has increased dramatically. It therefore seems impossible for borrowers to manage their own assets in the complex structures of the financial markets. Professional management helps to maintain an overview and invest the money profitably.<\/span><\/p>\n Thanks to our independence, you can be sure that you will always receive objective support. For us, goal-oriented investment advice means an intensive dialogue between investor and asset creator as the basis for a successful investment and long-term cooperation.<\/span><\/span><\/p>\n Especially in uncertain, turbulent times with a volatile stock market, a broad diversification of different asset classes is the best basis for a stable performance of your assets. That's why we focus on asset growth and wealth preservation in order to significantly reduce potential losses in the event of stock market downturns.<\/span><\/p>\n The final investment strategy is developed according to your personal risk requirements, your life situation and your goals. We manage your asset portfolio actively, intelligently and personally.<\/span><\/p>\n <\/span><\/p>\n ” content_phone=”<\/p>\n <\/span><\/p>\n The financial markets are constantly evolving and changing. Especially in recent years, the volatility of the financial markets has increased dramatically. For laymen, it therefore seems impossible to manage one's own assets in the complex structures of the financial markets. Professional management helps to maintain an overview and invest the money profitably.<\/span><\/p>\n Thanks to our independence, you can be sure that you will always receive objective support. For us, goal-oriented and independent financial advice means an intensive dialogue between investor and asset creator as the basis for a successful investment and long-term cooperation.<\/span><\/span><\/p>\n Especially in uncertain, turbulent times with a volatile stock market, a broad diversification of different asset classes is the best basis for a stable performance of your assets. That's why we focus on asset growth and asset protection in order<\/span>to significantly<\/span> reduce possible losses in the event of stock market collapses.<\/span><\/p>\n The final investment strategy is developed according to your personal risk requirements, your life situation and your goals. We manage your asset portfolio actively, intelligently and personally.<\/span><\/p>\n <\/span><\/p>\n ” content_last_edited=”off|tablet” _builder_version=”4.25.2″ _module_preset=”_initial” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_css_main_element=”flex-basis: 30%;” saved_tabs=”all” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n <\/strong><\/p>\n A guide through the different tax and financial systems of both countries: As an independent and professional investment advisor, we support you in making the best decisions for your finances and insurance.<\/strong><\/p>\n With our specific expertise on US citizens in Germany, we develop individual tax-optimized concepts for wealth management, asset protection and pension planning. In addition, we help you with a holistic consulting approach to ensure optimal protection for yourself and your family.<\/p>\n Thanks to our independence, U.S. citizens & expats always enjoy receiving objective and independent financial advice with Smarter Finance. For us, goal-oriented and transparent financial advice means an intensive dialogue between investor and asset designer as the basis for successful capital investment and long-term cooperation.<\/span><\/span><\/p>\n In cooperation with our client, we develop a holistic and sustainable financial plan that allows US citizens and expats to navigate safely through the great ocean of the financial world. The final investment strategy is developed according to your personal risk requirements, your life situation and your goals. We manage your asset portfolio intelligently, security-oriented and personally.<\/span><\/p>\n As a trailblazer and companion, we maintain regular and close contact with our customers, continuously compare the status and adjust the concepts when the life situation, the wishes or the market situation changes.<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/DANIEL_Business-1-925×1024.png” title_text=”DANIEL_Business” _builder_version=”4.22.1″ _module_preset=”default” height=”350px” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_button button_url=”#contact” button_text=”Contact” _builder_version=”4.22.2″ _module_preset=”ea6d01a2-bba1-412a-9032-0fc490a401ff” global_colors_info=”{%22gcid-0942ff33-435f-4acf-be20-75fbc17fee3f%22:%91%22button_border_color%22,%22button_text_color%22%93}” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/Signature.png” title_text=”Signature” _builder_version=”4.22.0″ _module_preset=”default” min_height_tablet=”” min_height_phone=”” min_height_last_edited=”on|tablet” height=”148px” height_tablet=”130px” height_phone=”130px” height_last_edited=”on|desktop” custom_margin=”|125px|0px||false|false” custom_padding=”|15px|0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.21.2″ _module_preset=”781437f2-969f-45f3-a2ea-9d22a7cc298a” header_3_font=”||||||||” background_color=”#FFFFFF” background_enable_color=”on” width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” module_alignment=”center” custom_padding=”|||0px||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n <\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.22.2″ _module_preset=”default” custom_css_main_element=”display: flex;||justify-content: center;||align: center;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_button button_url=”#contact” button_text=”Contact” disabled_on=”off|off|on” _builder_version=”4.22.2″ _module_preset=”default” button_text_color=”gcid-0942ff33-435f-4acf-be20-75fbc17fee3f” button_border_color=”gcid-0942ff33-435f-4acf-be20-75fbc17fee3f” global_colors_info=”{%22gcid-1154832f-a7c9-4e37-8a30-8dfc1ab82d5b%22:%91%22button_bg_color__hover%22%93,%22gcid-0942ff33-435f-4acf-be20-75fbc17fee3f%22:%91%22button_border_color%22,%22button_text_color%22%93}” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#FFFFFF” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”rgba(12,113,195,0.5)” button_bg_enable_color__hover=”on” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.21.2″ _module_preset=”default” background_color=”gcid-815ebb39-646b-4c9a-a3e8-ce9c4b7f9e47″ z_index=”1″ global_module=”1809″ saved_tabs=”all” global_colors_info=”{%22gcid-815ebb39-646b-4c9a-a3e8-ce9c4b7f9e47%22:%91%22background_color%22%93}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.22.1″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_width=”40px” _builder_version=”4.23″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Diversification<\/span><\/strong><\/p>\n Maximum risk diversification through global multi-asset allocation from illiquid investments, such as real estate and real assets, to liquid investments such as funds, ETFs, precious metals or bonds.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”U||divi||400″ icon_color=”#FFFFFF” icon_width=”50px” _builder_version=”4.21.2″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n You will receive personal online access via modern software solutions. Regular reports and direct access to your portfolios give you maximum control and full transparency.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_width=”50px” align=”left” _builder_version=”4.21.2″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Sustainable<\/strong><\/span><\/p>\n Sustainability<\/span>criteria are playing an increasingly important role in our market analyses. They complement the cornerstones of our investment consisting of sound analysis and consistent risk management.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_width=”50px” _builder_version=”4.21.2″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Low cost<\/span><\/strong><\/p>\n We pay attention to low service and management costs through the addition of exchange-traded funds (ETFs) and strategic partnerships with alternative investment products. In this way, their financial capital is preserved.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||divi||400″ icon_color=”#FFFFFF” icon_width=”50px” _builder_version=”4.21.2″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Safety<\/span><\/strong><\/p>\n We always design our portfolios with a hedging strategy. This serves primarily as a precaution against crises and extreme market fluctuations. If our experts give the green light, we trigger the security strategy partially or completely.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”display:flex;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FFFFFF” icon_width=”40px” _builder_version=”4.23″ _module_preset=”default” custom_margin=”|15px|||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.21.2″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_3_font=”||||||||” custom_padding=”||0px|||” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Service<\/span><\/strong><\/p>\n You will receive personal and independent financial advice as well as regular adjustment and long-term support of your wealth concept. If you have any questions, our experts are always at your side.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.26.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″ module_id=”financial-advice-us-citizens-expats”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Two countries, two systems: For U.S. citizens in Germany, tax matters are accompanied by high bureaucratic hurdles.<\/p>\n The tax systems between the U.S. and Germany differ significantly. In the U.S., the focus is on the global income concept, while in Germany, the residency principle applies. U.S. citizens are required to report income globally and may have to pay taxes in both countries. Due to our focus on expats in Germany, we act as expert advisors and help them understand differences and take them into account in their financial planning.<\/p>\n Aspects such as reporting obligations for international transfers and compliance with anti-money laundering regulations are crucial. With our advice, U.S. citizens avoid legal and financial consequences for their investments.<\/p>\n [\/et_pb_text][et_pb_button button_url=”#contact” button_text=”Get to know us” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|phone” _builder_version=”4.25.2″ _module_preset=”default” button_text_color=”gcid-0942ff33-435f-4acf-be20-75fbc17fee3f” button_border_color=”gcid-0942ff33-435f-4acf-be20-75fbc17fee3f” global_colors_info=”{%22gcid-1154832f-a7c9-4e37-8a30-8dfc1ab82d5b%22:%91%22button_bg_color__hover%22%93,%22gcid-0942ff33-435f-4acf-be20-75fbc17fee3f%22:%91%22button_border_color%22,%22button_text_color%22%93}” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#FFFFFF” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”rgba(12,113,195,0.5)” button_bg_enable_color__hover=”on” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561″ _builder_version=”4.24.2″ _module_preset=”a5c78a9a-0c89-406f-a3a4-bad902b24db0″ global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22icon_color%22%93}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.25.1″ _module_preset=”781437f2-969f-45f3-a2ea-9d22a7cc298a” header_3_font=”|600|||||||” background_color=”#FFFFFF” background_enable_color=”on” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n We support U.S. citizens in meeting the requirements of both countries and reducing payment burdens to a minimum. In the end, this leaves more buffer to continue working on asset accumulation and to secure savings.<\/p>\n [\/et_pb_text][et_pb_icon font_icon=”||fa||900″ icon_color=”gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561″ _builder_version=”4.21.2″ _module_preset=”a5c78a9a-0c89-406f-a3a4-bad902b24db0″ global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22icon_color%22%93}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.24.2″ _module_preset=”781437f2-969f-45f3-a2ea-9d22a7cc298a” header_3_font=”|600|||||||” background_color=”#FFFFFF” background_enable_color=”on” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Despite the different structures of the pension systems, U.S. citizens in Germany can benefit from the advantages of German retirement provision. Even with a temporary stay, there are attractive opportunities.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_icon font_icon=”||fa||900″ icon_color=”gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561″ _builder_version=”4.24.2″ _module_preset=”a5c78a9a-0c89-406f-a3a4-bad902b24db0″ global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22icon_color%22%93}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.24.2″ _module_preset=”781437f2-969f-45f3-a2ea-9d22a7cc298a” header_3_font=”|600|||||||” background_color=”#FFFFFF” background_enable_color=”on” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Know how. If you don’t have the opportunity to invest in ETFs and mutual funds, then we have the alternatives for you as an American. Contact us today to learn more.<\/p>\n [\/et_pb_text][et_pb_icon font_icon=”||fa||900″ icon_color=”gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561″ _builder_version=”4.21.2″ _module_preset=”a5c78a9a-0c89-406f-a3a4-bad902b24db0″ global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22icon_color%22%93}” theme_builder_area=”post_content”][\/et_pb_icon][et_pb_text _builder_version=”4.24.2″ _module_preset=”781437f2-969f-45f3-a2ea-9d22a7cc298a” header_3_font=”|600|||||||” background_color=”#FFFFFF” background_enable_color=”on” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n We support U.S. citizens in meeting the requirements of both countries and reducing payment burdens to a minimum. In the end, this leaves more buffer to continue working on asset accumulation and to secure savings.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Sektion” _builder_version=”4.26.0″ _module_preset=”default” z_index=”1″ custom_margin=”|0px|||false|false” custom_padding=”0px|0px|0px||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.25.1″ _module_preset=”default” background_color=”gcid-31e4161e-6cfe-4ba4-8306-d5c9b24c3a79″ width=”100%” max_width=”2560px” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{%22gcid-31e4161e-6cfe-4ba4-8306-d5c9b24c3a79%22:%91%22background_color%22%93}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.25.1″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/smarter-investment.de\/wp-content\/uploads\/2023\/08\/silber-scaled-e1692121809513.jpg” custom_padding=”|12%||0em|false|false” custom_padding_tablet=”|2em||2em|false|true” custom_padding_phone=”|2em||2em|false|true” custom_padding_last_edited=”on|tablet” global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22background_color%22%93}” theme_builder_area=”post_content”][et_pb_divider show_divider=”off” _builder_version=”4.23.1″ _module_preset=”c76c4f82-33e3-4239-acf0-27a8c3fae3ad” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.25.1″ _module_preset=”default” background_enable_color=”off” custom_padding=”2em|10%|2em|2em|true|false” custom_padding_tablet=”|0em||0em|true|false” custom_padding_phone=”|0em|||true|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{%22gcid-a2ad28b5-d28e-4d1e-9e4d-81a3653a5561%22:%91%22background_color%22%93}” custom_css_main_element_last_edited=”off|desktop” theme_builder_area=”post_content”][et_pb_text content_tablet=”<\/p>\n The only thing that is certain today is uncertainty! We live in a time when investors hardly receive any interest on their savings at the bank, when government bonds have lost security and yields, when inflation eats up all monetary values and insidiously destroys them. This is a time when life and pension insurance policies that were believed to be secure are no longer generating their promised returns, the guaranteed interest rate is approaching zero, and for many investment products and investments, the risks far outweigh the rewards.<\/p>\n As an independent wealth creator<\/strong>, we work with secure, tax-optimized investment solutions. In this context, we cooperate with a special commodity depot in Switzerland and mainly store our clients' gold and silver investments here.<\/p>\n Gold has always been stable in value and will remain so in the future. People have always been willing to pay a high price for the shiny precious metal. In contrast to today's unbacked fiat currencies, gold and other precious metals are still excellently suited as tangible assets for real wealth preservation.<\/p>\n ” content_phone=”<\/p>\n The only thing that is certain today is uncertainty! We live in a time when investors hardly receive any interest on their savings at the bank, when government bonds have lost security and yields, when inflation eats up all monetary values and insidiously destroys them. This is a time when life and pension insurance policies that were believed to be secure are no longer generating their promised returns, the guaranteed interest rate is approaching zero, and for many investment products and investments, the risks far outweigh the rewards.<\/p>\n As an independent wealth creator<\/strong>, we work with secure, tax-optimized investment solutions. In this context, we cooperate with a special commodity depot in Switzerland and mainly store our clients' gold and silver investments here.<\/p>\n Gold has always been stable in value and will remain so in the future. People have always been willing to pay a high price for the shiny precious metal. In contrast to today's unbacked fiat currencies, gold and other precious metals are still excellently suited as tangible assets for real wealth preservation.<\/span><\/p>\n ” content_last_edited=”off|tablet” _builder_version=”4.25.1″ _module_preset=”4e046fa5-6f3d-4d93-b983-828adbf863e8″ header_2_font=”|700|||||||” header_2_text_align=”left” header_2_line_height=”1.3em” header_3_font=”||||||||” width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”0px||0px||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||2em||false|false” saved_tabs=”all” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n The only thing that is certain today is uncertainty! We live in a time when investors hardly receive any interest on their savings at the bank. Government bonds have also lost security and yields, inflation is eating away monetary values and insidiously destroying them. This is a time when life and pension insurance policies that were believed to be secure are no longer generating their promised returns, the guaranteed interest rate is approaching zero and, for many investment products and investments, the risks far outweigh the rewards.<\/p>\n As an independent wealth creator<\/strong>, we work with secure, tax-optimized investment solutions. In this context, we cooperate with a special commodity depot in Switzerland and mainly store our clients’ gold and silver investments here.<\/p>\n Gold has always been stable in value and will remain so in the future. People have always been willing to pay a high price for the shiny precious metal. In contrast to today’s unbacked fiat currencies, gold and other precious metals are still excellently suited as tangible assets for real wealth preservation.<\/span><\/p>\n [\/et_pb_text][et_pb_button button_url=”#contact” button_text=”Contact” button_alignment_tablet=”” button_alignment_phone=”center” button_alignment_last_edited=”on|tablet” disabled_on=”off|off|off” _builder_version=”4.25.1″ _module_preset=”ea6d01a2-bba1-412a-9032-0fc490a401ff” button_text_color=”#FFFFFF” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{%22gcid-1154832f-a7c9-4e37-8a30-8dfc1ab82d5b%22:%91%22button_bg_color__hover%22%93,%22gcid-0942ff33-435f-4acf-be20-75fbc17fee3f%22:%91%22button_border_color%22,%22button_border_color%22%93}” button_text_color__hover_enabled=”off|desktop” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.25.1″ _module_preset=”default” background_color=”gcid-31e4161e-6cfe-4ba4-8306-d5c9b24c3a79″ width=”100%” max_width=”2560px” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px||0px|false|false” global_colors_info=”{%22gcid-31e4161e-6cfe-4ba4-8306-d5c9b24c3a79%22:%91%22background_color%22%93}” theme_builder_area=”post_content”][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” background_enable_color=”off” custom_padding=”2em|2em|2em|2em|true|false” custom_padding_tablet=”|2em|||true|false” custom_padding_phone=”|0em||0px|true|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_video src=”https:\/\/youtu.be\/OXSCvt3-8g4″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_video][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”|10%||0em|false|false” custom_padding_tablet=”|2em||2em|false|false” custom_padding_phone=”|0em||0em|false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_text_color=”#FFFFFF” header_3_text_color=”#FFFFFF” width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n The SOLIT Group is a leading provider of precious metals investment and asset protection based in Germany. With over a decade of experience, SOLIT offers tailor-made solutions for retail clients and institutional investors. The services include trading in gold, silver, platinum and palladium, secure storage facilities and comprehensive advice. SOLIT stands for trust, quality and expertise and supports customers in protecting and growing their assets through crisis-proof and stable investments.<\/p>\n<\/div>\n [\/et_pb_text][et_pb_text content_tablet=”Our promise:<\/span><\/span><\/p>\n <\/span><\/span><\/p>\n ” content_phone=”<\/p>\n The only thing that is certain today is uncertainty! We live in a time when investors hardly receive any interest on their savings at the bank, when government bonds have lost security and yields, when inflation eats up all monetary values and insidiously destroys them. This is a time when life and pension insurance policies that were believed to be secure are no longer generating their promised returns, the guaranteed interest rate is approaching zero, and for many investment products and investments, the risks far outweigh the rewards.<\/p>\n As an independent wealth creator<\/strong>, we work with secure, tax-optimized investment solutions. In this context, we cooperate with a special commodity depot in Switzerland and mainly store our clients' gold and silver investments here.<\/p>\n Gold has always been stable in value and will remain so in the future. People have always been willing to pay a high price for the shiny precious metal. In contrast to today's unbacked fiat currencies, gold and other precious metals are still excellently suited as tangible assets for real wealth preservation.<\/p>\n Watch the video to learn more about our partner SOLIT:<\/p>\nProfessional investment advice with modern portfolio strategies and personal support.<\/h3>\n<\/p>\n
Professional financial advice on stock portfolios<\/h3>\n
Individual solutions<\/a><\/div>\nIndependent agency with a large selection of providers<\/h3>\n
Individual solutions<\/a><\/div>\nIndividual advice with tailor-made pension concepts<\/h3>\n
\nIndividual solutions<\/a><\/div>\nSmart wealth management at the highest level<\/h2>\n
Smart wealth management at the highest level<\/h2>\n
Smart financial advice for US citizens and expats<\/h2>\n
<\/h4>\n
<\/h4>\n
Daniel Charles Bossenz<\/h4>\n
Managing Director of Smarter Finance 24 GmbH<\/h6>\n
Our Investment Philosophy<\/h2>\n
Transparency<\/strong><\/span><\/h2>\n
Holistic Financial Advice for U.S. Citizens<\/h2>\n
Tax matters<\/h3>\n
Retirement provision<\/h3>\n
Alternative Investments<\/h3>\n
Insurance<\/h3>\n
Bank-independent, highly secure custody of precious metals<\/h2>\n
Bank-independent, highly secure custody of precious metals<\/h2>\n
Bank-independent, highly secure custody of precious metals<\/span><\/h2>\n
Why we rely on SOLIT<\/h3>\n
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Bank-independent, highly secure custody of precious metals<\/h2>\n