Consultation Process
1
1.Meet and Greet
Understanding Your Vision:
Tell us about your goals, your wishes, and the challenges you wish to overcome on your journey in Germany.
Introducing Our Approach:
We’ll share who we are, what makes our perspective unique, and how we will support you in architecting your financial future.
Ensuring Full Transparency:
You will learn exactly how our consulting is billed. We believe in clear and honest communication with no hidden costs or surprises.
Charting Your Course:
Together, we will outline the next steps and establish a clear, actionable plan to move toward your goals.
Consultation Process
2
2.Orientation Meet
Analyzing Your Current Standing:
We take a comprehensive look at your present financial situation to create the strongest possible foundation for your plan.
Empowering Through Knowledge:
We provide clear and understandable insights into the German financial market, empowering you to make confident, informed decisions.
Making Your Goals a Reality:
We will show you the specific, practical steps required to turn your financial wishes and long-term goals into tangible results.
Consultation Process
3
3.Solution Meet
Presenting Your Tailor-Made Blueprint:
We will discuss the financial concept we've designed for you. Together, we will refine this blueprint until it perfectly aligns with your vision and personal situation.
Consultation Process
4
4.Vision Meet
Introducing Your Digital Client Folder:
We will guide you through your personal digital folder, showing you how it works and ensuring you can easily access everything you need.
Planning for the Future:
We take this time to provide feedback on any *existing insurance policies* and collaboratively plan the next steps, ensuring we continue to support your evolving goals.
DIN 77230-certified consulting software as a seal of quality
A standard developed by independent experts, consumer activists, and scientists covers up to 42 relevant financial topics in the areas of insurance, retirement planning and asset planning, ensuring that all important aspects of personal finances are systematically and comprehensively addressed, thereby enhancing the transparency and quality of consulting services.
Why Karmartha?
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Excellent asset management strategies
A good investment is more than just a cheap fund or a combination of individual ETFs. According to comparisons by Morningstar and WirtschaftsWoche, our partners consistently rank among the top 5 asset managers in Germany. A scientific study even confirms the quality of their portfolios, describing them as “mathematically almost without alternative.
Why Karmartha?
Comprehensive market overview
In our comparisons, we also take into account providers that independent insurance brokers do not carry in their regular product portfolio and give you access to special products that are only made possible through specially selected cooperation partners and are currently still rarely available on the market.
Why Karmartha?
Insurance and bank-independent financial mathematical assessment
The calculation tool was developed from recognized actuaries, insurance and financial mathematicians.
Since its launch, over 15,000 product checks have been carried out to assess plausibility and suitability. An average customer return of only approx. 2.5% p.a. was determined.
We use this software to evaluate financial investments such as stock portfolios and pension contracts.
Why Karmartha?
Our Partners
Certified financial planners for a comprehensive strategy
Certified insurance specialists and brokers to ensure your risks are covered
Financial mathematicians (actuaries) and scientists (graduate statisticians) for well-founded analyses and models.
Investment and capital investment experts to maximize your returns. According to Morningstar and WirtschaftsWoche, they consistently rank among the top 5 asset managers in Germany.
Real estate experts (developers and real estate agents) for property investments.
Financing experts for the realization of your real estate projects
National and international tax advisors and accountants for tax-efficient implementation
Why Karmartha?
Personal, Tax-Optimized and Fully Integrated Financial Advice
for the Indian Community
in Germany & back Home
At Karmartha, we help you identify your true priorities by scrutinizing you and your situation down to the smallest detail. This allows us to explain the important aspects of your situation and focus on what should really matter to you, rather than what you are told you should believe.
Consultation Process
1
2
3
4
1
Introductory Meeting
-
Introduction of the company incl. employees/cooperations/services/USPs
-
Presentation of the consultation process
-
Presentation of billing opportunities
1
Introductory Meeting
-
Introduction of the company incl. employees/cooperations/services/USPs
-
Presentation of the consultation process
-
Presentation of billing opportunities
2
Orientation Meeting
-
Discussion of the current situation incl. wishes & goals
-
General knowledge transfer about the financial market
-
Results of the contract check incl. calculations
3
Solution Meeting
-
Discussion of the concept (comparison of current vs. potential situation)
-
Decision on implementation
-
Signing
4
Service Meeting
-
Discussion of the documents received
-
Introduction to the digital client folder
-
Further meetings on individual topics
(e.g., real estate)
We will be with you throughout every step in your journey from the beginning to continuous support with transparent cost and timelines
Qualifications at a glance
In Germany
-
Financial Advisor & Insurance Broker
(§ 34d GewO)
Our Partners: -
Financial investment advisor
(§ 34f + § 34h GewO) -
Property developer and Real estate agent (§ 34c GewO)
-
Real estate loan broker (§ 34i GewO)
In India
-
Chartered Financial Analyst (CFA)
-
Chartered Tax Advisor (CTA)
We Support You In
Securing essential matters
-
Personal liability insurance
-
Legal protection insurance
-
Death coverage
-
Health insurance
-
Accident coverage
-
Disability coverage
-
Long-term care coverage
Securing your possessions
-
Household contents
-
Home ownership
-
Vehicles
-
Animals
Building your own financial wealth
-
Structuring bank accounts
-
Flexible deposits/
Fixed-term deposits -
Precious metals
(gold, silver, etc.) -
Stock portfolios/ ETF portfolios
-
Pensions (layer 1, 2 & 3)
-
Real estate investments
Service Name
Service Name
Service Name
Submit your existing contracts
and if we cannot provide a better offer,
win a free trip to India
DIN 77230 Certified Consulting Software
as a Seal of Quality
A standard developed by independent experts, consumer advocates, and scientists, covers up to 42 relevant financial topics in the areas of protection, provision, and asset planning. It ensures that all important aspects of personal finances are systematically and comprehensively examined, thereby strengthening the transparency and quality of the advice.
Our Partners
-
Certified Financial Planners for a holistic strategy
-
Certified Insurance Specialists and Merchants for hedging your risks
-
Financial Mathematicians (Actuaries) and Scientists (Graduate Statisticians) for well-founded analyses and models
-
Investment and Capital Investment Experts for the optimization of your returns. Compared by Morningstar & WirtschaftsWoche, they are consistently among the top 5 asset managers in Germany.
-
Real Estate Experts (Developers and Real Estate Agents) for investments in tangible assets
-
Financing Experts for the realization of your projects
-
National and International Tax Advisors and Accountants for tax-efficient implementation
Independent Financial Mathematical Expertise
from Insurance and Banking
Guidance on buying property, from financing and inspection to final contracts
Independent
Insurance Advice
Truly unbiased comparisons of all public and private options to find your perfect fit
Expat
Onboarding Support
We help with the practical steps, from finding accommodation to navigating bureaucracy
The
Cultural Bridge
We are one of you.
We've walked the same path and understand the cultural nuances and challenges you face
Uncompromising Independence
Our advice is 100% independent.
We compare the entire market to find
the best solution for you, not for a commission
A 360°
Partnership
We go the extra mile.
From negotiations to paperwork, we manage the entire process so you can focus on your life
A Partner You Can
Truly Trust
Your Complete Financial Blueprint
for Germany
Holistic
Financial Planning
From your first payslip to long-term wealth,
we create a single, integrated plan
Strategic
Real Estate
Guidance on buying property, from financing and inspection to final contracts
Independent
Insurance Advice
Truly unbiased comparisons of all public and private options to find your perfect fit
Expat
Onboarding Support
We help with the practical steps, from finding accommodation to navigating bureaucracy
Consultation Process
1
1.Meet and Greet
Understanding Your Vision:
Tell us about your goals, your wishes, and the challenges you wish to overcome on your journey in Germany.
Introducing Our Approach:
We’ll share who we are, what makes our perspective unique, and how we will support you in architecting your financial future.
Ensuring Full Transparency:
You will learn exactly how our consulting is billed. We believe in clear and honest communication with no hidden costs or surprises.
Charting Your Course:
Together, we will outline the next steps and establish a clear, actionable plan to move toward your goals.
Let's Chat
2
2.Orientation Meet
Analyzing Your Current Standing:
We take a comprehensive look at your present financial situation to create the strongest possible foundation for your plan.
Empowering Through Knowledge:
We provide clear and understandable insights into the German financial market, empowering you to make confident, informed decisions.
Making Your Goals a Reality:
We will show you the specific, practical steps required to turn your financial wishes and long-term goals into tangible results.
Submit Your Contracts
disclaimer: if we cannot make a better proposal, win a free Trip to India.
4
4.Vision Meet
Introducing Your Digital Client Folder:
We will guide you through your personal digital folder, showing you how it works and ensuring you can easily access everything you need.
Planning for the Future:
We take this time to provide feedback on any *existing insurance policies* and collaboratively plan the next steps, ensuring we continue to support your evolving goals.
Let's Chat
Holistic
Financial Planning
From your first payslip to long-term wealth,
we create a single, integrated plan
Strategic
Real Estate
Guidance on buying property, from financing and inspection to final contracts
Independent
Insurance Advice
Truly unbiased comparisons of all public and private options to find your perfect fit
Expat
Onboarding Support
We help with the practical steps, from finding accommodation to navigating bureaucracy
The
Cultural Bridge
We are one of you.
We've walked the same path and understand the cultural nuances and challenges you face
Uncompromising Independence
Our advice is 100% independent.
We compare the entire market to find
the best solution for you, not for a commission
A 360°
Partnership
We go the extra mile.
From negotiations to paperwork, we manage the entire process so you can focus on your life
A Partner You Can
Truly Trust
Your Financial Success +
Expertise from us and our partners
-
Financial Advisor & Insurance Broker (§ 34d GewO) & excellent Asset Manager (§ 34h GewO) - Germany
-
Chartered Financial Analyst (CFA) &
Chartered Tax Advisor (CTA) - India -
Property developer and Real estate agent (§ 34c GewO) & real estate loan broker (§ 34i GewO) - Germany
Our Services
Your Financial Success +
Expertise from us and our partners
-
Financial Advisor & Insurance Broker (§ 34d GewO) & excellent Asset Manager (§ 34h GewO) - Germany
-
Chartered Financial Analyst (CFA) &Chartered Tax Advisor (CTA) - India
-
Property developer and Real estate agent (§ 34c GewO) & real estate loan broker (§ 34i GewO) - Germany
We support you
in securing essential matters
-
Personal liability insurance
-
Legal protection insurance
-
Death coverage
-
Health insurance
-
Accident coverage
-
Disability coverage
-
Long-term care coverage
We support you
in securing your possessions
-
Household contents
-
Home ownership
-
Vehicles
-
Animals
We support you in building up your own or
your family's short-, medium-, and long-term wealth
-
Structuring bank accounts
-
Flexible deposits/ Fixed-term deposits
-
Precious metals (gold, silver, etc.)
-
Stock portfolio/ ETF portfolio
-
Pensions (layer 1, 2 & 3)
-
Real estate investments
Our Services
Your Financial Success + Expertise from us and our partners
-
Financial Advisor & Insurance Broker (§ 34d GewO) & excellent Asset Manager (§ 34h GewO) - Germany
-
Chartered Financial Analyst (CFA) & Chartered Tax Advisor (CTA) - India
-
Property developer and Real estate agent (§ 34c GewO) & real estate loan broker (§ 34i GewO) - Germany
Our Products
This is the space to introduce the Product section and showcase the types of products available.
Our Products
This is the space to introduce the Product section and showcase the types of products available.
Our Products
This is the space to introduce the Product section and showcase the types of products available.
Our Products
This is the space to introduce the Product section and showcase the types of products available.
Our Services
Your Financial Success + Expertise from us and our partners
We support you in securing your possessions
We support you in securing essential matters
We support you in building up your own or your family's wealth
different countries,
different goals,
ONE FINANCIAL PLAN
JUST FOR YOU
At Karmartha, we design holistic financial strategies to build and protect your wealth in both Germany and India.
We use deep market insights to craft a comprehensive plan that aligns your insurance, investments, and tax efficiency.
We ensure your assets work together as a synchronized system, instead of isolated products. Transparent fees. Mathematical proof. Your interests first.
Consultation Process
1
2
3
4
1
Introductory Meeting
-
Introduction of the company incl. employees/cooperations/services/USPs
-
Presentation of the consultation process
-
Presentation of billing opportunities
1
Introductory Meeting
-
Introduction of the company incl. employees/cooperations/services/USPs
-
Presentation of the consultation process
-
Presentation of billing opportunities
2
Orientation Meeting
-
Discussion of the current situation incl. wishes & goals
-
General knowledge transfer about the financial market
-
Results of the contract check incl. calculations
3
Solution Meeting
-
Discussion of the concept (comparison of current vs. potential situation)
-
Decision on implementation
-
Signing
4
Service Meeting
-
Discussion of the documents received
-
Introduction to the digital client folder
-
Further meetings on individual topics
(e.g., real estate)
We will be with you throughout every step in your journey from the beginning to continuous support with transparent cost and timelines
Understand your mandatory and most important insurances required for you to have a safe stay in Germany
Securing Essential
Insurances in Germany
We provide hands-on, personal support through a result-driven blueprint that unites your financial goals.
This tailored strategy is built to deliver, whether you're starting small or beginning with a large portfolio.
Our Services
We provide specific expert consultation at every stage and requirements
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I am currently switching to Private Health Insurance, which is a bureaucratic nightmare. Erik is taking the weight off my shoulders right now. We are going through the anonymous risk inquiries together...
Sanket
Starting my financial journey in Germany brought up a million questions. What sets Karmartha apart during this setup phase is simply Erik. He doesn't just send contracts; he is guiding me through the chaos.
Ashish
We just finished the audit of my current situation using his analysis software. The level of detail Erik provided was an eye-opener. He didn't try to sell me a quick product; he showed me the gaps in my current setup regarding taxes and inflation.
Amrita
I decided to move my existing portfolio to Karmartha because my old advice felt transactional. The onboarding with Erik operates on a different level. Switching to him was the best decision to get a fresh, professional start.
Kaan
As new parents, my partner and I finally decided to tackle our existential protection (term life insurance). We were about to sign a standard contract online when we met Karmartha. That meeting saved us a fortune...
Ray
I came to Karmartha just for a second opinion on my existing insurances. I assumed I was well-covered, but I wanted to be sure. What impressed me was their access to the entire market via professional comparison software.
Alex
Fresh out of university, I wanted to go all-in on investments and ETFs immediately. Karmartha hit the brakes—for my own good. They taught me that patience and structure come before profit.
Leon
We are currently in the process of setting up my financial foundation. I actually wanted to jump straight into high-risk investments, but Erik advised me to slow down. He insisted on securing my basics first before taking risks.
Sidd
I started with zero knowledge about finance. Erik isn't treating me like a newbie; he is treating me like a future investor. He is taking the time to educate me on the basics before we even talk about specific products.
Kathi
The Buzz
about Us
out of our founding phase
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After seeing the costs of our previous pensions, it became clear to us that the quality of our investment decisions would determine our children's future. Our advisor's recommendation is based on a team of top experts whose success has been demonstrated and confirmed. We are happy to have found a reliable partner who will not only advise us once, but will hopefully accompany us over the coming decades and ensure that our family's wealth continues to grow.
Our advisor took all the time in the world! He explained every single step of our financial planning in detail. I was impressed.
Anusha
The Buzz about Us
out of our founding phase
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We wanted to save for our daughter's college education, but didn't know where to start. Instead of offering us products directly, our entire financial situation was examined in great detail. It was almost like a scientific study! The result was a tailor-made concept that reconciles our retirement planning and our children's savings goals. This unique planning gave us the certainty that our path was the right choice for our family and provides us with security should things not work out so well.
Deekshith
The Buzz about Us
out of our founding phase
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My advisor was incredibly committed! The entire concept felt truly tailored to my needs, and I had the impression that every one of my concerns was taken seriously. He used his knowledge to put himself in my shoes and imagine what could happen at any given moment. I've never experienced anything like that before. I know that I can rely on my contact person at all times and that he will keep my goals in mind. The meetings really made me reflect on many facets of my life.
Rachitha
The Buzz about Us
out of our founding phase
What impressed me most was that my advisor took the time to explain the world of finance to me in a way I could understand. He acted like a patient friend, guiding me through the complexities. Thanks to this personal support, I now feel confident and have gained a partner who supports me in making informed decisions for my future. Thank you!
Mithali
The Buzz about Us
out of our founding phase
For the first time, I truly felt like a partner and not a sales target. My advisor didn't force anything on me, but honestly explained how his work was paid for, so I knew his recommendations were purely for my benefit. The conversations were always relaxed and on an equal footing, so his openness immediately built genuine trust. And of course, we both enjoyed a cup of chai during the consultations. :)
Rizwan
The Buzz about Us
out of our founding phase
I found it particularly valuable that I received understandable explanations of the financial market and my situation in the first meeting. Thanks to the clear cost structure, I could choose how I wanted to pay for the consultation, which felt completely different from previous consultations I've had. Here, I wasn't just offered a "yes or no," but rather, they worked with me to find a solution in every respect to implement everything together.
Lohit
The Buzz about Us
out of our founding phase
The review of my entire financial situation was incredibly thorough and systematic. All important areas, such as insurance, private health insurance, and my investments, were covered. I was shown not just a quick comparison of estimates, but also an in-depth calculation of my contracts with real, verifiable figures. The result was a concept that was simply the best, logically and mathematically, because it perfectly matched my goals.
Ishaan
The Buzz about Us
out of our founding phase
I found it particularly valuable that I received understandable explanations of the financial market and my situation in the first meeting. Thanks to the clear cost structure, I could choose how I wanted to pay for the consultation, which felt completely different from previous consultations I've had. Here, I wasn't just offered a "yes or no," but rather, they worked with me to find a solution in every respect to implement everything together.
Aditi
The Buzz about Us
out of our founding phase
I quickly felt comfortable and in good hands because the advisor didn't try to sell me anything right away, but rather analyzed my entire situation first. The review was extremely detailed and transparently evaluated all my existing contracts. Instead of just estimates, I was presented with real figures, which gave me great confidence in the developed concept. Thank you!
Lakshmi
The Buzz about Us
out of our founding phase
The focus here wasn't on whether I would do something, but rather on how we could make my ideas a reality for me. My advisor explained everything clearly, clearly demonstrated from the very beginning how the consultation would be paid for, and mathematically justified the results. This gave me the certainty that the recommendations were truly the best for me, which is why I personally feel very well looked after.
Hitesh
The Buzz about Us
out of our founding phase
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I understood that for my retirement planning, not only the costs but, above all, the people who invest my money are important. The experts with whom this firm works are, as I was shown during the consultation, truly among the top addresses in Germany. Because I also received understandable financial knowledge in one of the meetings, I am convinced that my capital will grow excellently in the long term thanks to this proven, sound investment strategy. Thank you very much!
Ashish
The Buzz about Us
out of our founding phase
Good Karma Pays Off.
Why do we give
our marketing budget to you?
Most firms spend thousands on anonymous ads. We prefer to reward the people who actually know and trust our work. Join our exclusive partner circle. Help your network access honest, math-based financial advice, and receive up to 8.000€* per successful recommendation.
Building Your Bridge
to Germany
Your questions, answered
The German tax system can seem complex, but it’s also full of opportunities to get money back. It works differently, with factors like your tax class (Steuerklasse)—especially crucial for married couples—playing a big role. You can claim a wide range of work-related expenses. We provide expert guidance to demystify (simplify?) the system, identify every deduction you're entitled to, and help you maximize your tax refund.
Building wealth here means learning a new set of rules and opportunities. As your independent financial advisors, we help you look beyond familiar options and build a diversified portfolio aligned with your goals—whether that's saving for a down payment or planning for long-term growth. We focus on creating a holistic strategy that works for you in the German context and go to extra step.
Planning for retirement is vital, and the German pension system is multi-layered. We provide clear, simple explanations of the state, company, and private pension pillars. Our goal is to create a comprehensive retirement blueprint for you, ensuring your long-term financial security across both worlds also telling and showing you how things working and which provider is really the best on the market.
Absolutely. We built Karmartha precisely for this reason. We know how frustrating it is to discuss important financial matters in a language you're not completely comfortable with. Our entire service is in English, ensuring you feel heard, understood, and confident in every decision you make.
Yes. This is central to our promise of being a true partner. You will have a dedicated contact person at Kamartha who knows your story and your goals. No need to re-explain your situation to a different person each time. We build a long-term relationship based on consistency and trust.
You're not alone in feeling this—it's a notorious challenge. The German system has a strict 6-month rule and a rigorous conversion process involving a driving school (Fahrschule) and high standards for both theory and practical exams. We provide guidance on navigating this demanding but necessary process.
Job security is a natural concern when you're in a new country. We help you prepare for such possibilities with the right insurance and financial planning. Should it happen, we're here to help you understand your rights, navigate the process with the unemployment agency (Agentur für Arbeit), and ensure your financial plan is stable during the transition.
his is the heart of our "Cultural Bridge" philosophy. It’s about understanding German social and work etiquette—like direct communication and punctuality—while feeling confident in who you are. We share practical insights and connect you with the community, helping you navigate your new environment authentically and successfully.
This is a common point of confusion for newcomers. In Germany, you must proactively choose and sign separate contracts for each utility; they aren't bundled with your rent. We guide you through comparing providers, understanding the contracts, and avoiding common pitfalls like long cancellation periods.
An official letter from the Finanzamt (tax office) or another authority can be intimidating (official letter can be anyone). We act as your decoder for German bureaucracy. We help you understand what the letter means, what action is required, and who you need to contact, so you can respond with confidence.
The German format for a CV and cover letter is very specific, emphasizing structure, detail, and a different kind of professionalism. We offer insights into these local standards to help you present your skills and experience effectively, ensuring you make a strong first impression.
The best place to start is with a single, comprehensive consultation to map out your personal financial blueprint. We typically begin with a holistic check of your current situation, securing your foundation with the right insurance and pension strategy. From that solid base, we can then explore real estate and investment opportunities that align with your long-term goals, all while ensuring your tax situation is optimized from day one.
