Karmartha
Your Partner for
Holistic Financial Planning
In a financial market where complex fee structures often obscure real returns, there is a different path. Karmartha is not a traditional brokerage, but a network of specialized experts dedicated to a new standard of client partnership.
Instead of being driven by commissions or short-term tax incentives, our approach is built on mathematical clarity, knowledge transfer, and verifiable evidence.
We believe that everyone who have taken the bold step to move to Germany, deserve Financial Information that actually protects your future.
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You might be wondering what is behind this name. It was not chosen at random but is the foundation of our philosophy and the core of our mission. The name Karmartha combines two powerful concepts from Hindu philosophy: Karma and Artha.
Behind Karmartha is an interdisciplinary team of partnerships that covers all relevant specialist areas of the financial world. Karmartha takes on the important role of fundamental knowledge transfer, the basic financial structuring of the household, and various insurance-related topics, such as essential coverage. Furthermore, the independent partners are precisely coordinated to ensure that every single client receives the best possible and most suitable solution for their needs.
In 2019, our managing director took in a stranger. A young man came to study for his MBA and stayed longer than planned. Each lived their own life, with a quick 'hello' in the morning and tentatively trying each other's food in the evening. They survived the Pandemic with their respective challenges, right up to the brink of a nervous breakdown. Managing daily life together, sometimes questioning the daily madness after dinner, or hitting the nearby bars. From an encounter, an acquaintance grew, then a friendship, and now they consider each other family. It could be the script for the next Disney movie.
Artha stands for prosperity, success, and the ability to create material wealth. It is the goal of leading a financially secure and fulfilled life. As a financial advisor, Erik often came home with the thought that the current system couldn't really be advantageous for the client.
Over the last decade, he gathered information on how financial product providers must adhere to the Insurance Supervision Act (VAG) from 1902, how they find their way to the customer with the help of distribution companies, what different yet similar contract structures have been formed in recent years, and how truly profitable these are for the client.
As a financial advisory, Artha is the foundation of these nights, Karmartha is here to help you build your wealth, acquire the necessary knowledge, and then achieve your financial goals together.
We believe that true success is more than just the sum in your bank account. This is where Karma comes into play. Karma is the universal law of cause and effect. It states that every action, every thought, and every decision has consequences. In the context of your finances, this means: how you earn, invest, and spend your money influences not only your own life but also the world around you.
Our vision at Karmartha is to unite these two principles. We want to show you not only which products are available but also how to become wealthy in a conscious, ethical, and sustainable way. We help you make financial decisions that are not only profitable for one side but also lead you to your personal happiness and a positive contribution to society.
Karmartha is therefore more than just a name.
It is a PROMISE:
we will accompany you on the path to a financially successful life that is in harmony with your values. Because we are convinced that doing good can also pay off financially.
Who is behind Karmartha?
Behind the name Karmartha is an interdisciplinary team of partnerships that covers all relevant specialized fields of the financial world. Karmartha takes on the important role of fundamental knowledge transfer, the basic financial structuring of the household, and the various insurance-related topics as well as retirement planning. Furthermore, the mutually independent partners are precisely coordinated to ensure that every single client receives the best possible and most suitable solution for their concerns.
National and international Tax Advisors and Accountants
for a tax-efficient implementation.
Financing Experts
for the realization of your projects.
Real Estate Experts
for investments in tangible assets.
Investment and Capital Investment Experts
for optimizing your returns.
Financial Mathematicians (Actuaries) and Scientists (Graduate Statisticians)
for well-founded analyses and models.
Certified Insurance Specialists and Merchants
for securing your risks.
Certified Financial Planners
for a holistic strategy
Why should you choose Karmartha?
Working with Karmartha offers you decisive advantages that have a direct impact
on your long-term financial success
True Independence
Karmartha's recommendations are based exclusively on a comprehensive analysis of market participants conducted by an independent institute, including gross and net policies with open access for broker sales channels and consideration of products offered only through direct sales. This way, we ensure the optimal solution for you, not the one that brings the advisor the quickest and largest profit.
Verifiable Excellence
and Precision
The expertise of some partners is reflected in concrete results. For example, since 1998, over 15,000 product reviews for plausibility and suitability have been conducted. An average client return of only about 2.5% p.a. was determined in this process. This unparalleled success underscores the necessity and added value of such a precise and competent partner.
Outstanding Experts in Asset Management
The analytical strength of some partners is also reflected in their performance. One has been managing client funds for over 17 years and has for years surpassed the returns of Germany's top asset managers. Compared by Morningstar & WirtschaftsWoche, they are repeatedly among the top 5 asset managers in Germany. A scientific study even confirms the quality of the existing portfolios with the words: "mathematically largely without alternative."
Knowledge Transfer Instead of Product Sales
Karmartha's recommendations are based exclusively on a comprehensive analysis of market participants conducted by an independent institute, including gross and net policies with open access for broker sales channels and consideration of products offered only through direct sales. This way, we ensure the optimal solution for you, not the one that brings the advisor the quickest and largest profit.