Good Karma
Pays Off.

Strategic Referrals. Zero Sales Obligations. Connect your network to our audits - no advisory or closing required from your side. Simple. Discrete. Premium.

Reward depends on the specific mandate or property value. Paid out upon successful settlement/ notarization.

Request a Call for more informations

Why we pay you instead of Google?

At Karmartha, we don't believe in aggressive cold calling, expensive advertising campaigns or multi-level recruitment schemes.

We believe in trust and results.

Instead of paying for ads, we prefer to invest our marketing budget in the people who actually know and value our work: You.

It’s a clean and simple referral model:

You help your network avoid bad financial decisions by introducing them to our experts.

If we can help them, we share our success with you. No downlines, no sales pressure - just a fair reward for a valuable connection.

Three ways to help your community

What we do: We end "hope-based" retirement planning. Using independent, actuary-level software, we analyze existing portfolios and pension plans for their actual mathematical efficiency.
The Process: We start with a complimentary assessment. No cost, no risk. We provide the client with mathematical clarity regarding their current investments. Only after the client sees the proven potential for optimization do they decide whether to move forward with our professional mandate.
Your Role as the "Advocate": You help your contacts uncover mathematical clarity regarding their current contracts. You open the door to an analysis that goes far beyond mere marketing promises.
Your Reward: You receive your referral reward as soon as the Service Mandate has been signed and the initial fee has been settled.

What we do: Navigating the German private health insurance (PKV) system requires more than a salesperson—it requires an auditor. We coordinate a specialized expert network to mathematically optimize premium-to-benefit ratios and secure long-term contribution stability.
Our Added Value: We operate based on a professional Health Audit. We start with an initial assessment to identify optimization potential. If the client proceeds, we establish a Service Mandate to perform a deep-dive analysis, including medical risk pre-checks where necessary. This ensures our advice is strictly performance-based and independent of any product switch.
Your Role as the "Connector": You help friends and colleagues navigate the chaos of rising premiums by introducing them to a sustainable, data-backed solution for their health and their wealth.
Your Reward: You receive your referral reward as soon as the Service Mandate has been signed and the initial fee has been settled.

What we do: We provide access to vetted real estate investments—ranging from exclusive off-market properties to institutional-grade developer projects.
The Process: We call it "Verified Access." Before any property enters our network, we utilize big data analytics to independently verify market values, location quality, and long-term cash flow projections. This ensures a data-backed decision basis.
Your Role as the "Door Opener": You grant your network access to exclusive opportunities that usually remain hidden from the public market.
Your Reward: You receive a reward for the successful connection as soon as Karmartha has received full payment from the respective provider. This timing varies by project and may occur either immediately after the notarization or upon the final disbursement of the purchase price by the bank.

Who is the perfect match?

We are specialized professionals.
Your referral is most valuable if the person fits one of these profiles:

The Expat Professional

Skilled professionals (e.g., Engineers, IT Specialists, Management) moving to or living in Germany. They often struggle with the complexity of the German insurance landscape. We provide a mathematical comparison between Private and Public Health Insurance and identify critical coverage gaps to ensure their protection is as high-performing as their career.

The Real Estate Investor

Individuals or families looking to build wealth through Buy-to-Let properties in Germany. We don't just "search"—we provide "Verified Access" to rigorously analyzed, off-market investment objects. Our focus is purely on real estate as a capital investment, providing the transparency needed to ensure every deal is a data-backed financial decision.

The Holistic "Planner"

Anyone seeking a mathematical validation of their entire financial ecosystem. We coordinate a deep-dive review of Investments, Pension Plans, and Insurances to identify structural inefficiencies and avoidable pitfalls. We build a resilient foundation that ensures their strategy is mathematically aligned for long-term growth.

The Investor

Sophisticated individuals looking for capital growth strategies beyond standard ETFs. We provide access to institutional-grade wealth concepts and cross-border strategies. We facilitate the evaluation of structural efficiency and cost models to ensure capital is positioned with maximum mathematical precision.

Protect Yourself First

Our Promise to Your Network

We know that referring a friend takes trust. We treat your referrals with the same respect we treat you.

No Cold Calling: We only contact them if they agree to it.

No Hard Selling: We offer a free analysis first. If they don't want to proceed, we shake hands and part ways as friends.

You look good: Our goal is that your friend thanks you for the introduction - regardless of whether they sign a contract or not.

Our Process

1

Sign Up & Qualify

Fill out the contact form below. We will briefly talk to set up your partner agreement and explain the commission tiers.

2

Make the Introduction

Connect us with someone who needs honest advice.
Important: You do not advise or sell. You simply make the introduction. We handle the rest.

3

Get Rewarded

Once the consultation turns into a successful cooperation (e.g., signed contract, property purchase), you receive your commission directly to your bank account.

Building Your Bridge
to Germany

Your questions, answered

You receive your commission once the referred contract is successfully finalized and the legally required cancellation period has passed. For real estate, this is typically after the notary appointment and payout.
As a resident in Germany, referral income up to €256 per year is tax-free. Anything above that must be reported in your tax return ("Sonstige Einkünfte"). We provide you with a proper credit note (Gutschrift) for your records.

Good Karma Pays Off.