Submit your current contract for a complimentary,
no-obligation review of your private pension plan.
Leveraging a methodology backed by over 65.000 assessments,
we provide mathematical clarity on your total cost structure and identify specific potential for optimization.
Beyond the Surface.
We replace illustrative projections with mathematical clarity,
revealing the structural efficiency of your contracts.
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I had three different policies from three different advisors. Karmartha consolidated everything into one synchronized system... Seeing the leverage calculated through unbiased, third-party software gave me the certainty I needed.
Vanessa
I’m a numbers person and have bought and sold properties in the past, so I thought I had my finances pretty much figured out. But the Pension Check from Karmartha was a real wake up call.
Seeing a 404.819,31€ gap for my family was insane. Especially when I realized it was just the difference compared to a more cost-effective structure. I’d stayed with a setup I honestly thought was one of the better ones, not realizing how much fees were eating my returns.
Ray
I always thought my pension plan was solid because the brochure promised high returns. Karmartha didn't just give me an opinion—they ran the numbers through their superior, objective market analysis tools... the hidden costs in my old contract became undeniable.
Olga
Finally I met Erik. He doesn’t just show me a software comparison with inflated projections from insurance companies. Instead, I got an expert who explains the actual mathematical foundation of my wealth.
Dominik
Someone who isn't trying to sell me the next product, but instead shows me what my current product is actually worth.
Max
Moving from India to Germany, the financial system felt like a black box. Most advisors only showed me the immediate tax savings during the accumulation phase. Karmartha was different. They were the first to focus on the withdrawal phase honestly...
Sanket
Saving taxes sounds great at first. But only through Karmartha did I realize that my currently planned exit phase would have cost me nearly a third of my capital. A total eye-opener. Thank you!
Ashish
Saving taxes was my only goal until they did the math on what the exit would actually cost me in the end. Karmartha saved me from a very expensive decision.
Amrita
I just had my first strategy sessions with Erik regarding my pension planning. Before this, it was all a black box to me. Erik used a whiteboard and simple math to break it down. Finally, I understand what is happening with my money.
Kevin
I’m allergic to sales pitches and typically avoid financial advisors who rely on their own 'magic' spreadsheets. What convinced me about Karmartha was the audit approach based on independent standards...
Markus
I didn't want a second opinion; I wanted facts. The audit dissected my contract down to the last decimal place. The result was shocking. Many thanks.
Julia
I thought I had a solid plan. The audit showed me that I wasn't investing in retirement, but primarily financing the insurance company's fee structure. The numbers don't lie.
Roberto
The brochures promised security, but the math revealed a massive performance gap. I finally understand why my balance stagnated despite rising markets.
Mohammed
Great funds, but the wrong wrapper. Without the audit, I never would have noticed how much return gets trapped in the insurance layers. Now I finally have clarity.
Kaan
Anyone who thinks their contract is 'standard' should have it audited. Knowing the actual costs has completely changed my perspective on my retirement planning.
Jörg
You can tell that the experience from over 65.000 assessments flows into this. The experts find fee layers I wouldn't have discovered in the fine print in a hundred years.
Pragun
Finally, not a sales pitch, but a brutal analysis. You can immediately tell that the experts auditing this have zero interest in a commission.
Adrian
My advisor spoke of 'partnership'; Karmartha spoke of 'expense ratios.' After seeing the raw numbers, I knew my interests had been secondary until now.
Toni
The Buzz
about Us
out of our founding phase
Your Road to Clarity:
The 5-Step Pension Audit
1
Watch the Briefing
Understand the "Why" Before we talk, take a few minutes to watch our Pension Check Video. It explains exactly how standard contracts often conceal costs and why a mathematical review is essential. This gives you the background knowledge to understand what we will be looking for in your contract.
2
Secure Data Upload
Submit Your Documents Upload your current pension plan policy (Versicherungsschein) and the latest value statement via our secure, encrypted portal. We don't need originals - digital copies are enough. This allows us to perform the "Financial X-Ray" before we meet, ensuring our time together is focused on results, not administration.
3
Schedule Your Analysis
Book Your Slot Select a time in our calendar that fits your schedule. No back-and-forth emails - just pick a slot for your free initial analysis session. You will receive a confirmation and a meeting link immediately.
4
The "Reality Check" Session
Audit, Feedback & Alternatives In this video call, we introduce ourselves and present the hard facts.
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The Status Quo: We show you the math behind your current contract (true costs vs. actual return).
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The Potential: We highlight optimization opportunities or tax traps you need to avoid.
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The Alternatives: If desired, we present superior market alternatives or different investment vehicles that better match your goals. You get a clear, unvarnished look at your financial reality.
5
Your Decision
Define Our Path Together There is no pressure to sign anything. After seeing the facts, you decide. You can choose to optimize your existing setup with us, switch to a better strategy, or simply take the information and walk away. If you choose to work with us, we will define the scope of our journey - whether it's just fixing this pension or building a holistic financial plan.
Building Your Bridge
to Germany
Your questions, answered
Yes. The initial review and the resulting consultation are 100% free of charge. There are no hidden fees or "service invoices" for the analysis itself.
We believe in transparency. In some cases—though statistically they are the exception—our analysis shows that an existing contract is performing well. In those instances, we advise the client to keep it exactly as it is, and we earn nothing. This is our 'professional risk' and a core part of our commitment to objectivity.
If, however, the data reveals the structural inefficiencies we see in the vast majority of cases and you choose to optimize your strategy with us, we will define a clear and transparent compensation model together. This ensures that the way we are rewarded remains fully aligned with the long-term results we deliver for you.
Because our audits rely on independent, third-party software, every recommendation is rooted in mathematical facts. As IHK-certified professionals, we are legally and ethically bound to only suggest changes that are demonstrably superior to your current setup.
Millions of contracts in Germany are outdated, over-expensive, or hindered by disadvantageous clauses. Most people don't invest in a pension; they finance an insurance company's overhead. A Pension Check reveals the raw mathematical reality of your contract, showing you if you are on track or if there is a massive performance gap that needs to be closed.
Our audit focuses on the structural KPIs of your contract, including:
Total Expense Ratio (TER): Is the cost-to-benefit ratio reasonable?
Net Yield Potential: Can the plan generate a real return after all costs and inflation?
Guaranteed Pension Factor: Are the conditions for the payout phase 100% secured?
Flexibility: Can you switch investment strategies or adjust contributions free of charge?
Structural Protection: Are features like survivor benefits or automatic management correctly implemented?
It’s a matter of mathematical efficiency. Switching is beneficial if the long-term opportunity cost of staying in an expensive, low-yield contract outweighs the costs of a restart. Your retirement capital should work for you, not for the insurance company’s fee structure. We use data to identify the "tipping point" where a strategic move becomes the more profitable path for your future nest egg.
Your security is our priority. Your data is processed exclusively by Karmartha GmbH and the specialized service providers required for the mathematical analysis. We do not share your data with unauthorized third parties, and we never sell your data. You can find all the details in our [Privacy Policy].
No. Performing a Pension Check has no effect on your existing brokerage agreements. The analysis is a standalone service and does not transfer the legal mandate of your contracts to us. We act as an independent auditor for the duration of the review.
No. The review is strictly confidential. Your current advisor will not be notified that you are seeking a second opinion. They would only be involved if you actively decide to restructure or replace a non-performing contract through us, as the old provider would then receive a cancellation notice. If your contract is solid and remains unchanged, your current advisor remains completely out of the loop.
No. Our Pension Check always includes a personal video consultation. Mathematical clarity requires a dialogue to ensure you understand the foundation of your wealth. To avoid "email ping-pong" and potential misunderstandings of complex data, we clarify all findings directly in a one-on-one session.