Fee-Based Consulting | Heidelberg.
Fee-Based Financial Investment Advisor.
What is fee-based consulting?
Fee-based advisory is a consulting service provided by an independent and optimally qualified advisor (service provider).
​
A fee advisor is compensated solely through a fee paid by the clients (consumers). This means:
​
-
There are no additional payments from third parties.
​
-
There are no business entanglements with product manufacturers (financial service providers, companies).
​
With fee-based advisory, you can expect a service that is purely in your interest.
​
However, you should consider the following:
​
On one hand, there are no financial advisors on equal footing, such as independent and qualified tax or legal advisors. The term "fee advisor" does not provide an answer regarding the advisor's qualifications. Unfortunately, there is a wide variety of qualifications in the financial sector. You should carefully consider which advisor you choose based on their theoretical qualifications as well as practical experience.
​
On the other hand, fee advisors or fee-based advisory services in the financial sector are unfortunately not necessarily protected under German law. Therefore, you should also carefully consider which advisor or "potential fee advisor" you choose.
​
We still want to create transparency and trust for our clients. For this reason, we are qualified, i.e., accredited and certified financial planners of the Financial Planner Standard Board e. V. (FPSB e. V.).
This means that we work with established advisory principles and adhere particularly to ethical rules.
​
​
The Purest Form of Fee-Based Advisory
​
​
A purely strategic financial, thematic, or project planning by a qualified, accredited, and certified financial planner can only take place on a fee basis, i.e., fee-based advisory. This is initially unrelated to implementation, i.e., specific products and their mediation.
​
Only after the completion of this strategic financial, thematic, or project planning can the subsequent implementation of a plan with specific recommendations for product categories, products, and possibly their mediation and subsequent support (e.g., in investment or asset advisory) take place.
​
Thus, it can be claimed that financial planning represents the "purest form" of fee-based advisory (at the advisory level), especially due to its clear legal separation between advisory and product recommendations and mediation.
​
​
Fast Facts: Fee-Based Advisory at Carsten R. Streb e. K.
​
​
-
Carsten R. Streb e. K. offers financial planning (advisory) for individuals and legal entities.
​
-
An analysis of your individual life planning, your financial situation (current), and your financial goals (target) forms the basis of our collaboration.
​
-
We develop your individual financial plan, thematic plan, or individual financial projects.
​
-
Carsten R. Streb e. K. provides these services as fee-based advisory and does not receive any additional compensation (commissions, etc.) from third parties.
​
Value Added by Fee-Based Financial Advisory:
Individualität.
Unser ganzheitlicher finanzplanerischer Beratungsansatz auf HonorarBasis bietet Individualität (maßgeschneiderte Lösungen).Ernsthaft individuelle, d.h. bessere und effizientere Finanz - Entscheidungen aufgrund Ihres individuellen Finanz-, Themen oder ProjektPlanes.
Effizienz.
Aufgrund unserer Profession arbeiten wir tagtäglich an der Effizienz Ihres FinanzPlanes.
Ausgangsbasis ist auch Ihre KostenEffizienz. Wir erhalten durch Klarheit und Transparenz einen bestmöglichen Überblick über anfallende Kosten und die bestmögliche Effizienz (GesamtkostenQuote).
Lernen Sie bei uns auch den Unterschied zwischen Kosten und Investitionskosten kennen.
Allerdings darüber hinaus arbeiten wir in gleicher Intensität an der Anlage-, Steuer- und VerhaltensEffizienz Ihres FinanzPlanes.
Zeit.
Unsere HonorarBeratung führt sie an Ihre Ziele.
Für ein glücklicheres, gesünderes und wohlhabenderes Leben (Lebensqualität).
​
Mehr:
-
Vertrauen.
-
Innerer Frieden (Finanziell).
-
Erfolg | Gefühl etwas erreicht zu haben.
-
Zuversicht.
We strive for your financial happiness.
​
Your fee-based financial planner.
​
Carsten R. Streb | EMBA.
Implementation of Your Fee-Based Advisor. Financial, Thematic Plan, or Project.
Our financial planning approach, along with our extensive theoretical and practical experience, allows us to advise our clients comprehensively in the areas of investments, insurance, credit, and real estate.
​
Carsten R. Streb e. K. holds the necessary permits (licenses):
​
Investments
​
-
Honorary Financial Investment Advisor § 34 h Paragraph 1, Page 1 Numbers 1 – 3 (Trade Regulation Act)
This means that the implementation and mediation of your investments, as well as the advice, are provided on a fee basis. Carsten R. Streb e. K. does not receive any other compensation for this.
Insurance and Credit
-
Insurance Broker § 34 d Paragraph 1 (Trade Regulation Act)
-
Real Estate Loan Broker § 34 i Paragraph 1 Sentence 1 (Trade Regulation Act)
This means that Carsten R. Streb e. K., in addition to mediating insurance products for a fee or providing mediation-independent advice on a fee basis (in individual cases), can accept commissions from third parties, such as product providers (insurance companies, banks, etc.), as agreed with the client, acting as a traditional broker.
Regardless of the fee structure, the sole interest of our clients is decisive for our advice and recommendations.
For clarification, we currently do not provide services as an insurance advisor § 34 Abs. 2 (Trade Regulation Act) or as a real estate loan advisor § 34 (Trade Regulation Act).
If you have any questions, please feel free to reach out.
We are financial planners and advise you at every stage of your life. Let’s clarify together:
​
-
Where do you stand?
​
-
What do you truly value (profiling)?
​
-
Where do you want to go (your personal goals, i.e., wishes and needs, and their prioritization)?
​
-
How will you get there?
​
Our fee-based financial planning (fee consulting) follows a clear process:
Fee-Based Consulting | Consulting Process.
1. Kennenlernen.
​
​
​
Wir starten mit einem persönlichen oder digitalen Kennenlernen
dieses kostet Sie und mich lediglich unsere Zeit.
Ziel unseres Kennenlernens ist das persönliche Kennenlernen an sich und die Feststellung Ihrer Ziele, Erwartungen und die Klärung Ihrer individuellen Fragestellungen zu einer möglichen Zusammenarbeit.
4. Ihr FinanzPlan
​
Während Ihrer Finanzplanung vermitteln wir Ihnen
grundlegendes Wissen, damit Sie Ihre Schritte - Schritt für Schritt nachvollziehen können und daraus folgend informierte und klare Entscheidungen hinsichtlich Ihrer Finanzen treffen können.
​
Selbstverständlich arbeiten wir in diesem Prozess gerne mit Ihren Rechts- oder Steuerberatern Hand in Hand zusammen.
Hierfür nutzen wir u.a. für Sie hochwertige FinanzPlanungssoftware und darüber hinaus aufgrund unser konsequenten Weiterbildung die neuesten wissenschaftlichen Erkenntnisse der FinanzPlanung, der Finanzwissenschaften.
2. Definition | Mandatierung
​
Ihre individuellen Ziele, Erwartungen und Fragen bilden die Basis für unsere mögliche zukünftige Zusammenarbeit (ganzheitlich oder projektorientiert).
Auch stimmen wir uns gemeinsam ab,welches Honorierungsmodell in Ihrem Sinne und für Sie und Ihre Ziele, Erwartungen zielführend sein kann.
​
Im Anschluss setzen wir den Rahmen für unsere Zusammenarbeit, d.h. die Mandatierung mit der von Ihnen gewünschten Dienstleistung (Auftragsklärung) - schriftlich festgehalten:
Ihrer individuellen Dienstleistungsvereinbarung.
5. Umsetzung
​
Optional - das heißt, wenn Sie dies wünschen, setzen wir Ihren Finanz-, Themen oder ProjektPlan nach der Konzeption auch mit und für Sie um (Realisierung).
​
Sollten Sie keine gemeinsame Umsetzung wünschen, endet Ihre FinanzPlanung nach der Präsentation Ihres FinanzPlanes / Ihres ProjektPlanes und Sie haben hiermit die notwendigen Informationen für alles Weitere.
3. Start | FinanzPlanung
​
Ihre FinanzPlanung beginnt mit der Datenaufnahme.
Hierzu können wir Ihnen einen digitalen - gemeinsamen Mandanten-Ordner - anbieten.
Wenn wir Ihre Daten vollständig vorliegen haben - können wir mit der Analyse (inkl. Mandanten-Profilierung) beginnen.
​
Nach dieser Analyse (IST) konzeptionieren wir Ihren individuellen Finanz- oder ProjektPlan | Konzeption (SOLL).
Selbstverständlich gehen wir nicht nur konstant auf Ihre Fragen ein - sondern können wir nur mit Ihnen in der Zusammenarbeit Ihren bestmöglichen und effizienten Finanz- oder ProjektPlan erarbeiten.
Anschließend präsentieren wir Ihnen Ihren FinanzPlan (ggf. inkl. des ein oder anderen Szenarios) und dessen daraus klar werdenden konkreten Empfehlungen | Lösungen.
​
6. Begleitung
​
Optional - das heißt, wenn Sie dies wünschen, begleiten wir Sie selbstverständlich gerne individuell, ganzheitlich (FinanzPlan) aber auch projektorientiert (ProjektPlan).
Sie haben mit uns einen persönlichen Berater der Sie konstant begleitet und Ihnen regelmäßige: Follow Ups (Kontrolle) anbietet und Ihren FinanzPlan und Ihre Lösungen laufend aktualisiert (d.h. auch die Überprüfung und Bewertung von Lösungen inkl. Reportings).
​
Auch bieten wir unseren Mandanten die CRS Cloud und App kostenfrei an, damit Sie Ihren finanziellen Überblick behalten und mit der Sie u.a. auch per digitaler eSignatur für sich alles - zeitgemäß - auf den Weg bringen können.
Darüber hinaus bieten wir für die ein oder anderen Mandanten ein Finanzsekretariat an.
Fee models.
Fee-based counselling in Heidelberg.
We stand for individuality and clarity. You can also expect this from our fee structures.
However, we are in Germany, and thus, a certain complexity comes with it:
​
We would like to clarify the following for you.
​
​
"What costs nothing is worth nothing." | Albert Einstein.
​
​
We advise you solely based on your interests; for this reason, our financial, thematic, and project planning is a fee-based consulting service. You honor me on a fee basis as your accredited and certified financial planner (in the near future) from the Financial Standard Planning Board e.V.
​
Ultimately, you are investing in your finances, yourself, and the achievement of your financial goals!
​
As a fee-based financial planner, we aim to provide you with a foundation for informed and efficient financial decisions, so you can best achieve your goals.
Based on your personal inquiries (financial, thematic, or project plan), we will collaboratively find the appropriate fee structure from our following options:
​
​
Fee Structures.
​
​
Our services are as individualized as you are. In addition to basic financial planning services (consultant level), we can also offer comprehensive advice and implement the targeted solutions (product categories) of your plan and their products, if desired.
​
That is, we can transition from advisory services: financial planning to the product level and provide you with products, if wished.
​
Your Decision.
​
We operate at the product level: investment, with the authorization (trade) as a fee-based financial investment advisor, allowing us to work strictly on a fee basis as a fee advisor.
​
Therefore, we offer you the following fee structures at the consultant and product levels (only investments | no insurance and credit levels) tailored to your needs:
​
​
-
Hourly Basis*
*Our base hourly rate for our fee-based consulting is currently €200 including VAT.
​
​
or
​
​
-
Volume Basis (Percentage)*
​
​
or
​
​
-
Based on consulting and service flat rates (absolute)
​
​
However, in the product levels of insurance and credit, we only offer mediation as a traditional broker—not as an insurance advisor or real estate loan advisor.
This means we also mediate in the area of insurance investments on a fee basis, but we are still not recognized as an insurance advisor in this area.
​
This is due to the current regulatory status (legislators) and the market, but also due to the wishes of our long-standing clients.
​
Therefore, until further notice, we only offer remuneration in the product levels of insurance and credit based on:
-
CourtageBasis.
We are happy to clarify any arising questions and why collaborating with us in these areas is beneficial in a personal meeting.
​
In our initial meeting, we will first align on the services you specifically desire. Once we have defined the service you want, we will find the appropriate fee model for you.
This means you decide which service is right for you and which fee model suits you best.
​
You will then receive an offer or service agreement from us, in which we document the agreed service and the price (fee model) for our collaboration in writing.
​
I look forward to our meeting.
​
Your Fee Consultant. | Your Fee-Based Financial Planner.
Your Fee-Based Financial Investment Advisor.
​
Carsten R. Streb
*Tax Deductibility:
Self-employed individuals, freelancers, and entrepreneurs can deduct our consulting fees as business expenses for tax purposes.
For employees, some consulting fees may also be deductible as advertising expenses.
For this to apply, your consulting must be related to generating taxable income, which can also occur in the future.
If you have any questions, please feel free to contact your tax advisor.