Your Fee-Based Advisor in Wiesbaden, Frankfurt, and Mainz, as well as Nationwide.

Fee-Based Financial Planner | Fee-Based Financial Investment Advisor.

What is Fee-Based Advisory?

Fee-based consulting is a service provided by an independent and highly qualified consultant (service provider).

A fee consultant is compensated solely by a fee paid by the client (consumer). This means:

No additional payments or compensation from third parties.

No business relationships with product manufacturers (or distribution units).

With fee-based consulting, you can expect a service that is entirely in your best interest.

However, it’s important to note the following in the area of financial services:

There is no state-regulated or certified financial consultant or fee consultant, as there are in fields such as legal consulting (lawyers) or tax consulting (tax advisors). The term “fee consultant” does not provide clarity on the specific field, nor does it give you any information about the consultant’s qualifications.

In finance, there is a variety of different qualifications for financial consultants, which can be confusing.

For this reason, it is important to carefully consider which fee consultant you choose, based on their theoretical qualifications as well as practical experience.

At Carsten R. Streb e. K., we aim to provide clarity, transparency, and, above all, to create a foundation for trust. That is why we are a qualified, accredited, and certified financial planner with the Financial Planning Standards Board (FPSB e.V.). This means that we can offer you an internationally recognized, transparent, and high-quality qualification and certification, and that we work according to established consulting principles, adhering particularly to the professional and ethical standards set by our association.

As a fee-based financial planner, we are also registered with the Association of German Fee-Based Financial Advisors (VDH) and are listed in their fee-based consultant registry.

We highly recommend that you carefully consider which consultant or "financial advisor" or "fee-based consultant" you choose for your service needs.

We would be happy to discuss this in detail and you can get to know us personally.

Carsten R. Streb e. K.

Carsten R. Streb | EMBA | CFP® and EFA®

The Purest Form of Fee-Based Consulting

A purely strategic financial, thematic, or project planning service by a qualified, accredited, and certified financial planner can only be offered on a fee basis, i.e., fee-based consulting. This initially has nothing to do with the implementation of concrete products or their mediation.

Only after the completion of this strategic financial or project planning can the subsequent implementation of a plan, including recommendations for specific product types, products, and their potential mediation and subsequent support (e.g., in investment consulting or wealth management), occur.

Thus, one could argue that financial planning represents the “purest form” of fee-based consulting, especially due to the clear legal separation between advice and product recommendations or mediation.

Fast Facts - Fee-Based Consulting at Carsten R. Streb e. K.

Carsten R. Streb e. K. offers fee-based financial planning services (consulting services) for both individuals and legal entities.

An analysis of your individual life planning, financial situation (current status), and financial goals (desired outcome) forms the basis of our collaboration.

We create your individual financial or thematic plan (investment or retirement planning, etc.) or provide solutions for specific financial projects.

Carsten R. Streb e. K. provides these services as fee-based consulting and does not receive any additional compensation (e.g., commissions) from third parties.

Added Value | Fee-Based Financial Consulting:

Get to know us.

Fee-based consulting is a service provided by an independent and highly qualified consultant (service provider).

A fee consultant is compensated solely by a fee paid by the client (consumer). This means:

No additional payments or compensation from third parties.

No business relationships with product manufacturers (or distribution units).

With fee-based consulting, you can expect a service that is entirely in your best interest.

However, it’s important to note the following in the area of financial services:

In finance, there is a variety of different qualifications for financial consultants, which can be confusing.

For this reason, it is important to carefully consider which fee consultant you choose, based on their theoretical qualifications as well as practical experience.

As a fee-based financial planner, we are also registered with the Association of German Fee-Based Financial Advisors (VDH) and are listed in their fee-based consultant registry.

We highly recommend that you carefully consider which consultant or "financial advisor" or "fee-based consultant" you choose for your service needs.

We would be happy to discuss this in detail and you can get to know us personally.

Carsten R. Streb e. K.

Carsten R. Streb | EMBA | CFP® and EFA®

The Purest Form of Fee-Based Consulting

Fast Facts - Fee-Based Consulting at Carsten R. Streb e. K.

Carsten R. Streb e. K. offers fee-based financial planning services (consulting services) for both individuals and legal entities.

An analysis of your individual life planning, financial situation (current status), and financial goals (desired outcome) forms the basis of our collaboration.

We create your individual financial or thematic plan (investment or retirement planning, etc.) or provide solutions for specific financial projects.

Carsten R. Streb e. K. provides these services as fee-based consulting and does not receive any additional compensation (e.g., commissions) from third parties.

Added Value | Fee-Based Financial Consulting:

What is Fee-Based Advisory?

Fee-based consulting is a service provided by an independent and highly qualified consultant (service provider).

A fee consultant is compensated solely by a fee paid by the client (consumer). This means:

No additional payments or compensation from third parties.

No business relationships with product manufacturers (or distribution units).

With fee-based consulting, you can expect a service that is entirely in your best interest.

However, it’s important to note the following in the area of financial services:

In finance, there is a variety of different qualifications for financial consultants, which can be confusing.

For this reason, it is important to carefully consider which fee consultant you choose, based on their theoretical qualifications as well as practical experience.

As a fee-based financial planner, we are also registered with the Association of German Fee-Based Financial Advisors (VDH) and are listed in their fee-based consultant registry.

We highly recommend that you carefully consider which consultant or "financial advisor" or "fee-based consultant" you choose for your service needs.

We would be happy to discuss this in detail and you can get to know us personally.

Carsten R. Streb e. K.

Carsten R. Streb | EMBA | CFP® and EFA®

The Purest Form of Fee-Based Consulting

Fast Facts - Fee-Based Consulting at Carsten R. Streb e. K.

Carsten R. Streb e. K. offers fee-based financial planning services (consulting services) for both individuals and legal entities.

An analysis of your individual life planning, financial situation (current status), and financial goals (desired outcome) forms the basis of our collaboration.

We create your individual financial or thematic plan (investment or retirement planning, etc.) or provide solutions for specific financial projects.

Carsten R. Streb e. K. provides these services as fee-based consulting and does not receive any additional compensation (e.g., commissions) from third parties.

Added Value | Fee-Based Financial Consulting:

Get to know us.

What is Fee-Based Advisory?

Individuality

Our holistic, fee-based financial advisory approach offers individuality (customized solutions). Truly individual, meaning better and more efficient financial decisions based on your personal financial, topic, or project plan.

Efficiency

Due to our profession, we work daily on the efficiency of your financial plan.

The starting point is also your cost efficiency. Through clarity and transparency, we achieve the best possible overview of incurred costs and the highest possible efficiency (total cost ratio).

With us, you will also learn the difference between costs and investment costs.

Furthermore, we work with equal intensity on the investment, tax, and behavioral efficiency of your financial plan.

Time

Our fee-based advisory leads you to your goals. For a happier, healthier, and wealthier life (quality of life).

Trust
Inner peace (financially)
Success | The feeling of having achieved something
Confidence

We Strive for Your Financial Happiness.

Your Fee-Based Financial Advisor.

Carsten R. Streb | EMBA | CFP® and EFA®

Get to know us.

Implementation of your fee-based advisory.

Financial plan, topic plan, or project.

Our financial planning approach, along with our many years of theoretical and practical experience, enables us to advise our clients holistically in the areas of investment, insurance, credit, and real estate.

Carsten R. Streb e. K. has the necessary licenses (business licenses):

Investment

Fee-based financial investment advisor § 34 h paragraph 1, section 1 numbers 1-3 (Trade and Industry Regulation Act - GewO)

This means that both the implementation and brokering of your investments, as well as the advice, are carried out on a fee basis. Carsten R. Streb e. K. does not receive any other form of compensation.

Insurance and Credit

Insurance broker § 34 d paragraph 1 (GewO)
Real estate loan broker § 34 i paragraph 1 sentence 1 (GewO)

This means that, in addition to offering insurance products for a fee or providing independent advisory services on a fee basis (in specific cases), Carsten R. Streb e. K. can also accept commission payments from third parties, such as product providers (insurance companies, banks, etc.), as agreed with the client, as a traditional broker.

Regardless of compensation, the sole interest of our clients is the determining factor for our advice and recommendations.

Supplementary Information | Specifically for Legal Clarification (especially for our competitors):

In our profession and overarching financial planning services, including potential subsequent investment advisory and wealth management services, we are:

Free from conflicts of interest and independent.

Since we provide comprehensive advice tailored to your needs — including insurance (insurance investments, biometric, private, and business risks) and credit (business loans, mortgage loans, etc.) — we currently do not offer services as an insurance advisor § 34 paragraph 2 (GewO) and/or real estate loan broker § 34 (GewO).

This means, legally, we are not yet completely free from conflicts of interest in these specific areas and therefore not fully independent.

Why this is the case, and why many of our trusting clients choose to work with us:

We would be happy to explain this to you during an introductory meeting.

We look forward to meeting you.

If you have any questions, feel free to reach out

Get to know us.

BeratungsProzess

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., desires and needs and their prioritization)?

How do you get there?

Our Fee-Based Financial Planning (Fee-Based Advisory) follows a clear process:

Fee-Based Advice | Advisory Process

1. Getting to Know Each Other.

We begin with a personal or digital meeting,

which costs both you and me only our time.

The goal of our initial meeting is to get to know each other personally, understand your goals and expectations, and clarify your individual questions regarding a potential collaboration.

4. Your Financial Plan

During your financial planning, we will provide you with essential knowledge so that you can follow each step and make informed, clear decisions regarding your finances.

Of course, we are happy to work closely with your legal or tax advisors throughout this process.

For this, we use high-quality financial planning software and, in addition, the latest scientific insights from the fields of financial planning and financial sciences, thanks to our ongoing professional development.

2. Definition | Mandate

Your individual goals, expectations, and questions form the foundation for our potential future collaboration (holistic or project-oriented).

We will also mutually agree on which fee model would be most effective for you and your goals and expectations.

Subsequently, we will establish the framework for our collaboration, i.e., the mandate, with the service you have requested (clarification of the assignment) – documented in writing:

Your individual service agreement.

5. Implementation

Optional – meaning that if you wish, we will also implement your financial, topic, or project plan after its conception (realization) with and for you.

If you do not wish for joint implementation, your financial planning will conclude after the presentation of your financial plan or project plan, and you will have all the necessary information to proceed further on your own.

3. Start | Financial Planning

Your financial planning begins with data collection.

For this, we can offer you a digital shared client folder.

Once we have all your data, we can begin the analysis (including client profiling).

After this analysis (current state), we will design your individual financial or project plan | concept (target state).

Of course, we not only address your questions continuously but also work closely with you to develop the best and most efficient financial or project plan.

Subsequently, we will present your financial plan (possibly including one or more scenarios) and the resulting clear, concrete recommendations | solutions.

6. Support

Optional – that means, if you wish, we are happy to accompany you individually and comprehensively (Financial Plan) or on a project basis (Project Plan).

With us, you have a personal advisor who consistently supports you and offers regular follow-ups (monitoring), ensuring that your financial plan and solutions are continuously updated (including reviewing and evaluating solutions with reports).

We also offer our clients the CRS Cloud and App for free, so you can keep track of your finances and, among other things, use digital e-signatures to move everything forward in a modern way.

Additionally, we provide a financial secretariat service for certain clients

Get to know us.

Fee models

Fee Models.
In Wiesbaden, Frankfurt, and Mainz.

We Stand for Individuality and Clarity. You Can Expect the Same from Our Fee Models.

However, as we are in Germany, a "certain" level of complexity is involved:

We would be happy to clarify this for you below.

"What costs nothing is worth nothing" | Albert Einstein.

We advise you solely based on your interests, which is why our financial, topic, and project planning is fee-based advice. You compensate me on a fee basis as your accredited and certified (soon to be) financial planner (Financial Standard Planning Board e. V.).

Ultimately, however, you are investing in your finances and in yourself, as well as in the achievement of your financial goals!

As fee-based financial planners, our aim is to provide you with the foundation for informed and efficient financial decisions, so that you can best achieve your goals.

Based on your personal questions (financial, topic, or project plan), we will work together to find the most suitable fee model from the following options:

Fee Models

Our service is as individual as you are.

As your financial planner, we work with a fee-based business model. Our financial planning and investment advisory (wealth management, asset management) services are provided exclusively and purely on a fee basis.

For this reason, we offer you the following fee models, tailored to your needs:

On one hand

Hourly Basis* | Hourly sessions or Hourly Packages
Our base hourly rate for our fee-based advisory is currently €200 including VAT.

On the other hand, either

Volume-Based (Percentage)

or, alternatively:

Flat Fee (Absolute) for Consulting and Services

Unlike the overarching financial planning services, we can move to the product level in investment advisory (wealth management, asset management), where we help implement your plan and, if needed, offer products on a fee basis.

However, in the areas of insurance and credit, we offer you, for the time being, the services of a traditional broker for the implementation of your plan. This means that, despite this, fee-based mediation is possible and common with us.

For the time being, we are not yet insurance advisors or real estate loan brokers.

Therefore, we currently offer commission-based compensation in insurance and credit:

CoutageBasis

If you have any questions or would like to know why a collaboration with us in these areas could still be valuable, we would be happy to explain in a personal meeting.

During our initial meeting, we will first define the exact service you desire. Once we have defined the service you wish, we will find the fee model that suits you best. You decide which service is right for you and the fee model that works best for you.

After that, we will provide you with an offer or a service agreement, which will outline the agreed-upon services and the price (fee model) for our collaboration.

I look forward to our meeting.

Your Fee-Based Advisor | Your Fee-Based Financial Planner.
Your Fee-Based Financial Investment Advisor.

Carsten R. Streb | EMBA | CFP® and EFA®

Get to know us.

*Tax Deductibility:

Self-employed individuals, freelancers, and business owners can deduct our advisory fees as business expenses for tax purposes.

Even for non-self-employed individuals, some advisory fees may be tax-deductible as part of advertising expenses.

For this, the advisory services must be related to generating taxable income, which may also apply to future income.

For any questions, feel free to contact your tax advisor.

Your Fee-Based Advisor in Wiesbaden, Frankfurt, and Mainz, as well as Nationwide. ​ Fee-Based Financial Planner | Fee-Based Financial Investment Advisor.

What is Fee-Based Advisory?

What is Fee-Based Advisory?

What is Fee-Based Advisory?

Fee-Based Advice | Advisory Process

Fee Models. In Wiesbaden, Frankfurt, and Mainz.

Your Fee-Based Advisor in Wiesbaden, Frankfurt, and Mainz, as well as Nationwide.

Fee-Based Financial Planner | Fee-Based Financial Investment Advisor.

Fee Models.
In Wiesbaden, Frankfurt, and Mainz.