Your company's bAVcompany pension, explained in English
A one-pager built from your own provider documents, delivered within two weeks of onboarding. Your international employees finally understand the occupational pension they already have.
For employers
An information offer for your international employees.
Financial education in English for the people on your team who did not grow up with the German system. Your effort is one internal email. No cost, no data, no contract.
What your employees get
Four promises, each with a number.
Everything in plain English, every German term explained. The same library for every company, behind one shared password.
- 1
New guide every month. Pensions, ETFs, health insurance, taxes, property, each with a box on what changes if you leave Germany.
- 45
Minutes live, every month. One 45-minute session on your Teams, recorded for everyone who can't attend. Employees send their questions in advance; they are answered in the session or the FAQ.
- 30
Free minutes with a licensed advisor. A 30-minute Orientation Call that ends with a recommendation: a package, a tax advisor, or "you're fine, here is the guide".
- 7
Days to a tax-advisor match. Cross-border questions go to an independent, English-speaking tax advisor from our network.
What it costs, and what does not happen
Nothing to pay, nothing to set up, nothing to sign.
Free. Nothing to pay, for the company or for the employee.
Zero effort. One internal email. No setup, no integration, no payroll entry.
Fee-only advice. Licensed, no product commissions. How we earn money is stated below.
No employee data. No accounts, no names, no list. Your employees share one password.
Cancel anytime. No contract. Stop forwarding the link and it ends.
For founding companies
Two things for HR itself
Arrived in Germany: pension in five steps
A guide for your onboarding pack, so new international hires start with the right questions instead of the wrong contracts.
How to start
One email from you. One email from us.
Email us from your company address.
Within one working day you have a password for your employees and the internal email on the right, ready to forward.
Forward it to your international employees. We set the first session date with you.
The internal email you forward
Subject: Financial decisions in Germany, explained in English — free for you
Hello all,
For colleagues who did not grow up with the German pension, insurance and tax system, we have arranged free access to financial-decision.de: guides and live sessions in English, a way to ask specific questions, and a free 30-minute call with a licensed advisor.
Library: financial-decision.de/access · Password: [PASSWORD]
First live session: Pension reform 2027, [DATE] on Teams.
How they earn money, in their words: content is free. Advice is fee-only, as fixed-price packages with a defined outcome, with no product commissions. If property turns out to be right for you, their property partner helps you find, finance and buy it; that is paid by commission, and they tell you how much and who pays before you sign.
This is an information offer, not a company programme; nothing about you is shared with them.
[HR NAME]
Questions HR asks
The five we always get.
- Is this a taxable benefit for our employees?
- It is an information offer open to everyone with the password, not a wage component. [Confirmation from the tax-advisor partner pending; wording to follow.]
- What happens with data?
- No accounts and no names. The password sets a 30-day cookie on the employee's device, nothing else. If an employee sends a question, we hold what they typed to answer it; details go to a partner advisor only when they tick the box that allows it.
- What if an employee wants individual advice?
- The free 30-minute Orientation Call is included and ends with a recommendation. Paid advice is fixed-price packages, fee-only. Property goes to our property partner, with the commission disclosed before anyone signs.
- Can we see whether anyone uses it?
- Yes. We count password uses per company and tell you the number, nothing more.
- Can we stop?
- Anytime. There is no contract; stop forwarding the link and it ends.
How we earn money
Content is free. Advice is fee-only: fixed-price packages with a defined outcome, and we take no product commissions. If property turns out to be right for an employee, our property partner helps them find, finance and buy it; that is paid by commission, typically 3% of the purchase price, and we tell them how much and who pays before they sign.
The same three sentences are in the internal email above, so nobody reads them here first.