FOR US CITIZENS LIVING IN GERMANY

FINALLY. A US TAX-COMPLIANT
401(K)/Traditional IRA EQUIVALENT
IN GERMANY.

Say goodbye to PFIC TAX TRAPS and complex IRS FORM 8621 filings. Our revolutionary, BAFIN-REGULATED retirement solution lets you invest tax-deferred in Germany while maintaining 100% US-TAX COMPLIANCE.

100% COMPLIANT WITH SEC, IRS (NO PFIC ISSUES) & BAFIN

FULLY TAX-DEDUCTIBLE CONTRIBUTIONS IN GERMANY

100% PORTABLE WORLDWIDE IF YOU RETURN TO THE US

100%

US-Tax Safe

BAFIN

Regulated

FATCA

Compliant

FATCA SAFE

CHECK YOUR ELIGIBILITY

Determine in 60-seconds if this German-US pension strategy fits your tax situation.

GERMAN TAX SAVINGS

Find out how much you can deduct yearly.

PFIC PROTECTION ASSESSMENT

Confirm zero exposure to punitive US taxes.

START FREE ASSESSMENT

THE EXPAT DILEMMA

WHY US EXPATS IN GERMANY STRUGGLE TO BUILD WEALTH

The combination of German tax laws and complex IRS citizenship-based taxation creates a hostile environment for American savers.

THE PFIC TAX TRAP

Buying typical German/European ETFs or mutual funds triggers punitive PASSIVE FOREIGN INVESTMENT COMPANY (PFIC) rules. Your gains can be taxed up to 50%+ BY THE IRS, requiring complex annual FORM 8621 FILINGS.

UNUSABLE PENSIONS

Standard corporate or private pensions (Riester, classic Rürup, company pensions etc.) often invest in underlying European funds that trigger the exact same PFIC COMPLIANCE DISASTERS. German providers WILL NOT WARN YOU about US tax forms.

NO BROKER ACCESS

Due to FATCA REGULATIONS, most local German banks and brokers (like Trade Republic, Scalable, ING or DKB) reject US citizens outright, leaving you with ZERO ACCESS to investments while you're in Europe.

OUR SOLUTION

THE US-GERMAN COMPLIANT RETIREMENT PLAN

We have designed a unique financial structure under BaFin-regulated German law that utilizes specialized investment paths fully compliant with IRS guidelines. Think of it as a hybrid between a traditional IRA/401(k) and a tax-deferred German private pension.

GERMAN TAX DEDUCTIBILITY

Contributions are FULLY TAX-DEDUCTIBLE against your German income tax, instantly reducing your monthly tax burden.

100% PFIC SHIELD

The underlying investments are compliant with SEC and IRS guidelines, meaning ZERO PUNITIVE PFIC TAXES or complex reporting requirements.

100% PORTABLE PLAN

Moving back to the US? Your plan remains intact and complies with DOUBLE TAXATION TREATIES (DTA), ensuring absolute safety of accumulated capital.

HOW THE SYSTEM WORKS

EARN INCOME & DEDUCT

Earn Euros in Germany. Route contributions directly to your plan to offset German income tax.

PFIC-FREE GROWTH

Funds grow tax-free on both sides. No annual US capital gains tax because of specialized wrapper structure.

FLEXIBLE GLOBAL PAY-OUT

Retire in Germany, the US, or anywhere. Your money is protected by the US-Germany tax treaty.

READY TO SECURE YOUR GERMAN FUTURE? GET STARTED

ESTIMATE YOUR GROWTH

US EXPAT RETIREMENT SAVINGS CALCULATOR

See how investing inside a tax-sheltered compliant pension beats trying to invest standard US tax-dragged assets in Germany.

ADJUST YOUR DETAILS

MONTHLY CONTRIBUTION €500

€100 €2,500

YEARS TO RETIREMENT 25 years

5 YRS 40 YRS

EXPECTED ANNUAL RETURN 7%

3% 10%

GERMAN INCOME TAX RATE (EST.) 35%

20% 45%

Your Future Fund

ESTIMATED WEALTH

€394,115

Total projected sum in your US-compliant pension plan.

Immediate Refund

IMMEDIATE SAVINGS

€52,500

Total estimated German income tax deductions earned over your savings years.

WHAT HAPPENS WITHOUT THIS PLAN?

STANDARD GERMAN ETF/PENSION:

Subject to PFIC tax rates up to 50%+ on gains. Drags your wealth down significantly due to complex filing audits and loss of tax-shelter benefits.

STANDARD US BROKERAGE:

Zero tax deductions in Germany. Your monthly contributions are fully taxed at your high German income tax bracket first, costing you thousands in opportunity.

LOCK IN YOUR TAX ADVANTAGES NOW

OUR REVIEWS

WHAT AMERICANS IN GERMANY ARE SAYING

"Finding out about PFICs almost made me give up on ever investing while in Berlin. This compliant plan allowed me to write off my pension savings against my high German taxes, and my US accountant was thrilled with the compliance package."

DR. SARAH JENKINS

Biotech Consultant, Berlin

"As an executive at a Munich tech firm, my tax bracket was killer. This plan allowed me to maximize my tax-deductible options here, without messing up my IRS returns. True peace of mind."

MICHAEL S.

Software VP, Munich

"The portability is what won me over. I plan to move back to Colorado in 5 years, and being able to seamlessly transfer this tax shelter status back home saved me massive stress."

ELENA WOOD

Freelance Creative, Frankfurt

"As an automotive engineer in Stuttgart, standard brokers wouldn't even open an account for me because of FATCA. This system gave me zero-stress compliance and slashed my annual German tax bill by thousands."

DAVID VANCE

Lead Engineer, Stuttgart

"I spent years worrying about Section 402(b) and double taxation treaties as an academic researcher. The cross-border advisors explained the wrapper's mechanics perfectly. Highly professional."

DR. AMANDA THORNE

Research Fellow, Heidelberg

"Most local German insurance reps look at you blankly when you mention PFIC or IRS Form 8621. This team understands both financial worlds. The online setup was done in less than 2 weeks."

BOBBY KOWALSKI

FinTech PM, Hamburg

PROCESS

From first call to funded plan
in under 2 weeks.

We handle the cross-border complexity so you don't have to.

Free consultation

We review your employment situation, tax residency, and current savings — in 45 minutes.

Custom plan design

Our advisors build a dual-compliant structure matched to your individual situation, income, and goals.

Setup & enrollment

We handle all paperwork across both jurisdictions. You review, sign digitally, and you're done.

Ongoing management

Annual reporting, rebalancing, and life-event reviews are included at no extra cost.

BUILD YOUR PROCESS MAP

Takes 60 seconds • Completely secure • BaFin Regulated

GOT QUESTIONS?