ETF
Why time in the market beats timing.
LinkedIn post
Munich · Financial Planning & Education
Niklas Schöffler — Financial Planning in Germany.
I'm Niklas Schöffler, a financial planner and educator in Munich. I help professionals, engineers and international employees optimize taxes, build long-term wealth and make confident financial decisions — clearly explained, in English or German.
Free 30-minute intro call · No obligation · Online or in Munich
Munich · Deutschland
Niklas Schöffler
Financial Planning
Trust
A calm, honest way to work with money.
Long-term relationships built on education — not on sales.
200+ People Advised
7 Years of Industry Experience
5+ Years Self-Employed
Based in Munich
Serving Clients Across Germany
English & German Consultations
Who I help
You might recognise yourself here.
I work best with people in one of these situations.
“I've just started my career.”
“I've recently moved to Germany.”
“I want to invest for the future.”
“I want to optimize my taxes.”
“I want financial clarity.”
“I want to protect my income.”
How I help
Outcomes, not products.
Every conversation focuses on what you want to achieve — and how to get there with clarity.
Build Long-Term Wealth
A calm strategy that works for decades on your behalf — without needing to predict markets.
Protect Your Income
Cover only the risks that are genuinely existential. No cent on the unnecessary.
Optimize Your Taxes
Understand the levers in the German system — from Freistellungsauftrag to occupational pension.
Create a Personal Strategy
A plan that fits your life — not a template.
Understand Your Money
Concepts explained clearly, so you can make good decisions with or without me.
Plan Your Retirement
Statutory, occupational and private — how they fit together for you.
My approach
Financial planning should be understandable.
I believe good financial decisions come from understanding — not from sales pressure. My goal is to educate first: to explain the concepts so clearly that you feel confident deciding for yourself.
I focus on long-term relationships, not short-term transactions. Planning is a conversation that continues as your life evolves.
Education first
I explain concepts until they're clear — not until you sign.
Long-term relationships
I'm here for the years ahead — not just the first meeting.
No sales pressure
You decide, in your own time. Always.
Latest insights
Follow on LinkedInFrom my LinkedIn.
Short reads on money, taxes and long-term thinking in Germany.
Tax
Three tax levers most people miss.
LinkedIn post
Retirement
The true long-term cost of private health insurance.
LinkedIn post
Ready to talk?
Book a free 30-minute call. We'll get to know each other and see if working together makes sense — no pressure, no preparation needed.
Book a Free Intro Call