Clear budget planning is the foundation for financial security and flexibility. With our budget planning services, we analyze your income and expenses to provide transparency regarding your financial situation. Together, we develop a tailored plan that supports your goals and helps you avoid financial bottlenecks. Use our budget calculator to independently review your finances and take the first step toward a structured financial plan. This way, you not only maintain an overview of your finances but also create room for your future plans.
A long-term investment strategy begins with a clear picture of your financial starting point. Budget planning forms the foundation of that starting point, as it creates transparency around income and expenses – and shows how much capital is actually available for targeted investments and smart financial decisions.
A key factor here is the savings rate: how much of your income remains after expenses – and can be invested long-term or set aside for future goals?
A well-structured budget is not an end in itself, however. It is the first building block of a comprehensive financial architecture. Once there is clarity about income, expenses, and savings rate, the next step is our Holistic Wealth Advice – a structured overview of all assets and liabilities.
Thus, budget planning creates the necessary foundation to develop a complete picture of your overall financial situation – it is the basis for sound and sustainable investment decisions. In planning your budget, we capture not only fixed and variable costs, but also fluctuations and non-recurring items.
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In the October issue of smzh Investment Guide, we explain why the glass is never only half empty and focusing solely on potential downsides may obscure genuine opportunities. History shows that those who stay invested and stay focused on long-term goals are best positioned to benefit as the glass gradually fills up again.
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We handle questions such as those shown on the right on a daily basis. We look forward to supporting you with your investment strategy.
As detailed as necessary, but as simple as possible. The goal is a realistic picture – not perfection.
At least once a year or when major changes occur (e.g., job change, new family member, relocation).
Then we’ll analyze your spending structure together with you and identify optimization opportunities. Small changes can often make a big difference.
