Retirement planning
& property
financing.
AV and Finanzierung specialist for expats in Germany — advising fully in English and Persian.
The gaps most expats
don't know they have.
bAV, Riester, Rürup, private Rentenversicherung — four paths, zero clarity. Most expats don't know which applies, what they're missing, or which one is costing them money.
Banks say no. Advisors don't speak your language. You have a solid income but no clear picture of what you qualify for — or how German property financing actually works.
AV contributions can significantly reduce your taxable income — but only when set up correctly. Most expats pay the full rate without ever needing to.
German bureaucracy is already complex. Milad advises exclusively in English and Persian — so nothing gets lost in translation and you understand every step.
"Your retirement and your home are both achievable — but only with an advisor who speaks your language and truly understands the German system."
AV & Finanzierung
Planner
Adjust your situation. Numbers update live based on real strategies Milad uses with clients across Germany.
Estimates based on German AV benchmarks. Milad calculates exact numbers in a free call.
Get my exact AV numbersOrientation values. Actual financing depends on lender, property, and your full credit profile.
Check my financing optionsFrom first message to solid plan.
Everything in one place.
Private Rentenversicherung, bAV, Rürup-Rente — Milad identifies what applies to your employment type and tax class, builds real projections, and sets it up.
First-time buyer, Blue Card holder, or self-employed — Milad works with multiple lenders to find your best mortgage rate and guides you from application to keys.
AV contributions, double-taxation treaties, expat deductions — Milad identifies every legal saving for your profile.
ETF portfolios and Fondssparpläne that complement your AV and financing — building long-term wealth alongside your retirement and property goals.
Berufsunfähigkeit, Risikoleben, Haftpflicht — essential coverage explained clearly, without overselling. Only what you genuinely need.
All consultations, documents, and follow-up fully available in both languages. No translation services needed, no misunderstandings.
I know how this
system feels.
Growing up with Iranian roots and building a life in Germany, Milad experienced first-hand how complex the financial system can be for people who didn't grow up in it — and how rarely there's someone to ask.
That's why he specialised in the two areas where expats lose the most: Altersvorsorge (AV) — the retirement system that most people enter without understanding — and Finanzierung — property financing that banks make feel unnecessarily complicated.
His promise: every consultation in English or Persian, no product selling disguised as advice, and a plan that fits your life — whether you plan to stay in Germany or eventually return home.
What clients say.
"I'd been paying into the German system for six years without any idea whether I'd receive a pension. Milad explained everything in Persian, showed me the exact gap, and set up a private Rentenversicherung that reduced my tax at the same time. I had no idea those two things could work together."
"Three banks turned me down for a mortgage because of my Blue Card. Milad knew exactly which lenders work with expat profiles and got me a rate I didn't think was possible. We now own our apartment in Munich."
"Honest advice in English — told me which AV wasn't worth it. Exactly what I needed."
"bAV set up via WhatsApp — saves me €2,400/year in tax. Should have called sooner."
"میلاد یک برنامه یکپارچه طراحی کرد که هم AV و هم خانه را پوشش میدهد. عالی."
Ready to sort your
finances properly?
One free conversation in English or Persian. No jargon, no sales pitch — just a clear picture of where you stand and what's possible.