hoermann-finanz.de

Hörmann Allfinanzberatung is the financial coaching and advisory practice of Nicolai Hörmann, a certified wealth adviser and financial coach (BDV and IHK). It helps clients make sense of their finances through personal, cross-sector advice tailored to their circumstances, goals, and budget. Services cover budgeting and savings, investments, insurance, financial protection, retirement planning, property aspirations, and wealth building.

Hörmann first reviews a client’s income, expenses, existing cover, and financial products, then develops a suitable strategy and presents options for the client to decide whether and how to implement. Meetings can take place by video call, at the client’s home, or in person, and are typically around 90 minutes. The practice also offers ongoing support as clients’ circumstances change, including help with savings and protection goals and assistance with insurance claims.

Financial coaching has no direct fee; if clients take out products, commissions are included in product costs rather than paid directly. Hörmann emphasizes understandable explanations, transparent advice, and keeping clients’ wishes and interests at the centre of the process