LK Finanzkonzepte

LK Finanzkonzepte, led by financial adviser Lena Kottbauer, provides independent, personalized financial planning for individuals and businesses in Passau and throughout Germany. Its approach brings multiple financial needs together in one coordinated plan, with a single point of contact and solutions selected from a broad range of financial companies and product partners.

Services cover wealth building and preservation, investment strategies, financing, banking products, insurance, retirement planning, and tax-related savings opportunities. For businesses, the advice also addresses risk protection, company finances, employee benefits, and long-term planning, helping owners manage financial responsibilities while focusing on growth. Plans are tailored to each client’s goals and circumstances rather than based on a standard package; reviewing existing arrangements does not necessarily mean replacing them.

The process begins with a free, non-binding introductory conversation, followed by a review of relevant financial areas and the development and implementation of an individual plan. LK Finanzkonzepte reports more than 580 completed financial concepts, over 95 businesses supported, and more than ten years of advisory experience.