HORBACH Munich Expats Team

If you’re an expat in Germany, you should get to know us. HORBACH Munich Expats Team offers compact information, custom-made plans and flexible possibilities.


Our expertise includes:


- A cost-free check of existing German insurance contracts

- A clear overview of your current financial status, including possible optimizations

- Individual financial strategies to reach your short-term, mid-term and long-term goals

- Protection of your liquidity and existence

- Insurances must haves - including health insurance and anonymous risk assessments

- Stock market dependent and independent investment opportunities, featuring exclusive providers

- Real-estate purchase or financing

… as well as recommendation of further add-ons or edits to your portfolio tailored to your specific needs


Our processes are hassle-free, we take care of every detail along the way.


Since we don’t have any products of our own, we represent only the best companies in the market on each field. At the end of the day you can rely on our expertise to make a well-founded decision and lay the foundations of your financial plan.


Be it webinars, live Q&As or on-/offline consultations in English, German and Spanish - You choose the channel, we provide the experience. Profit from your status as an expat and our love for quality.


We are HORBACH Munich Expats Team - because financial freedom should be a right, not a privilege.  


HORBACH Munich Expats Team is a team of specialists within the company’s Munich team.


HORBACH is a Germany-wide financial consultancy company founded by Michael Horbach in 1983 in Cologne and specialized in financial planning. We provide consultancy services, as academics for academics, aiding clients to achieve financial freedom through planning. The company has no products of its own, thus it represents different companies in the market; all thanks to over 400+ professionals in our back-office in Hannover. This guarantees the quality seal behind our brand through our “best-select” principle, together with the qualifications and skills of our consultants.


We provide financial services mostly but not mainly for academics, entrepreneurs and private clients. The company has been repeatedly awarded for the quality of our services and our state-of-the art digital processes and technologies, as well as for our reputation as employers. Our team seeks to enrich the Horbach Munich portfolio even further by providing high-skilled migrants Germany-wide with the company’s quality-standard and expertise to, regardless how long they seek to remain in the country. 


Get to know us during our webinars in our series of four selected topics that are meant to help you set the foundation for your finances in Germany but also for all stages of your life. 





Balanstr. 73, Building 12, second floor | 81541 Munich