Basic allowance (Grundzulage)
50%
State subsidy on your contribution
50% state subsidy on the first €30 of your monthly contribution, 25% on further contributions up to €150.
Joshua Ferbitz
Adviser in training
Listen, understand. Move forward together.
Joshua Ferbitz
Adviser in training
Listen, understand. Move forward together.
Joshua Ferbitz
Adviser in training
Listen, understand. Move forward together.
Background
As a structured listener and detail-oriented analyst, I'm by your side with retirement planning, investing and insurance cover, and you can rely on me. What counts for me isn't off-the-shelf solutions but clear facts and your individual goals. I help you move forward financially.
Joshua Ferbitz
-
A-levels
A-levels (Abitur) in 2025, Geschwister-Scholl-Schule Zossen.
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2026
Joined Finance Unity in March 2026.
-
Studies
Since October 2026, dual degree in business administration specialising in real estate management.
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since 2026
Training with Patrick Kretzschmar.
Background
As a structured listener and detail-oriented analyst, I'm by your side with retirement planning, investing and insurance cover, and you can rely on me. What counts for me isn't off-the-shelf solutions but clear facts and your individual goals. I help you move forward financially.
Joshua Ferbitz
-
A-levels
A-levels (Abitur) in 2025, Geschwister-Scholl-Schule Zossen.
-
2026
Joined Finance Unity in March 2026.
-
Studies
Since October 2026, dual degree in business administration specialising in real estate management.
-
since 2026 today
Training with Patrick Kretzschmar.
Background
As a structured listener and detail-oriented analyst, I'm by your side with retirement planning, investing and insurance cover, and you can rely on me. What counts for me isn't off-the-shelf solutions but clear facts and your individual goals. I help you move forward financially.
Joshua Ferbitz
- A-levels
A-levels (Abitur) in 2025, Geschwister-Scholl-Schule Zossen.
- 2026
Joined Finance Unity in March 2026.
- Studies
Since October 2026, dual degree in business administration specialising in real estate management.
- since 2026
Training with Patrick Kretzschmar.
My topics within the network
What I don't cover, a colleague does. One click takes you there.
Joshua Ferbitz
4 of 10 topics
- Investment advice Investing with a clear time frame
- Retirement planning What remains after working life
- Insurance advice Which risks you shouldn't carry yourself
- Company pension A pension that runs through your employer.
- Private health insurance Covered within the network
- Advice for managing directors Covered within the network
- Business insurance Covered within the network
- Investing capital Covered within the network
- Financing Covered within the network
- Investment property Covered within the network
My topics within the network
What I don't cover, a colleague does. One click takes you there.
Investment advice
Investing without handing your money to a product you don't understand.
ETFs and funds · Building a portfolio · Savings plans · Ongoing adjustment
Retirement planning
Knowing what will be left later, while there is still time to change it.
Statutory pension · Occupational pension · Private pension · Review of existing contracts
Insurance advice
Covering what would cost you your standard of living if it happened. And knowing why the rest isn't part of it.
Liability · Income protection · Home contents · Legal expenses
Company pension
For employees who want to assess an offer from their employer or review a company pension.
Assessing salary conversion · Assessing the employer contribution · Comparing the available schemes · Clarifying a change of employer
More topics in the network (6) Show more topics
- Private health insurance To a colleague in the network
- Advice for managing directors To a colleague in the network
- Business insurance To a colleague in the network
- Investing capital To a colleague in the network
- Financing To a colleague in the network
- Investment property To a colleague in the network
My topics within the network
What I don't cover, a colleague does. One click takes you there.
- Investment advice ETFs and funds · Building a portfolio · Savings plans · Ongoing adjustment
- Retirement planning Statutory pension · Occupational pension · Private pension · Review of existing contracts
- Insurance advice Liability · Income protection · Home contents · Legal expenses
- Company pension Assessing salary conversion · Assessing the employer contribution · Comparing the available schemes · Clarifying a change of employer
More topics in the network (6) Show more topics
- Private health insurance To a colleague in the network
- Advice for managing directors To a colleague in the network
- Business insurance To a colleague in the network
- Investing capital To a colleague in the network
- Financing To a colleague in the network
- Investment property To a colleague in the network
From 2027, the state will subsidise your retirement savings
50% state subsidy on the first €30 of your monthly contribution, 25% on further contributions up to €150.
Child allowance (Kinderzulage)
€300
Child allowance per child per year
For every child eligible for child benefit (Kindergeld): 100% on the first €25 of your monthly contribution. From €25 a month you reach the full amount.
One-off bonus
€200
Career starter bonus
A one-off payment for everyone who takes out their first contract before their 25th birthday.
Who I work with
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Time
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Thank you.
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