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.
Lilly Kretzschmar
Insurance broker
Money is not an end in itself, but a means to freedom.
Lilly Kretzschmar
Insurance broker
Money is not an end in itself, but a means to freedom.
Lilly Kretzschmar
Insurance broker
Money is not an end in itself, but a means to freedom.
Background
Freedom, fairness and self-determination are the values that drive me. I want to help people shape their lives on their own terms and become financially independent.
Studying law shaped my analytical and structured way of thinking. I love understanding complex connections and developing individual solutions. For me, the focus is always on the person, their personal goals and their individual needs.
Lilly
Kretzschmar
-
A-levels
A-levels (Abitur) 2018
-
2018
Voluntary social year in Tübingen
-
2020
Law studies in Tübingen, semester abroad in Madrid
-
2024
Training with Andreas Lipinski
-
2026
Passed the IHK examination
Background
Freedom, fairness and self-determination are the values that drive me. I want to help people shape their lives on their own terms and become financially independent.
Studying law shaped my analytical and structured way of thinking. I love understanding complex connections and developing individual solutions. For me, the focus is always on the person, their personal goals and their individual needs.
Lilly
Kretzschmar
-
A-levels
A-levels (Abitur) 2018
-
2018
Voluntary social year in Tübingen
-
2020
Law studies in Tübingen, semester abroad in Madrid
-
2024
Training with Andreas Lipinski
-
2026 today
Passed the IHK examination
Background
Freedom, fairness and self-determination are the values that drive me. I want to help people shape their lives on their own terms and become financially independent.
Studying law shaped my analytical and structured way of thinking. I love understanding complex connections and developing individual solutions. For me, the focus is always on the person, their personal goals and their individual needs.
Lilly
Kretzschmar
- A-levels
A-levels (Abitur) 2018
- 2018
Voluntary social year in Tübingen
- 2020
Law studies in Tübingen, semester abroad in Madrid
- 2024
Training with Andreas Lipinski
- 2026
Passed the IHK examination
My topics within the network
What I don't cover, a colleague does. One click takes you there.
Lilly Kretzschmar
3 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
- 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
- Company pension 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
More topics in the network (7) 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
- Company pension 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
More topics in the network (7) 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
- Company pension 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
Not tied to a single provider.
Write to me directly
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Write to me directly
No call centre, no forwarding. Your message reaches me.
Lilly Kretzschmar Insurance broker No suitable time? Write to me.
Choose a time
Time
Please choose a day first.
Your details
Thank you.
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Book a time
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01 Choose a time
Time
Please choose a day first.
02 Your details
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Thank you.
Non-binding enquiry