Life and its vision are specific to each individual. Dreams and goals become tangible and achievable in moments of definition, because if a person does not know which port they are sailing towards, no wind will be favorable. There are also moments when waiting for the right wind or the right moment is nothing more than standing still, and in these moments personal initiative plays a major role. Taking control of your personal finances with qualified financial advice is one of those moments. In this case, taking the helm of life and, if necessary, rowing towards the desired port, i.e. the process during which a vision consisting of personal security and the security of loved ones, and ultimately economic freedom, becomes a reality. Life stories are unique and each person has unique needs. There is no one universal solution or answer to all questions. According to the top principle, achieving a life tailored to your own rules also requires comprehensive and personal planning. So start planning your tomorrow today. A team of qualified financial advisors will support you on this path. Financial independence and economic freedom with a secure partner will become an aspiration and an achievable goal. Personal counseling is not a privilege, but the right of every individual. Horbach Wirtschaftsberatung has been offering solutions and support for financial planning since 1983. Many years of experience in creating financial plans, backed by a range of products resulting from cooperation with more than 150 partners, offer independent, high-quality, tailor-made support for clients. Every life is unique, and therefore at the center of the consulting is you, your personal dreams and plans. Horbach Expats HR stems from the existing Horbach Expats project, which supports highly demanding clients and academics in Germany in solving financial issues. The project’s mission is to provide high-quality personal solutions for highly qualified migrants, on the path to financial freedom. Behind the Horbach for Expats – HR project, stands Marija Ključević. Originally from Zagreb, the capital of Croatia, who came to Germany in 2014 as a young academic, in a new country, faced with a number of challenges and obstacles, she decided to take the initiative and, with her knowledge and professional experience and continuous training, be the person who helps people achieve their desired goals. Marija Ključević, as an independent financial advisor, composes the technical support and know-how of Horbach, the support of specialists for complex topics, provides high-quality, tailor-made client support, in person at the Munich location, and via video throughout Germany. With our support, you will receive answers to questions related to personal insurance, family insurance and pensions, as well as qualified solutions for short-term and long-term investments or real estate acquisitions. Your life plans and needs, which are at the center of the consultation, are translated into a qualified financial plan. It consists of all the elements of your life. Based on the financial situation, monthly income and expenses, proposals for optimization are transparently presented. As a solution for your needs and goals, we offer proven and high-quality solutions that fit your needs and investment mentality. In addition, you are provided with personal counseling. Life is very dynamic, and over the years there is a possibility of changing the personal situation, that is why there is a possibility of updating the financial plan every three years. By agreement, we contact you personally once a year, in order to determine together whether there is a need for updating. ExpatEase Best-Select Quality is extremely important, whether in consulting or product selection. The process that ExpatEase carries out is called Best-Select or the best choice. This means nothing more than offering a solution to needs and wants based on a qualified process. It consists of three parts. In the first part, ExpatEase analyzes companies, organizations or insurance companies that offer products on the German market. Only those providers who meet quality standards, have the trust of consumers, and continuously fulfill client claims, are included in the shortlist. In the next step, the product portfolio of the shortlisted companies is looked at. Every product that ExpatEase considers and offers to clients must also meet high standards. This support is also provided by the independent experts Frank & Bornberg, who have been transparently evaluating the quality of products oriented towards the end consumer for more than 25 years. In the end, as each product is specific, so are you. Based on the given parameters and the consultant’s offer, you are the one who makes the decision to what extent the given solutions suit you and your life. In the end, the question remains: “What drives your life?” Sign up for the next available appointment and do something today for your tomorrow…