Photovoltaik-Freiflächenanlage

Pillar 03 · Property & solar as an investment

Paying tax is optional. So is building wealth.

Above roughly €70,000 of taxable income, 42 cents of every extra euro go to the tax office. Real assets flip that equation: they lower your tax bill today and build wealth that pays you rent or sells electricity.

Book a free call →See the two routes
Free30 minutesBy videoLicensed
0%
up to instead of 2 % a year
Depreciation on an existing property with a remaining-useful-life appraisal
0%
around instead of 3 % a year
Depreciation in the first four years on a QNG-certified new build
0%
deductible upfront
of a solar park investment, in the year before you buy (investment deduction, § 7g)

Two routes

The state chips in. You decide how.

Same lever, two ways in: depreciation in the early years lowers your taxable income. Which route fits depends on budget, horizon and how much you want to hold in your own hands.

01
New-build apartment house at dusk

Buy-to-let property

For high earners looking for a rented flat as an investment.

The tenant pays off the flat, the tax office chips in through depreciation. Every year, as long as you let it. How much depends on the property.

Existing property: an appraisal of the remaining useful life raises the depreciation. QNG new build: two depreciations at once in the first years.

02
Ground-mounted solar park under a cloudy sky

Solar park

For anyone with a high tax bill who wants predictable income from selling electricity.

Invest in a solar park and you become a business owner. That opens a tax lever closed to private investors: a large part of the investment reduces your income before the plant is even built. After that, it produces electricity for 20 years.

An honest read

Who this pays off for.

A good fit if

  • You pay the top tax rate or are close to it, so from roughly €70,000 of taxable income.
  • You think in ten years and longer. Real assets reward patience, not speed.
  • You bring equity or a clean credit profile for financing.

Less of a fit if

  • You need the money within the next five years.
  • You have no reserve for the unexpected yet. That comes first.
  • You want something without any risk. Real assets do not offer that.

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How it works

Simple. Transparent. No obligation.

Intro call

30 minutes by phone or video. You tell us where you stand and what is on your mind.

Analysis

If there is a fit, we work through your finances together. The result is a written plan that is yours to keep.

Implementation

We walk you through the right products and strategies. You decide what to move forward with. We handle the rest and stay your point of contact.

The people behind it

Four founders. One standard.

Heiko Himmel
Heiko Himmel
Yannik Weber
Yannik Weber
Vitali Freisinger
Vitali Freisinger
Valentin Bockstaller
Valentin Bockstaller
Würzburg head office, advisors across GermanyLicensed and listed in the German broker registerEnglish & German advice in both languagesSame working day we usually get back to you

Frequently asked

Questions, answered.

01What happens on the intro call?+

We start with a phone call. You tell us where you stand and what is on your mind. If there is a fit, we follow up with a personal financial analysis and a written plan that is yours to keep.

02Do you only advise on property, or do you hold your own?+

Both. Our team sources, holds and sells properties from our own portfolio and through a network of vetted developer partners across Germany. Clients get access before properties hit the open market, with financing and tax structuring built in from day one.

03Is there a minimum level of wealth to work with you?+

No hard minimum. Our work is most valuable for high earners and entrepreneurs in Germany who carry a significant tax and social security burden and want their finances to work harder.

04How are you paid, and how is that different from a bank advisor?+

Depending on the best solution for you, we work on a fee basis or receive a commission from product providers. Either way, we explain our compensation clearly at the start of the first meeting.

Free call

One call, and you know more.

30 minutes, free and without obligation. One of us calls you back, usually on the same working day.

  • 30 minutes by phone or video
  • A fixed point of contact, no call centre
  • We usually call back the same working day
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