For private clients
With me, you’ll get an honest analysis of your situation, ongoing support and products only when you really need them. I work on a fee basis, so that my focus is on you and not on commissions.
„Alex hat sich für mich richtig reingehängt““Alex really went to bat for me”
„Alex hat eine Ablehnung der gewünschten Berufsunfähigkeitsversicherung nicht hingenommen. Er ist drangeblieben, hat mit mir ein Schreiben aufgesetzt – und dann hat es geklappt! In diesem Moment habe ich gemerkt, dass ich bei Alex keine Nummer bin.““Alex would not accept a rejection of the income protection cover I wanted. He stuck with it, drafted a letter with me, and then it worked out. That was the moment I realised that with Alex I am not just a number.” Translated from the German original.
The problem
No sooner have you signed on the dotted line than you’re quickly left to your own devices. The promises sounded good. ‘I’ll be in touch regularly’. But unfortunately, there’s been radio silence ever since.
Letters containing rising premium invoices and the monthly direct debits keep reminding you that you actually have no idea what you’re paying for anymore. At the same time, you’re caught up in a merry-go-round of advisers, the third one you’ve dealt with in just a few years. Each one sells you something new; each one claims that the old arrangement no longer works. In the end, you’ve lost one thing above all else, money and trust.
Whilst your life is changing (a new job, a higher salary, a family or your own home), your strategy simply remains the same. You feel that you need to make some adjustments, but nobody gets in touch. You, too, keep putting it off, though, because you lack an overview and don’t fancy going through the whole process all over again.
The bottom line is that at some point you’ll feel you’ve been taken for a ride. You’ll be annoyed that you trusted them blindly and may already suspect that it will take you years to recoup your heavy losses.
The problem isn’t your trust.
It’s a system that leaves no room for long-term service.
The solution
I am Alexander Weißbrich. As an insurance broker and investment adviser* in Braunschweig I work on a fee basis. That means I am not paid for selling, but for my time, my expertise and what I actually create for you. My focus is on you. Not on a commission.
For me, tangible service is part of the package.
The Service Concept shows you exactly what that looks like.
„Auch wenn es schwierig wird, bleibt Alex dran““Even when it gets difficult, Alex stays on it”
„Unsere Tochter hat eine harmlose, vererbte Auffälligkeit im Herzbereich. Dadurch konnten wir die geplanten Versicherungen nicht abschließen. Alex hat alles Menschenmögliche versucht und gibt nicht auf. Dieses Dranbleiben, auch wenn es schwierig wird, ist einer der vielen Gründe, warum wir ihm mittlerweile blind vertrauen.““Our daughter has a harmless inherited heart condition. Because of it we could not take out the cover we had planned. Alex tried everything humanly possible and is still not giving up. That persistence, even when things get difficult, is one of the many reasons we now trust him completely.” Translated from the German original.
The services on offer
Analysis, service and placement, cleanly separated. I do not look after anyone whose situation I do not know, which is why the analysis always comes first. The service is its own product with its own honest price. That way I never have to sell you anything in order to look after you.
Analysis
Your current situation
To start with, we’ll look together at where you really stand. To do this, I’ll carry out a standardised DIN analysis at a fixed price. The result is yours to keep, in the form of a document. Theoretically, you could even take it to any other adviser. And if you’re part of the Service Concept, your analysis will automatically remain up to date, as we’ll be in regular contact anyway.
Services
Long-term support
Your finances aren’t a project that’ll ever be finished. Your life changes, the markets change, and rates certainly do. So let’s keep at it together. We’ll check whether the path you’re on still fits your goals. We take our time to evaluate new products and trends. We incorporate whatever helps you move forward. Check-ups and annual reviews provide a solid framework for the whole process. You stay up to date without having to chase things up.
Sales
It’s part of the package, but not the main focus
Sometimes you need a new product, which I’d be happy to sell to you. This sale follows clear rules. For certain matters, I forego the commission and work fee-based. For others, there are simply no fee structures available, so the commission applies. And where both options are possible, we’ll discuss openly which approach you prefer.
Contingency planning
If you are no longer able to make decisions for yourself, a court-appointed guardian or a family member will take over. Both are bound by strict bureaucratic guidelines. To ensure that your trusted representatives can act freely on your behalf, we make the necessary arrangements as part of my service system. Legally valid powers of attorney, stored centrally, and a detailed emergency plan so that your trusted representatives know exactly what to do and where to find all the important information. In an emergency, both are immediately available, and your wishes will be carried out exactly as you have previously specified.
Included in the Premium Package
As part of the Premium Service Concept, your contingency planning is automatically included and is reviewed during the annual meetings.
About our Service ConceptAvailable as a standalone product
Would you just like the contingency planning? That’s possible too, as a standalone product with a fixed price.
Book a callAn overview
Building wealth, protection, insurance, retirement provision or anything to do with property. You will find my full range of services in the overview on the home page.
The Roadmap
Good advice requires structure, time and trust. That is why our collaboration follows a clear, step-by-step process. This way, you always know where we stand, what comes next and what you can rely on.
We’ll discuss where you’re at, what you’re looking for and whether we’re a good fit.
I will carry out a standardised analysis of your situation and discuss it with you in detail, covering every aspect.
If you’d like to make any changes following the analysis, I’ll provide you with specific recommendations on what to do.
We’ll make your wishes a reality. All costs are disclosed upfront, and wherever possible I work on a fee basis, with no initial commission or hidden costs.
As part of a long-term partnership, I will manage your third-party contracts; you will receive a personal assistance service for financial matters and other exclusive additional services that go far beyond the usual scope.
„Ich bin mit der professionellen und sehr freundlichen Beratung rundum zufrieden und kann mich auf Alexander komplett verlassen!““I am thoroughly happy with the professional and very friendly advice and can rely on Alexander completely.”
„Ich bin schon seit vielen Jahren bei Alexander in Beratung, durch verschiedene Lebensphasen hindurch, Studium, Ausbildung, Berufsleben, etc. Hier hat sich Alexander immer wieder auch in komplizierte Sachverhalte eingefuchst, um die beste Lösung für meine Finanzen zu finden.““Alexander has advised me for many years now, through different phases of life: studying, training, working life and so on. Time and again he has dug into complicated matters to find the best solution for my finances.” Translated from the German original.
Who’s behind it
After 15 years and having supported over 1,000 clients, I know that the best advice isn’t always the one that results in a client taking out lots of new policies. That’s why I’ve left the commission-based business behind. Today, I work on a fee basis as an insurance broker and point of contact for a comprehensive financial system tailored to each of my clients’ individual needs. I do this together with a team of specialist partners.
Since 2018 I have worked entirely digitally, at the moment from the USA.
Find out more about meFrequently Asked Questions
We’ll sort that out during our introductory call. You’ll know exactly what to expect beforehand. It’s transparent and there are no hidden costs. We ALWAYS find a solution, as honest, transparent cooperation on these matters should never be a question of how much money you have in the bank.
Because I tell you transparently right from the start how I earn my money and what services you can expect, and on what terms. No hidden commissions, no sales pitch disguised as advice, and no disappointed expectations due to false promises. And if, after the introductory call, you realise it’s not a good fit, then it’s not a good fit. We both need to be able to envisage working together.
You have a financial system that grows with you. No contracts that gather dust. No gaps that you only notice when a claim arises. And a point of contact who’s there for you before anything goes wrong.
Contingency planning is a separate service. You can commission it separately, even without a full mandate. Anyone already registered with the service system receives it at a reduced rate.
The reason is practical. With my own clients, I have direct access to all contract details. This makes the process quicker. It saves time in the set-up phase, and I pass these savings on to you.
Straight answer: There are some products on the market that are not available commission-free, or where the fee is out of proportion to the savings on commissions. However, this is the exception. Wherever possible (and this is the case for most financial products), as an insurance broker and investment adviser, I do not accept commissions. You know exactly in advance which costs will arise, and when.
I’ll have a look at them. If they’re good, they’ll stay. If not, I’ll let you know. And if possible, I’ll add them to my portfolio. Then you’ll have just one point of contact for everything. Importantly, you can work with me even without taking out a policy with me. True to my credo, truly successful clients aren’t constantly encouraged to take out new policies, but are supported with their plans over the long term.
I work entirely digitally, at the moment from the USA. Braunschweig is my core area, but I work with clients worldwide (I am fluent in both English and German). The one requirement is that you have a valid registered address in Germany.