Over 30 years, one profession. And every figure with a source.

The person

Who is advising you here?

Michael Jung · Broker specialising in tangible assets · Insurance broker

“I advise my clients the way I would like to be advised myself.”

1. 1996Certified Insurance Specialist (Geprüfter Versicherungskaufmann, IHK)
2. 2003Certified Finance Specialist (Geprüfter Finanzwirt, bbw)
3. 2005Master Consultant in Finance
4. 2016–17Senior Consultant, precious metals advisor (Edelmetallberater, GG-Akademie Berlin)
5. 2021Certified under DIN 77230, the German standard for financial analysis (DEFINO)
6. 2023Florida Premium Real Estate certification

View certificates

• Florida Premium Real EstateIssued 2023
• Master Consultant in FinanceIOFC Berlin · 2005
• Certified Finance Specialist (Geprüfter Finanzwirt, bbw)bbw Akademie, Berlin · 2003

Insurance broker licensed under § 34d GewO · German register of intermediaries D-5D7P-3694H-28

How we work

How you can tell who someone works for.

1. 01

   Broker, not agent

   A tied insurance agent works for a company. A broker under § 34d(1) GewO works for the client and is liable to the client for the recommendation. Michael Jung is a broker. That is the whole difference.

2. 02

   Every figure with a source

   There is no figure on this website without a source and a date. Where something is only being demanded, we write demand and not law. We keep to that in conversation as well.

3. 03

   Your pace

   Initial consultation, analysis, implementation. Between the steps you may take as much time as you need.

Read on

Everything this website has to say.

• Asset protection

  Five things about money that almost everyone believes.

  Bank, inflation, insurance, the state and inheritance, fact-checked with law and source.

  Read more →

• Bank failure & deposit protection

  From the 100,001st euro, you have no legal claim.

  The Volksbank Brawo case, bail-in, and how much of your balance is protected.

  Read more →

• Inheritance tax 2026

  Your tax-free allowance has been frozen since 2009.

  What the court in Karlsruhe reviews in October, and how much tax your heirs would pay.

  Read more →

• Life insurance

  Guaranteed does not mean untouchable.

  § 314 VAG, § 222 VAG and a protection fund of one per mille. With a benefit-cut calculator.

  Read more →

• Wealth levy

  The Lastenausgleich is history. The article in the constitution is not.

  What really happened in 1952, what the DGB is demanding in 2026, and what both have to do with you.

  Read more →

• Inflation & purchasing power

  Two percent sounds harmless. After twenty years, it is a third.

  What is left of your savings in 5 to 30 years, with interest taken into account.

  Read more →

• Gold & silver

  Gold belongs to you. It is still not free.

  Premium, spread and storage costs set out openly, including the point at which you break even.

  Read more →

• Buy gold

  This is where we buy gold and silver. Storage free of charge.

  Physical metal from €50 through NOVEM Gold, insured in a vault. With a calculator: what do you need for €1,000 more pension?

  Read more →

• Property in Florida

  A house in Florida. First the big picture, then the details.

  Property in US dollars · newly built in the north of Cape Coral · costs, taxes and renting at a glance.

  Read more →

• US company

  Your own company in the USA. A foothold outside Germany.

  Registered online, with an account in dollars. With a step-by-step roadmap and the real costs.

  Read more →

• US account

  250,000 dollars protected instead of 100,000 euros.

  What US deposit insurance covers, how much of your savings would be protected and how the appointment in Florida works.

  Read more →

• Services

  Four building blocks, one plan.

  Gold and silver, insurance, property in Florida and a wealth review: what we actually do for you.

  Read more →

Which services follow from this is set out under Services. Mandatory information, supervisory authority and arbitration boards are in the Legal notice.