Your finances are connected. Your plan should be too.
Retirement planning, taxes, insurance, home ownership and wealth all influence each other. ProGuide brings together the topics that matter to you – so you can understand your options, recognise priorities and make well-founded financial decisions.
What you decide in one place often has an impact elsewhere.
A child changes more than your daily routine. It also affects your budget, your protection needs, your taxes, your retirement planning and who is the beneficiary if something happens. Marriage, buying a home, changing jobs or retiring likewise affect several areas at once. ProGuide makes the relevant connections visible before you decide.
- New family member – Budget
- New family member – Protection
- New family member – Taxes
- New family member – Retirement
- New family member – Estate & beneficiaries
Four principles. One clear basis for decisions.
We start with your situation – not with a product.
Understand
What is on your mind, where do you stand and what do you want to achieve?
Connect
Which financial topics influence each other?
Compare
Which courses of action make sense? Where it adds value, we review suitable providers.
Decide
You understand the options and their consequences. You decide.
This is how we advise – regardless of how extensive our collaboration becomes.
Three perspectives. One complete picture.
What we look at when assessing your situation.
Stability
How resilient is your financial foundation? For example reserves, obligations and risks.
Efficiency
How well are you using your options? For example costs, taxes and retirement structure.
Progress
How well do your finances support your goals? For example home ownership, wealth and retirement.
A single decision can affect all three perspectives at once.
From an initial assessment to your personal financial roadmap.
ProGuide Lite
Your first personal assessment after the initial consultation.
We record which topics are relevant, which connections are already apparent, which questions remain open and which next steps seem sensible. It is a compact assessment, not a conclusive analysis.
ProGuide
Your in-depth financial roadmap, when commissioned.
We analyse the agreed topics in more detail, review options and explain the differences. The result is your personal financial and action plan with reasoned recommendations and priorities.
Prepared for
Max & Lisa Muster
Date
February 15, 2026
Financial triangle · Illustrative example
Key findings
Recommended next steps
Illustrative example – no real client data
Personal financial plan for
Max & Lisa Muster
8 pages
February 2026
Table of contents
Options comparison (preview)
Roadmap
Now
Pillar 3a
Insurance
Next
Taxes
Investments
Later
Home
Estate planning
Illustrative example – no real client data
Not simply more information. A plan you can follow.
Depending on the engagement, your roadmap includes:
Starting point & goals
Where you stand today and what you want to achieve – recorded in your own words.
Starting point & goals
As much advice as your situation needs.
Every stage is voluntary. You decide how far we go together.
Initial consultation
Clarify your situation and goals.
ProGuide Lite
A first compact assessment.
ProGuide – when commissioned
Explore the agreed topics in depth and develop your roadmap.
Quotes, implementation, support – optional
Only if you wish and by agreement.
The Financial Check can be helpful before the consultation, but it is not a requirement. Go to the Financial Check
Advice on a single topic or a review for existing clients is also possible without ProGuide.
Which financial question is on your mind?
Family & home ownership
How do mortgage, budget, protection and retirement planning fit together?
Learn moreJob change or separation
What does the change mean for your pension fund, income and taxes?
Learn moreRetirement
Pension or lump sum – and what does that mean for taxes and wealth?
Learn moreBuilding wealth
How much of a reserve do I need, and how do I invest in line with my goals?
Learn moreOr go straight to a topic:
Frequently asked questions about ProGuide
Which financial decision are you facing right now?
Whether it is one specific question or several topics coming together: we start with your situation and work out together what support makes sense.