Insurance & retirement planning with Joel Montoya Barea
Understand today.
Feel ready for tomorrow.
What matters to you deserves a good plan. For you, your family and your business.
Ahlen · in person & online
Let’s talk about your plans.
New from 2027Retirement investment account
More possibilities for your tomorrow.
Germany’s new Altersvorsorgedepot combines market-based investing with state support. What is changing – and what could it mean for you?
- Funds & ETFs
- State support
- Long-term retirement
What is your next step?
For every stage of life. For what comes next.
For you and your family.
Explore all topicsRetirement investment account
Funds & ETFs · State support · Long-term retirement
No contribution guarantee. Values can fluctuate and losses are possible.Explore this topicEarning capacity
Protect your income when your health affects your work.
Occupational disability · Basic abilities · Daily sickness benefitExplore this topicHealth
Explore additions and alternatives to your health cover.
Private health insurance · Supplementary dental cover · Supplementary hospital cover · Supplementary outpatient coverExplore this topicFamily
Protect the people who depend on you.
Term life · Funeral expensesExplore this topicRetirement
Plan today for the retirement you have in mind.
Rente Dynamik · Rente Chance · Basis-RenteExplore this topicInvesting for children
Start early and create opportunities for later.
Dynamik · Balance · Chance · IndexExplore this topic
Your point of contact
Your plans. Personal guidance.
I’m Joel. Together, we make sense of your insurance questions and look at what fits your life.
More about meYOUR PATH TO ADVICE
One conversation. A clearer picture.
Get to know each other
Tell me what's on your mind. We'll work through your questions and agree which topics you'd like to explore further.
See the whole picture
We'll look at your current situation, existing policies and goals. That helps us identify the next questions to consider.
Decide in your own time
I'll explain the options clearly. We'll discuss benefits, limitations and costs. You decide what happens next.
Make sense of your numbers.
What would you like to achieve?
Two calculators for an initial overview.
GOOD TO KNOW