Retirement Planning · DIN 77230 standard

Your retirement in Germany. Clear. Structured. Transparent.

I'm Martin Kaplar, retirement planner at mitNORM. I help you navigate the German pension, tax and social security system – from your pension gap to taxes, health insurance and keeping your wealth in the family.

Get your free Retirement Check How it works

Free & without obligation · DIN 77230 analysis · English-speaking advice

Retirement planning in 90 seconds Martin Kaplar explains what the Retirement Check is about

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Sound familiar?

The questions that really matter before retirement

Most people plan their next vacation more carefully than 30 years of retirement.

Will it cover our standard of living?

The pension gap is usually bigger than expected – especially on a good income.

Can we afford our plans and dreams?

Travel, hobbies, grandchildren: dreams need a planned budget.

What will my income sources be?

Only the right structure turns assets into reliable monthly income.

What's left after taxes and health insurance?

Plan with gross figures and you'll miss hundreds of euros a month later.

How do I pass on wealth wisely?

Settled early means less inheritance tax and no family disputes.

What about the property?

Keep, rent out or sell – the overall plan provides the answer.

The free Retirement Check

One analysis. All the answers. In black and white.

Structured along DIN 77230, the German standard for household financial analysis – no product pitch, just clarity first.

Your pension gap – in euros

The gap between your desired lifestyle and your future income – in euros.

Taxes & health insurance in retirement

What's really left after deductions – and which levers you can pull.

Income & asset structure

Turning capital, property and insurance into predictable income.

Estate & powers of attorney

Will, power of attorney, tax allowances – what matters now.

Martin Kaplar Retirement Planner · mitNORM

Analysis along DIN 77230
Free & without obligation
45–60 minutes, online or in person
Family members welcome to join

Request appointment

How it works

Three steps to your retirement plan

Send your request

Leave your details – Martin gets back to you personally within 24 hours.

Retirement Check

45–60 minutes, online or in person: income, assets, protection, estate.

Your personal plan

Concrete, prioritized recommendations – you decide what to implement.

Your advisor

Martin Kaplar – Retirement Planner at mitNORM

Porträtfoto einsetzen

"I help you make your retirement plannable, worry-free and transparent – following clear standards, with the whole family in mind."

Martin explains the German system in plain language – from the pension gap to estate planning. He advises internationals and their families in English, and is happy to include your children in the conversation.

[PLACEHOLDER: qualification] – e.g. certified retirement planner
[PLACEHOLDER: X years] of experience advising private households
Holistic analysis along DIN 77230 – the German standard for financial analysis
Focus areas: retirement income, wealth protection, estate planning
[PLACEHOLDER: location] – advice across Germany, also via video call

For sons & daughters

Worried about your parents' finances?

Many requests now come from the next generation: people between 30 and 45 who want to clarify early what happens in a care situation, how to avoid inheritance disputes and whether their parents are truly well set up. The Retirement Check is made for exactly that – ideally together with your parents.

Long-term care

Who really pays? What can children be liable for – and how can you still cover the risk today?

Powers of attorney & will

Without a power of attorney and a clear estate plan, it's not the family who decides in an emergency. We show which documents matter now.

Inheritance without conflict

Early, transparent arrangements and well-used tax allowances keep wealth together – and the family, too.

Request a family consultation

FAQ

Good to know

What does the Retirement Check cost?

Nothing. The Retirement Check is free and without obligation. Only if you later decide to implement recommendations with Martin do costs or commissions arise – discussed transparently beforehand.

Who is the Check for?

Especially for anyone around 50+ retiring within the next 5 to 15 years – employees and self-employed alike, including internationals working in Germany. The earlier you plan, the more room you have. Children who want to raise the topic for their parents are expressly welcome.

What is a DIN 77230 analysis?

DIN 77230 is the German standard for the basic financial analysis of private households. It objectively defines which topics are analyzed in which order – independent of products or providers. You get a structured, traceable analysis instead of a sales pitch.

Do I need to prepare documents?

A rough overview is enough for the first meeting (pension statement, existing contracts, assets). You'll receive a short checklist beforehand.

Is the consultation online or in person? In English?

Both are possible – most meetings happen conveniently via video, in English or German, and family members can join from different locations.

Does the Check replace tax or legal advice?

No. Where needed – e.g. for wills or complex tax structuring – we work with tax advisors and specialized lawyers, or recommend involving them.

Get started

Get your free Retirement Check

Leave your contact details – Martin will get back to you personally within 24 hours to arrange an appointment that suits you.

Request your Retirement Check

Free & without obligation · reply within 24 hours