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Nowadays, many consultants offer their services under the "guise" of financial advice (usually product sales) or financial planning (computer-supported evaluations on, for example, retirement planning). The products selected are often already decided before we get to know you for the first time. This is not even remotely comparable to the quality of advice provided by Financial Planning. Financial planning is a systematic and multi-stage planning and consulting process that demonstrably generates significant additional added value for you. As mentioned before, most trained financial planners or those who have the qualifications and knowledge work primarily as employees at banks, investment companies, etc. and of course offer their products.