Phase 01
Financial analysis
Where you stand today
For private customers & entrepreneurs
The path to 7-figure wealth — structured tax-efficiently for individuals and businesses.
For families, specialists, managing directors and the self-employed: tax planning, asset accumulation, protection, BAV/BKV and corporate design from a single source.
- Use tax benefits and state subsidies consistently – align insurance, banking costs, BAV/BKV and current expenses privately and operationally
- so that your money provides more each month
- bundle assets, retirement provision, family security and corporate structure in a long-term plan
Current news and Blog articles
Market and legal changes, curated and classified — with the concrete effect on your net income, your hedge, your asset accumulation and your company structure.
Health insurance · 20 October 2026
Statutory Health Reform 2027: When Private Insurance Pays Off – 3 Worked Examples
Higher co-payments, lower dental subsidies: three worked examples (outpatient, hospital, child) show where private health insurance is genuinely better after the reform.
Read the article
Tax law · 12. August 2026
New basic allowance 2026: What now remains net more
The basic allowance increases again and the income tax rate is shifted to the right. For many households, this means several hundred euros per year – if the payroll tax data is correctly stored.
Read the article
Altersvorsorge · 28. Juli 2026
Reform of funded pensions: the new rules of the game
Higher funding rates, more flexible payout models and new investment limits change the bill for private pension contracts — existing contracts should be re-evaluated.
Read the article
Immobilien · 9. Juli 2026
Depreciation & restructuring promotion: use the time window
Increased depreciation rates and promotion programs for energy restructuring run on a temporary basis. Anyone who chooses the order of purchase, renovation and application incorrectly loses the promotion.
Read the article
Absicherung · 21 June 2026
New conditions for disability – is it worth changing?
Current tariff generations often do without abstract reference and shorten forecast periods. For existing customers, however, a change does not automatically make sense.
Read the article
Employee benefits · 10 September 2026
Set up BAV & BKV correctly - what managing directors must consider
Occupational pension and health insurance can significantly reduce taxes and social contributions - if structure, allowance and right to vote fit. For managers and small teams, the check is worthwhile.
Read the article Reality in 2026
The uncomfortable truth about private finances in Germany.
Most specialists and managers, families and managing directors in Germany are advised by people who are ultimately paid to sell a product – not to build a coordinated strategy.
➔ Banken distribute their own equipment. Makler their own policies. Versicherer their own contracts.
➔ Tax advantages and state subsidies are rarely fully utilized privately and operationally — and quietly cost households and companies several thousand euros each year.
➔ Decisions on assets, pension provision, insurance, BAV/BKV and corporate structure are made in isolation – rather than combined in a single long-term plan.
The result: fragmented finances, hidden costs and year after year lost benefits.
The reality: You have accounts, policies, investments, and maybe a company — but not a complete plan that connects everything.
The result: Every year money is lost through avoidable taxes, unused subsidies, expensive contracts, inappropriate protection and unused company provision.
The truth: A well-structured household or a coordinated entrepreneurial structure can realize around 10% of net income per year in additional economic benefit — simply by planning finances as a system rather than product by product.
We do not sell products. We help specialists and managers, families and entrepreneurs in Germany to build a complete financial strategy – for more money, more clarity and more security.
Choose the area that is currently occupying you.
trbmuenchen & co
Saving Plan
Build long-term wealth with ETFs, retirement planning and government funding.
Wealth building01 / 06
trbmuenchen & co
Insurance Service
Health and income protection, liability, household and residential building cover.
Personal & property protection02 / 06
trbmuenchen & co
Real Estate Service
Investment property guidance from selecting the right asset to arranging finance.
Real estate investment03 / 06
trbmuenchen & co
Tax Plan
After financial planning, we create your personal tax plan for income tax, expat filings and ELSTER.
Tax planning04 / 06
trbmuenchen & co
Employer Benefits B2B
Company pension and health benefits for businesses, managing directors and teams.
Company benefits05 / 06
trbmuenchen & co
Business Consultation
Holding companies, foundations, GmbH structures and managing director provision.
Corporate structuring06 / 06
Insights into our consultation days
Testimonials
What our clients say
5.0 · 32 verified recommendations
Before
Their tax advisor estimated a refund of around €140
After
Around €9,000 expected – after a full financial review with our TSCI method
We are independent financial consultants (§34d GewO), not tax advisors. Individual results – results vary.
Before
Their tax advisor estimated a refund of around €140
After
Around €9,000 expected – after a full financial review with our TSCI method
We are independent financial consultants (§34d GewO), not tax advisors. Individual results – results vary.
Testimonials
What our clients say
clarity with which you can trade. results that are measurable.
5.0 · 32 verified recommendations
Planning with System
What changes when your finances finally work as one coordinated system.
More money
Realize measurable economic benefits every year — through tax optimization, government funding, cost reduction and disciplined wealth growth. Our goal: about 10% of your net income per year — private and business. Results depend on individual requirements.
More clarity
A coordinated plan on taxes, insurance, banking, assets, pension provision, BAV/BKV and corporate design — instead of incoherent products from different providers. You see exactly where you stand and why.
More security
Tailored protection for you, your family and your company, a structured path to retirement and a long-term strategy that accompanies you through every phase of life.
The solution
A complete financial system for specialists and managers, families and entrepreneurs in Germany.
Seven coordinated steps on analysis, planning, taxes, assets, hedging, pension provision, BAV/BKV and long-term support – with one goal: more money, more clarity and more security for your household and your company.
Advice phasesThe
TELIS System
Systematic excellence for your assets
1 / 7
Financial planning
Tax optimization
Wealth building
Insurance and protection planning
Retirement planning
Long-term support
What makes the difference
From individual products to a
coordinated financial strategy
for your household
On your own
- Advice by banks, brokers and insurers who are paid for product sales
- Tax benefits and state subsidies are only partially used
- No coordinated long-term plan on taxes, assets, insurance and pensions
- Hidden costs in banking, insurance and investment contracts
- In some areas double protection, in others real gaps
- retirement savings as a rough estimate instead of a structured strategy
- family protection and estate planning are postponed indefinitely
- Big financial decisions are made under time pressure
- A coordinated financial strategy across all areas of your household
- Around 10% of your net income per year in measurable economic benefit — results depend on individual requirements
- Tax and promotion optimization considered in each recommendation
- Transparent costs in banking, insurance and investment – no hidden layers
- Fit insurance and family protection – no duplications
- A structured path to retirement through legal, operational and private pillars
- Asset, family and estate planning coordinated in the long term
- Calm, well-prepared decisions with your advisor by your side
More testimonials
Our client reviews
LinkedIn
Verified recommendations
Narendra Naukudkar
Advanced Business Consultant at NNIT | MES | Digitalisation | Project Management
"It is wonderful to work with Aditya, an excellent financial consultant helping me with planning and capital building. Dynamic and client-focused, he's committed and responsible. I'm learning strategies with him in ETFs, ROI, and retirement planning. Connect with him if you're earning in Germany."
Amit Palsule
Senior Consultant at Allianz Consulting – ESG & Sustainability
"Aditya & his team at Telis finance are providing one of the best advises for your financial planning with higher degree of customer eccentricity amidst tailored products that suits to your wishes & goal. I like his go getter approach enabling you to take get faster & smooth results."
Yash Pukale
Material Manager in der Seriendisposition at MAN Truck & Bus SE
"I was recommended to Aditya by a friend, and after speaking with him and his team, most of my financial doubts were resolved. They provided me with a clear plan and helpful advice. The team is cooperative and open to discussing finances, insurance, and more. So far, I'm very happy with the services. Thanks!"
Roshan Gadkari
Senior Business Consultant at NNIT | PRINCE2® Foundation Certified
"Mr. Tarade is proficient with his financial services and always willing to take the time to discuss my concerns and respond to questions. His financial expertise coupled with his collaborative and innovative spirit made him the go-to expert for my most significant financial plannings."
TRB Munich
Kanzlei Tarade · LinkedIn
5,0
Structured, independent and measurable – the best financial decision in recent years.
32 RecommendationsVerifiziert
View all recommendations on LinkedIn
View on LinkedInNilkanth Thombare
Buyer at Mercedes-Benz
"I am happy to recommend Mr. Aditya Tarade and his team at Telis finance for any type of financial planning and advice. Aditya is an amazing person with a high level of expertise in the German taxation and personal finance domain. He and his team are always available and approachable for any sort of help/consultation."
About us
Who stands behind TRB Munich
Personal
advisory brand
TRB Munich & CO is our personal consulting brand for holistic financial and insurance planning. It was founded by Adi Tarade, law firm manager at TELIS FINANZ AG. Under the TRB Munich brand, we personally and long-term support our clients in important financial decisions. Advice and mediation take place within the framework of activities for TELIS FINANZ AG.
Independent
🇩🇪 Financial planning throughout Germany
Provisiontransparent ◐
Advice you trust — Costs you see
Munich
Germany
10 %
Target value of economic benefit per year — based on your net income
Taxes
Tax benefits and government subsidies consistently used
Insurance & protection
Fit insurance without duplication
Wealth
Long-term, cost-efficient asset accumulation
results depend on individual requirements.
Your personal consultants
Aditya Tarade (Law Firm Manager of TELISFinanzAG & trbmuenchen.de)
+ a team of specialists for your plan
+49 15165130435
support@trbmuenchen.de
trbmuenchen.de
Leopoldstraße 8, 80802 Munich, Germany
Questions & Answers
Frequently Asked Questions
In about 15-20 minutes, we understand your situation, your goals and the areas where financial planning can bring added value for you. If it fits, we agree on a complete strategy session.
Yes. You should get to know us, understand our approach and calmly decide whether we are the right long-term partner – completely without obligation.
No. We do not sell products. Our work is to build a coordinated financial strategy across taxes, wealth, retirement, insurance, and family protection — always in your best interest.
Financial analysis, financial planning, tax optimisation, asset accumulation, pension provision, insurance and hedge planning, family and estate planning and long-term care.
We are financial advisors. Our service is subject to a fee of € 86.49. You get a money back guarantee if we cannot show you at least €100 savings per year.
The value results from typical effects in households: tax benefits and government subsidies, optimization of insurance and banking costs, and disciplined asset accumulation. Results depend on individual requirements.
All verified customer reviews are published on ProvenExpert and are shown in the review section on this page.
Expect a focused strategy session and then quarterly reviews of around one hour. Most of the implementation happens on our side.
Some tax and cost optimizations are already effective in the first year. Asset and pension effects grow in the long term due to compound interest.
For specialists and managers and families in Germany who want a coordinated, long-term financial strategy – instead of a collection of individual products.
For anyone looking for quick returns, speculative trading tips or a single product as a solution. We work exclusively long-term and holistically.
Start today, not sometime.
Consultation days
Choose an appointment in our calendar and answer some short questions honestly. A member of our team enlists to understand where financial planning is most beneficial to you and to agree on your strategy session.