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FAQ

1. How do you guarantee transparency?
We have our own systems that give you a full overview of your investments at all times, both on and offline.

2. What happens if Neunundvierzig goes bankrupt?
The only thing you will have to do is look for a new financial advisor and planner to support you.

3. How expensive are you compared to others?
Our fee structure is fully transparent. Compared to our competitors we are the lower end of the normal price range. That's because our fixed costs are low and we use third-party service providers for everything that is not part of our core business.

4. How long am I contractually bound to you?
Ideally, we would like to work with you for your entire life. But if you change your mind at any point, you can terminate your contract with us with immediate effect.

5. How do you guarantee quality?
Since 2008 we have been working as part of the team that built Germany's first fee-only advisory bank in Munich. We know from experience that the most important thing for ensuring high-quality advice is the individual skills of the advisor, and sticking for as long as possible with the same advisor. That's a definite advantage of working with a small firm.

6. What is your expertise based on?
In this age of digital networks, the challenge is no longer how to get hold of large amounts of data but rather separating the "biased" sources of information – those driven by particular interests – from the reliable, solid sources. If you can do that then there is plenty of serious, publically available data out there. We work with top financial mathematician Dr Andreas Beck to evaluate current research into the financial markets. We also get independent research findings and insights from DWTP Deutsche Wertpapiertreuhand GmbH, a partnership of private bankers, asset managers and family officers.

7. How can you offer such a broad range of advisory services?
Our core competence is the long-term strategic support of our clients on all financial matters, and the structuring of their assets. This financial planning is realised in the form of securities portfolios set up for our clients with the help of DWPT Deutsche Wertpapiertreuhand GmbH, based in Herzogenaurach. Neunundvierzig GmbH itself does not provide any investment services, in particular investment advice as defined by the German Banking Act (KWG). Our solid, professional infrastructure allows us to make the right investments on your behalf without making compromises. Naturally, we are not experts in every specific area that might be relevant for our clients and their assets. So for issues such as estate planning, financing, insurance and so on, we draw on the help of the experts in our network where necessary.

8. Will you have enough time for me?
Our professional infrastructure allows us to spend approximately 90 percent of our time advising clients. Our office phone line is staffed 12 hours a day, Monday to Friday, so we are accessible but can work without interruption. Because we only take on new clients through personal recommendation, we don't waste time trying to generate new business by handing out business cards at golf clubs or art shows. The fact that we are senior partners of DWPT Deutsche Wertpapiertreuhand GmbH also saves un an enormous amount of time: DWPT takes care of issues that would otherwise eat up a lot of our time, such as compliance, audit and cooperating with the regulators. And as none of our advisors looks after more than 49 clients, we have enough time for each of them personally.