We analyze your current setup to show you how much tax you can legally save, which insurance actually makes sense for you, and your personal roadmap to financial independence in Germany – 100% free and with zero obligation.
4.9 of 5 (147 Reviews)
What Our Clients Say
"The free consulting is pressure-free and will save you money – 100% guaranteed."
Highly recommend ProperAPI team- Dennis is trusting and knowledgeable
Dennis has been incredibly helpful in showing us how to reduce our taxable income through smart financial planning tailored to our goals and situation.
With their monthly service, I get quick support on everything from Elterngeld and Kindergeld to insurance and tax questions. Highly recommended for anyone looking to save on taxes and gain peace of mind.
Date of experience: March 15, 2025
5 out of 5 stars – Outstanding Wealth Management Service!
Proper API helped me buy my first rental property while saving significantly on taxes. They handled everything – from tax structuring and notary appointments to renting out the property. I barely had to lift a finger. Expert, patient, and no hard selling. Highly recommended for tax-optimized real estate investing in Germany.
Date of experience: December 15, 2024
I am having a great experience with…
I am having a great experience with Proper API team as my guide towards wealth building and tax saving strategies. My advisor, Lukas, is very professional and experienced with his insights and has helped choose the right options for a long term financial plan. Highly recommended!!!
Date of experience: December 05, 2024
Customer centric, they offer what you actually need
I was quite skeptical initially because I have seen many similar advertisements, promising to make us rich by saving on taxes or buying properties without money. However after some meetings with Christian and investigating about the company, I was glad that I got a very good proposal, comprehensive, aiming to help me reach my goals, instead of just trying to sell random insurances. After reaching out to other similar companies, I prefer ProperAPI over the others because of their comprehensive end-to-end services and customer focused service.
They offer to you what you need, not what they need to sell.
Date of experience: January 29, 2025
I recently had the pleasure of working…
Working with André was a game-changer. In just a few sessions, he helped me switch to private health insurance – saving me thousands in taxes.
He also guided me through liability coverage and set up a tax-efficient pension plan.
What impressed me most? All consultations were completely free. No hidden fees, just smart, personalized advice – especially for expats like me.
If you want to save on taxes and secure your future, talk to André. You won’t regret it.
Date of experience: March 12, 2025
Very quick and reliable collaboration
These people are experts in their fields and work well with expats whose German language is not their first language.
They have services for many types of investment opportunities, they help with minimizing taxes and costs and maximizing tax refunds.
They also help get the correct insurances that you need by getting the best premiums for the money you can afford.
Date of experience: January 22, 2025
Exceptional Financial Services and Expert Guidance from Proper API
Proper API offers expert financial advice with a strong focus on tax optimization. Their team helped me reduce liabilities, invest in property, and find the right insurance. Special thanks to Pierre for his support throughout the buying process. Highly recommended for anyone seeking smart, holistic financial solutions in Germany.
Date of experience: November 01, 2024
Every expat needs Proper Api
This was my best customer-focused experience in Germany. Christian took the time to guide me through real estate, tax optimization, and insurance topics in detail. His advice was patient, thorough, and highly valuable. I now use their monthly service—highly recommended for any expat wanting smart financial decisions in Germany.
Date of experience: October 22, 2024
Very knowledgeable on the financial…
Very knowledgeable on the financial management, tax advisory and investment strategy, especially for expats.
I've only had positive experiences so far, highly recommend!
Date of experience: August 16, 2024
Highly recommend ProperAPI team- Dennis is trusting and knowledgeable
Dennis has been incredibly helpful in showing us how to reduce our taxable income through smart financial planning tailored to our goals and situation.
With their monthly service, I get quick support on everything from Elterngeld and Kindergeld to insurance and tax questions. Highly recommended for anyone looking to save on taxes and gain peace of mind.
Date of experience: March 15, 2025
5 out of 5 stars – Outstanding Wealth Management Service!
Proper API helped me buy my first rental property while saving significantly on taxes. They handled everything – from tax structuring and notary appointments to renting out the property. I barely had to lift a finger. Expert, patient, and no hard selling. Highly recommended for tax-optimized real estate investing in Germany.
Date of experience: December 15, 2024
I am having a great experience with…
I am having a great experience with Proper API team as my guide towards wealth building and tax saving strategies. My advisor, Lukas, is very professional and experienced with his insights and has helped choose the right options for a long term financial plan. Highly recommended!!!
Date of experience: December 05, 2024
Customer centric, they offer what you actually need
I was quite skeptical initially because I have seen many similar advertisements, promising to make us rich by saving on taxes or buying properties without money. However after some meetings with Christian and investigating about the company, I was glad that I got a very good proposal, comprehensive, aiming to help me reach my goals, instead of just trying to sell random insurances. After reaching out to other similar companies, I prefer ProperAPI over the others because of their comprehensive end-to-end services and customer focused service.
They offer to you what you need, not what they need to sell.
Date of experience: January 29, 2025
I recently had the pleasure of working…
Working with André was a game-changer. In just a few sessions, he helped me switch to private health insurance – saving me thousands in taxes.
He also guided me through liability coverage and set up a tax-efficient pension plan.
What impressed me most? All consultations were completely free. No hidden fees, just smart, personalized advice – especially for expats like me.
If you want to save on taxes and secure your future, talk to André. You won’t regret it.
Date of experience: March 12, 2025
Very quick and reliable collaboration
These people are experts in their fields and work well with expats whose German language is not their first language.
They have services for many types of investment opportunities, they help with minimizing taxes and costs and maximizing tax refunds.
They also help get the correct insurances that you need by getting the best premiums for the money you can afford.
Date of experience: January 22, 2025
Built with our clients: 5,000€–10,000€ in annual tax savings.
Proven experience with over 10,000 clients across Germany.
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.
Patrick Bashala
Assistant Vice President | Multi Asset Trader
€6,817 in annual tax refunds and a €335,000 property that generates passive income.
Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.
Naseef Mahmud
Staff Engineer
"My portfolio is on the rise."
Meet Jide Famuyiwa. He started investing with us 2.5 years ago. Since then, his portfolio generates more than 11.62% profit per year, while he saves more than €3,000 in taxes every year.
Jide Famuyiwa
Senior Product Manager
"I'm really looking forward to the next piece of real estate."
Meet Pranjal Roy. He saves €2,016 in taxes annually while his investment portfolio yields 11.47% per year. With a clear plan in place, he’s now preparing to invest more in real estate to accelerate his path to long-term wealth.
Pranjal Roy
Software Engineer
"I was able to make tax savings."
Meet Bhuvin. He reduced his personal income tax by over €5,000 per year and has already purchased his second investment property in Berlin with our help — all as part of his long-term wealth-building strategy.
Bhuvin Bharat Thakker
Engineering Manager
Tax savings of more than €10,000 annually.
Meet Evin Hughes. He always wanted to invest in real estate in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he's now saving over €10,000 in taxes every year.
Evin Hughes
Management Consultant
Now is the time to act – don’t miss out on six figures.
Germany offers powerful opportunities for long-term wealth building – especially for expats.
Through tax-deductible ETF plans, strategic real estate investments, and optimized insurance structures, you can save tens of thousands in taxes and grow your assets at the same time.
With the right strategy, many of our clients reclaim over €100,000 in taxes during their time in Germany – money that would otherwise be lost forever. It doesn’t take a lot of upfront capital to get started, but it does take the right guidance.
Our holistic approach combines tax optimization, smart investing, and personal risk management into one clear system – aligned with your goals, lifestyle, and timeline.
Without expert support, most expats leave thousands on the table every year – simply because they didn’t know better.
Our clients love us – here’s how much they saved and how much wealth they’ve built.
Here are some case studies from clients who used German tax laws to reclaim a significant portion of their paid taxes — while investing strategically and growing their wealth based on their individual tax rate.
€5,320 in yearly tax savings
We increased our annual tax refund by €5,320 through tax-optimized investments in ETFs and real estate. The annual refund is reinvested to accelerate wealth building. At the same time, a stock portfolio and a plan for further property purchases were developed to achieve financial freedom within 15 years.
Ashok - Project Manager, Indian
€10,148 in yearly tax savings
By purchasing two properties and making tax-optimized investments in ETFs, we increased our annual tax refund by €10,148. This financial advantage enables us to build equity much faster, allowing us to purchase one or two apartments each year. New tax benefits will arise and be reinvested, resulting in a large property portfolio while saving taxes in the five-figure range.
Evin - Management Consultant, Irish
€6,375 in yearly tax savings
Implementation of tax-optimized ETF investments for him and his wife. In addition, they purchased their first property. A plan for regular property acquisitions was developed to generate high passive income. The current strategy increases their annual tax refund by €6,375.
Carlos - Software Engineer, Spanish
€5,301 in yearly tax savings
Purchase of first property and tax-optimized ETF investments. Annual tax refund increased by €5,301. A plan for regular property purchases is in place to generate passive income and further boost tax refunds.
Philip - IT professional, Ghanaian
Ready to save taxes while building your wealth?
Investing in Germany is one of the most efficient ways to build long-term wealth — especially through a smart mix of real estate, ETFs, and insurance.
With 100% financing often possible, you can acquire property with minimal upfront capital. In many cases, rental income covers the monthly payments — and thanks to generous tax advantages, some properties even generate positive cash flow from day one.
Combined with tax-optimized ETF investing, this creates a powerful strategy to grow your wealth while securing your retirement.
Tailored, Transparent Solutions
Your goals are unique — so is our strategy. With clear, tailored plans and written guarantees, you can move forward with full confidence.
15 years of experience
With over 15 years of experience, our real estate experts have helped 2,000+ clients navigate the German property market — making smart, tax-optimized investments that build lasting wealth.
Long-Term Support
We’re in it for the long haul — providing ongoing support, quick answers, and the confidence that you’ll never navigate your real estate journey alone.
Your Path to a Powerful Financial Strategy – In 8 Simple Steps
Our 8-step system combines real estate and ETF investing to help our clients save an average of €5,423 per year — by legally leveraging Germany’s tax regulations.
It’s a proven strategy to reduce taxes, build long-term wealth, and secure your financial future with little to no upfront capital.
In short: More savings. More freedom.
Many of our clients save between €5,000 and €10,000 in taxes every year — while building long-term assets that provide security, independence, and peace of mind.
Don’t just listen to what we say.
Check out full-length customer stories.
Trusted by over 10,000 clients across Germany.
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which now generates passive wealth and reduces his taxes.
"My portfolio is on the rise."
Meet Jide Famuyiwa. He started investing with us 2.5 years ago. Since then, his portfolio generates more than 11.62% profit per year, while he saves more than €3,000 in taxes every year.
"I'm really looking forward to the next piece of real estate."
Meet Pranjal Roy. He saves €2,016 in taxes annually while his investment portfolio yields 11.47% per year. With a clear plan in place, he’s now preparing to invest more in real estate to accelerate his path to long-term wealth.
"I was able to make some tax savings."
Meet Bhuvin. He reduced his personal income tax by over €5,000 per year and has already purchased his second investment property in Berlin with our help — all as part of his long-term wealth-building strategy.
€6,817 in annual tax refunds and a €€335,000 property that generates passive income.
Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.
Tax savings of more than €10,000 annually.
Meet Evin Hughes. He always wanted to invest in real estate in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he's now saving over €10,000 in taxes every year.
Just 15 minutes — that’s all it takes to understand your goals and where you stand.
In a quick initial call, we’ll get to know your situation and investment potential. After that, we’ll schedule a free in-depth session with a specialized advisor who’s perfectly matched to your needs — so you receive expert guidance that’s truly relevant to you and your real estate goals in Germany.
- Dariusch Hosseini
About Us – Your Experts in Tax-Efficient Wealth Building in Germany
Dariusch Hosseini
Dariusch Hosseini is the founder and CEO of Proper API – and his story is closely tied to the expat experience in Germany.
His father was one of the first foreign professionals to move to Germany. But instead of finding financial security, his journey was marked by complexity, missed opportunities, and a lack of clear guidance.
Watching these struggles from an early age, Dariusch learned an important lesson:
Financial success isn’t about luck – it’s about knowledge, strategy, and the right support.
In 2018, Dariusch founded Proper API to give expats in Germany exactly what his family never had: reliable, transparent, and strategic financial guidance, tailored to the unique challenges of international professionals.
Today, he brings 15 years of experience in the finance industry and leads a growing team of over 30 dedicated experts – all working toward one goal:
Helping clients build wealth, reduce taxes, and achieve financial independence – with clarity and confidence.
Why Clients Trust Proper API:
Expat-focused:
We help expats navigate the German financial and tax system — with a deep understanding of the legal, cultural, and financial complexities involved.
No commission-driven advice:
As fully independent advisors, we’re not tied to any real estate providers. Our recommendations are based solely on what best supports your investment goals — not on hidden commissions.
Proven results:
On average, our clients save €5,000 to €10,000 per year in taxes — while building assets that provide stability, flexibility, and long-term financial freedom.
Personal support, wherever you are:
Whether via secure messenger, video call, or in person — your dedicated advisor is always just one message away.
“We know what it means to start over in a new country. That’s why we make sure you don’t just settle in Germany — you thrive here financially.”
– Dariusch Hosseini
Proper Union GmbH – Known from
© 2025 Proper Union GmbH. All rights reserved.
NOT FACEBOOK: This site is not a part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.