Initial Client Information

The core of my service is the holistic, life-long planning of your finances with comprehensive advice. I act exclusively on your behalf and in your interest. As an independent financial advisor, I am not bound to any product provider.

My advice is based on your needs, personal circumstances and financial situation. It generally comprises a wide range of investment funds and financial products available on the market.

The following information gives you an overview of myself and my service portfolio and also serves to fulfill my regulatory information obligations towards you in accordance with Section 12 of the ‘Finanzanlagenvermittlungsverordnung’ (FinVermV).

An always up-to-date version of this initial information can be found at: www.what.finance/en/clientinformation

How to reach me

What.Finance?
Jonas Völker
Wildbadstr. 20a
92318 Neumarkt i.d.OPf.
Mobile: +49 (0)157 5212 9448
Email: ask@what.finance
Web: www.what.finance

My status according to the German Trade Regulation Act

Fee-only Financial Investment Advisor (Honorar-Finanzanlagenberater) according to Section 34h(1) of the Trade Regulation Act (Gewerbeordnung; GewO)

My license covers the provision of advice on units or shares in domestic open-end investment funds, open-end EU investment funds or foreign open-end investment funds that may be distributed in accordance with the German Investment Code (Section 34f(1) No. 1 GewO).

Registration in the Broker Registry and Registry

About the Broker Register

The Broker Register is a public online register in which fee-only financial investment advisors are legally required to be registered. It is administered by the Chambers of Industry and Commerce (IHK). It provides free public access to information about financial service providers, in particular the ability to verify their license.

My registration can be checked by entering the registration number listed below at www.vermittlerregister.info/en or by calling +49 30 20 30 80.

Product selection and advice

Issuers and providers on whose financial products advice is given

I advise on financial investments from the entire breadth of the market existing in Germany, insofar as this is permissible within the framework of my license as a fee-only financial investment advisor according to Section 34h in conjunction with Section 34f of the German Trade Regulation Act (GewO).

As a principle, I exclusively recommend commission-free investment products. The recommendation and brokerage of a commission product isonly considered if an equivalent commission-free investment is not available. In this case, I will immediately pass on all commissions and other benefits from the product provider to you in full (more on this in the "Compensation" section).

Compensation​​

Free initial consultation

The initial consultation is always free of charge. This way we can both check without obligation whether and in which form a collaboration makes sense for you.

Financial investment advice

In connection with investment advice, I am exclusively compensated by you as the investor (fee-only advice).

I do not receive or accept commissions or other benefits from product providers, such as investment companies, brokers or banks. If I receive such benefits, for example because a brokered product includes them, I will pass them on to you immediately and in full.

My compensation is structured as a:

• Flat fee (a fixed price agreed in advance) or as an
• Hourly fee (based on the duration of the consultation).

This depends on your wishes and needs, especially your goal in the consultation. More details are regulated in a fee agreement made before the consultation.

Recording of telephone conversations and other electronic communications

As a fee-based financial investment advisor, I am legally obligated to record telephone conversations and electronic communications with clients regarding financial investments. The recordings are stored for 10 years and are available upon request during this period. If a client objects to recording, investment advice can only be provided via other communication channels (e.g., a personal on-site consultation).

Professional liability insurance

Complaints and Dispute Resolution