About Torc Wealth
Independent advice that helps you navigate Germany’s financial system while keeping your long-term flexibility in mind.
Why Torc Exists
Financial planning shouldn't become harder just because you moved countries.
Moving to Germany can change almost every part of your financial life. A new pension system. Different tax rules. New insurance needs. Investments in more than one country. And often, no clear idea of how all of those pieces should work together.
We saw how difficult it was for international professionals to find advice that truly understood that situation. Torc Wealth was built to close that gap.
We help our clients bring their finances together into one clear strategy, covering retirement, investing, income and family protection, while taking their international circumstances into account.
Our Story
For us, being international is personal. We have lived across different countries and continents, building new lives with our families, partners and children. We know what it feels like to arrive somewhere new and suddenly have to navigate an unfamiliar financial system, new bureaucracy and important decisions about your family's future.
That experience is a big part of why Torc Wealth exists. We understand the questions that come with an international life because we have faced many of them ourselves. Where should you build your retirement? How do you make the most of the money you earn in Germany? How do you protect your family? And what happens to the plans you make today if life takes you to another country tomorrow?
We combine decades of experience in financial advice with decades of experience living internationally. That allows us to look beyond products and numbers and understand the real life behind every financial decision.
Our goal is simple: to give fellow internationals the clarity, guidance and support we would want when building a life in a new country, so they can spend less time worrying about the financial complexity and more time enjoying the life they came here to build.
Meet Our Senior Partner
Chris Everitt
Founder, Senior Partner
Financial Consultant
Chris’s career in finance has taken him across countries and industries. Having lived and worked internationally himself, he understands the financial complexities that come with building a life abroad.
He began his career in 1998, working across banking, financial technology and later wealth management, combining more than 25 years of experience with a personal understanding of international life.
Today, as Founder and Senior Partner at Torc Wealth, Chris advises international professionals on pensions, investments and financial protection. He holds German §34d and §34f GewO licences, alongside international qualifications including Series 65 and the Level 3 Certificate in Wealth & Investment Management.
What Makes Torc Different
Independent
We are not tied to any single provider. Our access spans a broad range of insurance, investment and financial solutions in Germany, alongside international, cross border and offshore options where appropriate. This allows us to compare the market and recommend solutions based on your individual circumstances, rather than the interests of a particular company.
Holistic
We look at your finances as one connected picture. From optimizing cash flow and building investments to retirement planning, protecting your income, assets and family, and preparing for future real estate decisions. Where additional expertise is required, we work with a wider network of specialists to help ensure every part of your financial life is properly considered.
How We Work
Understand
We start with your current situation, goals and international circumstances.
Analyse
We look at your existing pensions, investments, protection and financial structure.
Build
We develop a coordinated strategy around your priorities.
Implement
Where appropriate, we help put the agreed solutions in place.
Review
As your career, family or plans change, your financial strategy can change with them.
Advice you can verify
30+ Years
Financial Experience
Decades of experience in financial advisory, banking and international markets.
2 Generations
Of Financial Expertise
A combination of long standing industry experience and a new generation’s perspective for the future.
International
By Experience & Expertise
We understand the opportunities and challenges of an international life because we’ve lived it ourselves.
1 Approach
Built Around You
Clear, independent and holistic financial planning, tailored to your circumstances, goals and future plans.
Client Stories
Thank you so much for helping me take this important step towards securing my financial future! I’m excited about the investments and confident this will set me up for a comfortable retirement. Thanks again for your support!
[...] much of the complex set of structures and rules in Germany is simply overwhelming for expats. [...] For example, I did not know that I could get complimentary specialist advice from experienced professionals like Torc Wealth. [...] I can tell that [Torc Wealth] genuinely care about our family, and their advice is spot-on. Now, I definitely feel more confident about our financial future in Germany.
I very much enjoyed working with [Torc Wealth], their friendly approach balanced with great knowledge of German finance options translated into simple language, in English, was very helpful. They was also patient and open to discuss my various requirements listening well to questions and responding quickly. [Torc Wealth] makes pensions accessible, professional and fun.
You're the best broker ever! Your timely, professional knowledge and excellent customer service is top notch. It is truly a pleasure doing business with you!
You’re absolutely amazing! From day one, you’ve been super helpful, patient, and always looking out for my best interests. Your advice is spot on, and I genuinely feel like my finances are in the best hands. It’s rare to find someone so knowledgeable yet so down-to-earth and easy to talk to. I truly appreciate everything you do and wouldn’t hesitate to recommend you to anyone looking for a top-notch financial advisor!
You are really kind and amazing. you helped me understand the policies very well to sign up for insurance. You are quite patient until the client decides without any unnecessary pressure. Explains ever in detail and gives time to decide.
Speaking with you about the products and services offered by Torc Wealth gave me valuable insight into financial and retirement planning options. You explained things clearly and made complex topics easy to understand. It was a very helpful conversation, and I would recommend everyone to speak with you if they are looking for guidance on planning your financial future.
You were very helpful and explaining the German pension system and the options that are available to further invest. You explained the situation in more layman's terms which helped demystify much of what is available from financial institutions.
You are helpful, knowledgeable and trustworthy. You're responsive and take time to understand individual needs before giving advice. What I appreciate most about working with you is your calm and professional approach. You make complex financial decisions feel manageable and are genuinely supportive throughout the process.
You are a capable sparring partner for all questions related to wealth advisory. Your deep expertise and calm, structured approach make every conversation valuable. What stands out in particular is your specialization in international opportunities. This perspective adds real value to our exchanges and makes working with you especially insightful. Highly recommended.
Working with you was an excellent experience. You're friendly, highly communicative, and always willing to go out of your way to support others. I can strongly recommend working with you and would gladly collaborate again.
You really helped me understand the investment landscape here in Germany, especially how things work and what tax benefits I can take advantage of to invest smarter and maximise my outcome. I can highly recommend working with you, you were incredibly helpful, explained everything clearly, and I’m genuinely glad to have your support by my side.
Your financial life is personal.
Your advice should be too.
Tell us where you are today and what you're working towards.
We'll help you understand your options and whether Torc Wealth is the right fit.
Financial planning for internationals building their future in Germany.
This website provides general information only and does not constitute personal financial advice or a recommendation. Any suitable course of action depends on your individual circumstances. Investments carry risk and can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. Cross border situations can add additional complexity.
Chris Everitt (Senior Partner) and Jasper Bossmann Everitt (Partner) are IHK-qualified financial consultants (IHK Berlin), registered as insurance intermediaries under §34d GewO and as financial investment intermediaries under §34f GewO.
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