Consumer Protection
Full transparency is the foundation for responsible decisions – and the basis of our mutual trust. We translate the fine print of the financial industry into plain language, so that you can understand every decision 100 %.
Securing assets and creating value together – your experts in Munich.
This is where your path to true financial security begins.
No complicated financial products, just honest transparency. We advise you outside the typical broker patterns. Independent. Focused. Clear.
Free initial consultation Our 3 pillarsWhy we are rewriting the rules.
Traditional financial advice is often a black box: nested products, opaque fees, and advisors who actually work for the corporations in the background. We are putting an end to commission pressure. As independent brokers, we are legally obliged to represent your interests exclusively. For you, this means: we filter the entire market for genuine net rates and understandable concepts that generate returns instead of eating up costs. No sales pitches, no jargon – just crystal-clear strategies for your long-term wealth building.
Sustainability
True sustainability is also reflected in relationships: we rely on a partnership built on long-term trust. That is why we do not plan your finances for quick, short-term profit, but build wealth structures that endure across generations.
Reclaiming Your Money
Even BaFin (the German Federal Financial Supervisory Authority) confirms that conventional savings products have been developed without the customer in mind. We make sure you get exactly what you are entitled to. We free you from unprofitable legacy contracts, stop the ongoing burning of money, and redirect your capital into modern, high-yield solutions instead.
Three disciplines. One strong foundation.
Comprehensive protection and wealth building – that sounds big at first. But basically, it is like building a house: if the foundation is not right, everything else wobbles. That is why we look together at how your finances, your protection, and your assets interlock. Not a rigid off-the-shelf system, but simply logical and built exactly the way it fits your life.
Real Estate
Successful real estate investment.
- What it is about: Whether you are just thinking about getting started or already own properties: we accompany you from the first honest market analysis to a successful purchase.
- Your benefit: You make smart use of government subsidies and tax advantages, while your property works for you in the background and retains real value even in turbulent times.
Finance
Secure private retirement provision at any age.
- What it is about: We look at where you stand – whether you are just getting started at 30 or want to realign your course for the future and your retirement provision at 40.
- Your benefit: We find paths that fit your very personal goals. Transparency comes first – so that you know exactly what happens with your money.
Insurance
Real protection & a comprehensive check of your legacy contracts.
- What it is about: Nobody likes paying insurance costs. Most of the time, old folders are full of policies you do not need at all, while real gaps remain open.
- Your benefit: You do not have to dig through mountains of paper. We check where you are over-insured and keep only what you truly need protection for.
The decisive step: Get started now!
“The best time to set the course for the future was ten years ago. The second best is now.”
Let us look at your situation together. In a non-binding initial consultation, we analyze where you currently stand, where untapped potential lies dormant and how we can build your foundation to withstand crises.
Book your free initial consultation now
Who we are
One team. A family business.
Our goal: your financial security.
For over 20 years, Mathias Belger has been a broker in the fields of insurance and wealth building. As an expert, he continually pursues further training and keeps up with the times in order to offer you the best possible protection.
I, Claudia Belger, am the founder of CMB Financial Consulting UG (haftungsbeschränkt) and am responsible for administration and marketing.
Together, we combine extensive knowledge in finance, insurance, IT, and media. Together with you, we take care of organizing your documents, a comprehensive update of your contracts, and ultimately your assets – your freedom.
Get to know us – we look forward to meeting you!
Let us plan together.
Simply send us your preferred time for an initial consultation. We will check availability and confirm the time to you by email within a few minutes.
Email: hello (at) cmb-fincon (dot) de
Telephone: +49 (0) 89 8890 8000
WhatsApp: +49 (0) 178 510 056
Location: Munich
To protect ourselves from spam and unwanted emails, we have slightly masked the email address. Please simply replace ( at ) with @ and ( dot ) with ".". Thank you for your understanding.
Frequently asked questions about our services
Here you will find quick answers to the most important questions about consulting, costs, and support.
How does a free initial consultation work?
In the non-binding initial meeting, we digitally analyze your current situation and your goals. We check existing contracts for hidden costs and show you concrete optimization potential – completely transparent and without sales pressure.
What exactly does "independent advice" mean?
As independent brokers, we are not tied to any bank, insurance company, or investment firm. We compare the entire market and select only those products that offer the best value for money for your individual situation.
Will I face hidden costs as a result of the consultation?
No. Transparency is our top priority. We work either through traditional commissions, which are already included in the tariffs, or on a fee basis. Fees are not standard flat-rate costs; they only apply in specific cases, such as intensive market research or complex preliminary inquiries. All cost structures will be disclosed to you in a crystal-clear and understandable manner prior to any conclusion.
How can I submit my legacy contracts?
The fastest and easiest way is through our service app, which we provide in cooperation with our partner, SDV AG from Augsburg:
- Receive invitation link: Once we start working together, we will send you your personal invitation link to the app.
- Open the app & register: Via the link, you can download the app and sign up right away.
- Upload contracts: Simply photograph or scan your documents (e.g., insurance policies or premium statements) with your smartphone and upload them.
Alternatives & support:
- Need help? Our team is happy to assist you and will personally support you in uploading your documents.
- Prefer not to use the app? Alternatively, you can of course also send us your documents by email or post.
Security note: Your data is of course transmitted in a GDPR-compliant and encrypted manner.
How do you support me with real estate investment?
With the help of specialized experts, we accompany you every step of the way: from location and creditworthiness checks and financing structuring through to the final completion of the purchase. In doing so, we always view real estate as a strategic building block of your overall assets.
Building wealth at 40 – is it too late, or how do I get started?
At 40, many people are in the middle of life: career, family, and often a home of their own are established. Perhaps you now also have more financial leeway than at 20 or 30. The good news is: there are still around 25 years until retirement – an extremely long investment horizon in which you can still achieve a great deal with the right strategy!
Getting started takes 4 steps:
- Take stock & optimize cash flow Review your income and expenses. Where is untapped potential lying dormant?
- Plan your time horizon realistically
- Close gaps in your provision: Are there coverage gaps that still need to be closed now?
- Build discipline & grow your assets:
Our conclusion: At 40, you are by no means too late – quite the opposite: You now know exactly what matters to you in life and can invest purposefully and with a clear head.
Let us create your personal roadmap together. We will analyze your current situation and make the most of the coming years!
If all this works so well, why doesn't everyone do it?
The reason this form of investing is not used by absolutely everyone usually comes down to three key factors:
- Habit & status quo: Many people leave their savings in a traditional checking or savings account out of sheer habit. It takes a small active step to look into alternatives – and “we've always done it this way” is often more comfortable than change.
- Lack of knowledge & education: Financial education is hardly anchored in our school system. Many consumers simply do not know which modern, transparent, and secure ways now exist to invest their money sensibly.
- Myths and prejudices: For a long time, certain forms of investment were considered exclusive, complicated, or too risky for the “average consumer.” These prejudices persist stubbornly, even though markets and opportunities have developed significantly.
Conclusion: Just because something is not (yet) done by the masses does not mean it does not work extremely well. On the contrary: those who act on early information and break free from outdated patterns often secure the better opportunities.
We would be happy to show you how easy and safe this is to implement in your situation!