I am a qualified banking specialist, financial consultant and certified financial planner. Initially I worked in wealth management and business client advisory at a major bank, before spending almost ten years developing strategy concepts for wealthy private clients at a small private bank. Since June 2021 I've been working three days a week at Neunundvierzig as a Financial Planner. In my free time I love getting out into the countryside with my dog and travelling around Europe in my campervan.
Why I work for Neunundvierzig
In my previous jobs, a time always came when I was no longer able to provide objective advice to my clients, with their best interests at heart. That was the moment I knew I had to leave. Offering truly independent advice was, and still is, the most important thing to me in my professional life. At Neunundvierzig I can finally work without any conflicts of interest or sales targets. I can give unbiased advice, I am free to be curious about my clients and I work exclusively with friendly people. The job also gives me a lot of freedom in my personal life: I can organize my time however I like and work from wherever I want to – as long as there's a good Internet connection!
Karsten Klee, Fee-Only Advisor at Neunundvierzig Honorarberatung
I am a trained industrial clerk with a Bachelor's in Economics. After starting out in networking marketing, I worked for two years at a family-run asset management company setting up a robo-advisor. While studying at the Ludwig Maximilian University of Munich I set up my own small, fee-based advisory business. I joined Neunundvierzig in June 2020 as a Junior Advisor and I am currently doing a Master's in Finance alongside my work. Outside work I enjoy comedy, inline skating and skiing.
Why I joined Neunundvierzig
The world of finance has always fascinated me – even when I was young I hoped that one day I would be advising others on how to manage their assets. There are not many other areas, except for health, that have such a big influence on quality of life. And where else can you get so involved in people's lives? I strongly believe in one key principles: you should charge a transparent fee for advice - commissons are an absolute no go. At Neunundvierzig I met Stefan Heringer and Nikolaus Braun, who have been following those two principles in their professional practice for more than a decade. I'm proud to be a part of their team.
Tim Juling, Fee-Only Advisor at Neunundvierzig Honorarberatung
I am a financial economist and have a Master's degree from Maastricht University with a focus on asset pricing. After my studies, I worked for six years as part of an international team as a management consultant for institutional investors in Amsterdam, London and Munich.
I joined the team at Neunundvierzig as a fee-based consultant in July 2022. In my spare time I enjoy reading books, sailing on the beautiful lakes around Munich in the summer and hiking.
Why I joined Neunundvierzig
I met Nikolaus Braun and Stefan Heringer in 2014 as an intern at their former employer. It was refreshing to see that financial advice can also work independently and without conflicts of interest. When I moved back to Munich in 2018, I followed the development of Neunundvierzig Honorarberatung more closely. I quickly realised that this was the best place to implement my idea of needs-based, independent financial advice. I am delighted to be part of the team.
Nicole Ebentheurer, Assistant to the Management at Neunundvierzig Honorarberatung
I am a banker and 18 years ago I completed a traditional banking apprenticeship at a cooperative bank. I worked in various areas, from the counter to the credit department and marketing. I then moved to a small fee-based advisory bank whose philosophy I liked so much that I didn't want to turn my back on the banking world. After five years of parental leave, I returned to work in September 2022 and support Neunundvierzig on a part-time basis as an assistant to the management.
In my private life I manage a small family business around our three children, my husband, house and garden.
Why I work for Neunundvierzig
I have always found the philosophy of fee-based financial advice very convincing. What's more: I worked in a team with Stefan Heringer and Nikolaus Braun for five years before taking parental leave. So when they asked me if I wanted to join Neunundvierzig, I didn't have to think twice. Everything comes together here: Humanity, honesty, fun and trust. And I can organise my working hours as flexibly as I like, at my own discretion.
Milena Musial, Service Advisor at Neunundvierzig Honorarberatung
During my school years I developed a strong interest in finance and economics, which led me to train as a bank clerk after completing my vocational baccalaureate. It was there that I gained my first experience of advising clients. After my training, I worked for six years as a private client advisor at a major bank, advising clients on investments, loans and pension products. In September 2023, I started a part-time degree in business administration with a focus on finance to deepen my knowledge.
As a native of Munich, I enjoy skiing, hiking and relaxing in the mountains and lakes around my hometown.
Why I joined Neunundvierzig
In principle, I really enjoyed working with clients at the big banks. However, I was often unable to fulfill the individual wishes of my clients as sales targets and closing appointments took priority. That's why I was looking for a new challenge where I could provide independent, client-focused advice without the pressure to sell.
Since July 2024, I have been working as a service consultant at Neunundvierzig, assisting our clients in all administrative and technical matters. I enjoy working directly with the founding team and am delighted to be on board.
Samuel Bauch, Service Advisor at Neunundvierzig Honorarberatung
I started my training as a banker in 2017, after which I worked in the back office of a small private bank in Munich. There I was mainly responsible for opening accounts and ensuring compliance with regulatory requirements. Since June 2024, I have been supporting Neunundvierzig Honorarberatung in the back office and am available to our clients as a service advisor for all administrative matters.
In my private life, I spend a lot of time outdoors in nature and pursue a variety of hobbies - from sports to creative work such as photography.
Why I work for Neunundvierzig
From an early age I was fascinated by the world of finance – a world without obvious, universally binding solutions, but with an enormous influence on our well-being. A world that has much more to do with our behavior and feelings than with mathematical formulae and rationality. I am proud to be able to contribute to providing advice to our clients on the basis of a transparent fee, thereby creating real added value. This allows me to carry out my duties without constraints or conflicts of interest, which also gives me a great deal of autonomy and freedom in the way I work.
