Trusted Financial Decision Office
You make the money.
I make sure it stays.
As your personal Smart CFO I represent your interests, stand beside you for the financial decisions that matter and open the doors to an exceptional network of selected experts, so the right people are with you at the right moment.
35+ years alongside entrepreneurs & professional athletes
Costs saved per year
4.200 €
Q1
Q2
Q3
Q4
secure liquidityfind fundingsecure liquidityfind fundingsecure liquidityfind fundingsecure liquidityfind funding
review contractsbuild wealthreview contractsbuild wealthreview contractsbuild wealthreview contractsbuild wealth
optimise taxcover risksoptimise taxcover risksoptimise taxcover risksoptimise taxcover risks
Thomas R.
09:24
Thanks for the bank meeting yesterday, the financing is signed. My head is finally clear again.
Costs saved per year
4.200 €
Q1
Q2
Q3
Q4
secure liquidityfind fundingsecure liquidityfind fundingsecure liquidityfind fundingsecure liquidityfind funding
review contractsbuild wealthreview contractsbuild wealthreview contractsbuild wealthreview contractsbuild wealth
optimise taxcover risksoptimise taxcover risksoptimise taxcover risksoptimise taxcover risks
Thomas R.
09:24
Thanks for the bank meeting yesterday, the financing is signed. My head is finally clear again.
A network of specialists, grown over more than three decades.
Tax optimisationFamily officeWealth managementInsurancePro athlete protection
The problem
One record year after another, so where did all the money go?
Where's the receipt from March?Payment overdue · €4,200
Tax_assessment_2024.pdf
I need the documents by Friday.Bank meeting postponed
Quick word about the financing?Policy expires in 14 days
Invoice coming next week?I'm on holiday, will be in touchFunding deadline: only 3 days
Chaos·Time drain·Uncertainty
Without dein-smart CFO
Does any of this sound familiar?
What happens when nobody has the finances under control.
Entrepreneurs can work in the business or on the business. That distinction has a large influence on their quality of life. Many entrepreneurs are so absorbed by their duties and tasks that they can no longer realise their own ideas and only react.
A company's finances require a clear assignment of responsibility. Whether the entrepreneur themselves, a specific person or a team is in charge has to be settled. It also matters who maintains the contacts to external partners such as banks, insurers or tax advisers. If these areas are neglected or taken on by unqualified people, it can lead to severe crises, above all when the company depends on financial support.
A company's success depends heavily on how it is led. Some entrepreneurs pursue a clear vision and a plan to reach their goals. Others let themselves be distracted by whatever problems come up, or ignore them entirely. These differences are reflected in the strategy, the organisation and the culture of the company. Proactive, goal-oriented management is generally more efficient than a passive approach.
Existential investments are vital for the company and need long-term planning and foresight. If they are tackled too late or not at all, it can lead to serious problems. Financing requests are then often refused for various reasons. The entrepreneur then has to look for alternatives under time pressure, such as cutting costs, increasing revenue or finding new financing partners. A financing refusal is a situation that can be averted through the right measures taken in advance.
The approval of public funding depends on many factors. First of all it is necessary to even know which claims to funding exist. On top of that, the funds have to be applied for correctly so that they can be approved at all. The basic requirement is that the know-how on eligible projects is available and that the right places to apply and the application procedures are known. With a targeted analysis, possible funding can be secured in time and the risk of rejection minimised.
What a corporation takes for granted, you now
get too.
I organise, negotiate and plan for you. You gain time, clarity and a clear head.
One single point of contact
No more adviser carousel. You never have to sit through a conversation you don't want to have.
Full transparency
My fee is settled by the network, not by you. No small print, no hidden costs.
“You can tell good financial management by how much less you have to think about it, not more.”
Find out where you standYour financial plan
One glance instead of 15 folders
Liquidity
55%
Investments
30%
Protection
15%
About me
Clarity above all. At last.
35+ years in finance, most of it with a German market leader, certified by the Chamber of Commerce and an entrepreneur myself. I know every side of the table and the feeling when admin starts to suffocate the vision.
What I stand for
“I will also tell you when the best decision is to do nothing at all right now.”
Claus Winkelmann
35+years
in the finance industry, most of it with a German market leader.
1,000+
clients looked after personally, plus over 6,000 more together with my team.
1
point of contact for every financial topic. You never have to sit through a conversation you don't want to have.
“In more than three decades, almost every client came through a referral. A business like that only holds if people still trust you ten years from now.”
What I cover
What my network delivers for you.
The areas that eat your time and your money now run through my network. Open a folder for the details.
Where dein-smart CFO also supports you
And there is more.
Beyond the day-to-day business, for the big turning points.
If you notice as an entrepreneur that your relationships, your health or your finances are suffering under your calling or your company, then perhaps you yourself are not optimally set up. With our method “WEWIISE” you can position yourself and bring authenticity, balance and direction into your life. That gives you stability and positive development in every area of life.
Potential positioning is our method for helping companies reach their highest goals. With potential positioning we develop success strategies for companies systematically and in a very short time.
Every company needs an exit strategy and a succession plan. At some point the entrepreneur will want or need to step out. The question is how they do it and who carries the company on. That question should not be postponed until it is too late. It should be settled in good time in order to secure a smooth transition and the highest possible value.
The most successful career after sport does not begin when the career ends, but during your active years. Together we discover and sharpen your talents, abilities and inclinations and develop a professional perspective from them that genuinely fits you. That awareness already changes how you see opportunities, encounters and decisions today. This is how you use your active career deliberately to prepare your future step by step, alongside the sport or as a solid foundation for the time after it.
Who it's for
For people who do exceptional things.
Your head belongs in the business,
EntrepreneursHigh income, no time and never
anyone who really advises you.
ExecutivesShort career, big chance. Now
is when it's decided whether wealth lasts.
AthletesComparison
dein-smart CFO or the usual way?
The usual way
Your fee
€0
Fees + commissions
Point of contact
One
Many, always changing
Compensation disclosed openly
Product-independent advice
Expert network per topic
1 provider
Banks on equal footing
Funding actively tracked
Down to luck
Experience at the table
35+ years
?
Everything from one source
Fragmented
Sounds like your way?
Find out where you standWhat does it cost you?
My expertise:
for free.
You will never get an invoice from me. I am paid by the expert network we implement with, not by you. If you implement nothing, you owe me nothing.
Taking stock
Your no-obligation start. We get to know each other and see whether it fits.
0 € / one-off
No obligation, no catch
Find out where you standIncludes:
- A conversation, not a pitch
- A look at every area of your finances
- A first concrete assessment
- No obligation, you decide afterwards
Ongoing support
Your head of finance in the background: lasting, discreet, in your interest.
0 € / fee
Paid through the expert network
More in the first callIncludes:
- A personal financial plan
- Bank & authority meetings (on request)
- Access to the expert network
- Contract & cost optimisation
- Annual review
- Reachable at all times
- Full transparency on every recommendation
How it works
Four steps to an empty desk
Taking stock
A first conversation, free and with no obligation. We clarify your situation and your goals and whether the chemistry is right. This is a long-term partnership, not a sale.
Taking stock
You gather your documents once, following my checklist, in one to two hours. From then on I take over the steering of your financial topics.
Plan & experts
I analyse everything and make the connection to the experts.
Implementation & ongoing support
Whatever you decide, I implement, and I stay your head of finance in the background. Once a year we fine-tune together. Your desk stays empty.
Voices
What my clients experience.
“I had a record year and no idea where the money had gone. Today I have a clear plan and finally a free head for what matters.”
M. W.
Agency owner, Hamburg
“No fee, full transparency: I was honestly sceptical. After the first financial plan the scepticism was gone. Finally someone who thinks along instead of selling.”
A. B.
Managing director
“As an athlete you don't think about what comes after. Claus built a structure that holds when the career ends, without me having to look after it.”
S. K.
Professional athlete
“Claus handles the bank meetings now. I only decide, he takes care of the rest. That has given me back noticeable time and nerves.”
T. R.
Construction entrepreneur
FAQ
The questions you are right to ask
You will never get an invoice from me. My expertise is free for you. I am paid by the expert network we implement with. If you implement nothing, you owe me nothing.
No fee: not for taking stock, not for the analysis, not for the ongoing support. You will never get an invoice from me. My income only arises when something is implemented, and it comes from the expert network, not from you.
Fair question. That is why I answer it before you ask. I am tied to no provider and work with the broad market. My business has grown over 35 years through referrals from satisfied clients. A single deal against your interest would cost me my reputation. That is the most expensive asset I have.
Take your desk back.
A first conversation in which we look together at where you stand and what is possible. Free, discreet, without obligation. Afterwards you decide in your own time.