Independent financial coaching

Your money
in Germany,
finally
clear.

I'm Johanna, an independent financial coach for migrant women in Germany. No commissions, no products to sell. Only clarity, a real plan, and someone who speaks your language.

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English Español Deutsch 100% Independent
"No bank advisor works for you.
I do." Johanna Ramirez · BFF
7+
Years in the financial sector
0
Product commissions. Ever.
3
Coaching languages available
100%
Fee-only, independent
Is this for you?

I recognize these
situations because
I lived them.

I arrived in Germany with a solid career in finance, and the system still felt opaque and confusing. Now picture going through that without a finance background.

01
You don't understand your documents

Contracts, tax returns, letters from the Krankenkasse. Nobody explains them without trying to sell you something.

02
You don't trust the banks

The bank advisor works for the bank. They earn commissions on every product they place. Not for you.

03
Your financial future worries you

How does the Rente work? How much should you save? What happens if you lose your job? Without clear answers, uncertainty grows.

04
You send money back home

You have responsibilities in two countries at the same time. Balancing those two financial realities requires a strategy.

05
You want to invest but don't know how

ETFs, Riester, Rürup, Aktien. You hear the terms but don't know where to start or what to trust.

06
Language is a real barrier

Your German is functional, but when it comes to finances and contracts, the language barrier has already cost you money more than once.

Johanna Ramírez
J
Johanna Ramirez · Frankfurt am Main
About me

Migrant,
finance professional,
and your ally.

I moved to Germany from Colombia with a career built in finance: a degree in Finance and International Commerce from Universidad del Rosario and a Master's in Development Economics from Georg-August-Universität Göttingen. And still, the German financial system felt opaque to me.

I know what it's like to make important financial decisions in a new country, in a language that isn't yours.

For years I worked in underwriting at Hannover Re and AIG, analyzing financial risks and evaluating companies across different markets. I learned how the system works from the inside.

Today I use that knowledge with a different purpose: so migrant women in Germany don't have to make financial decisions blindly. BFF is financial coaching with no commissions, no conflicts of interest, and full transparency.

Education and experience
  • Bachelor's in Finance · Universidad del Rosario, Colombia
  • Master's in Development Economics · Georg-August-Universität Göttingen
  • Associate Underwriter · Hannover Re
  • Trade Credit Underwriter · AIG Frankfurt
  • Sustainable Finance · Frankfurt School of Finance
  • Trilingual: Spanish (native) · German (C1) · English (fluent)
Services

A plan for
every stage.

Every program starts with a free 15-minute call. No commitment, no pressure. Only to see if we're a good fit.

Starter Pack
The first
step
From 149 EUR

For anyone who wants to understand their current situation and take the first steps with clarity. One intensive session with a full diagnostic.

  • —Financial diagnostic (60 min)
  • —Financial profile test
  • —Action plan: 3 urgent steps
  • —Personalized resources and checklists
Book a call →
Individual Plan · Most popular
Your real
plan
From 249 EUR

A complete financial plan, tailored to your specific life in Germany: budget, insurance, savings, and investing.

  • —Everything in the Starter Pack
  • —Full annual financial plan
  • —Contract and insurance review
  • —Basic savings and investment strategy
  • —Follow-up session (4 weeks)
Book a call →
Premium
Full
support
From 699 EUR

For anyone who wants real results and ongoing support. Monthly follow-ups for 3 months.

  • —Everything in the Individual Plan
  • —3 monthly follow-up sessions
  • —Long-term investment strategy
  • —Retirement plan (Altersvorsorge)
  • —Full access to BFF Academy
Book a call →
BFF Academy
Monthly membership

Access to exclusive content, live webinars, templates, and a community of migrant women who are on the same path as you.

29€
per month · cancel anytime
Join →
The process

Simple, clear,
at your pace.

01
Free first call

15 minutes to get to know each other. You tell me about your situation and we see together if I'm the right fit. No commitment.

02
Diagnostic

We review your real financial situation: income, expenses, insurance, savings, and what you want to achieve.

03
Your plan

Together we build a concrete plan, adapted to your life in Germany and your real goals.

04
Follow-up

We meet to review progress, adjust the plan, and make sure the results are coming through.

Testimonials

What they say,
those who already
took the step.

"

Johanna explained in 45 minutes what no bank advisor had explained in years. For the first time I understood my insurance and knew exactly what to cancel and what to keep.

M
María C.
Colombian in Frankfurt · Engineering
"

I was afraid to talk about money because I always felt I didn't understand enough. With Johanna that fear disappeared. She speaks my language, literally and culturally.

L
Laura V.
Venezuelan in Berlin · Healthcare

Your story could be here.

Book your free first call →
First step

15 minutes to see
if we're a good fit.

Book a free first call. No pressure, no commitment. A straightforward conversation to see how I'm able to help you.

Completely free In Spanish, German, or English No commitment Via Google Meet, WhatsApp, or phone
Book my free first call johanna.ramirez@bff-financecoaching.de