Independent financial coaching

Your money
in Germany,
finally
clear.

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

Book your free first call View services
Español · English · 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%
Independent fee-only
Is this for you?

I recognise these
situations because
I lived them.

I arrived in Germany with a solid finance career and still found the system opaque and confusing. Imagine without that background.

01
You do not understand your documents

Contracts, tax returns, Krankenkasse letters. Nobody explains them without wanting to sell you something.

02
You do not trust the banks

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

03
Your financial future worries you

How does the Rente work? How much to save? What if I lose my job? Without clear answers the uncertainty grows.

04
You send money home

You have responsibilities in two countries at once. Balancing those two financial realities requires a strategy.

05
You want to invest but do not know how

ETFs, Rürup, Aktien — escuchas los términos pero no sabes por dónde empezar ni en qué confiar.

06
Language is a real barrier

Your German is functional, but in finance 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 arrived in Germany from Colombia with a career built in finance: a degree in Finance and International Commerce at Universidad del Rosario and a Master in Development Economics at Georg-August-Universität Göttingen. And still the German financial system felt opaque to me.

I know what it is like to make important financial decisions in a new country, in a language that is not yours.

For years I worked in underwriting at Hannover Re and AIG, analysing 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 do not have to make financial decisions in the dark. BFF is financial coaching with no commissions, no conflict of interest and full transparency.

Education and experience
  • Master Development Economics · Georg-August-Universität Göttingen
  • Bachelor Finance · Universidad del Rosario, Colombia
  • 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 moment.

All programmes start with a free 30-minute call. No pressure, no commitment. Just to see if we are a good fit.

Not ready for 1:1 coaching yet? Start with BFF Academy: live webinars, templates and a community of migrant women. Members get exclusive discounts on all plans.
29€ / month · cancel any time
Join now →
Starter Pack
The first
step
From 149 EUR

For those who have been in Germany over a year and still lack clarity about their real financial situation.

  • —Full financial diagnosis (60 min). We review income, expenses, debts and insurance without judgement.
  • —Financial profile test. You know exactly where you stand and why.
  • —Action plan: the 3 steps with the most impact for you right now.
  • —Personalised resources and checklists to implement on your own.

One correct financial decision recovers this investment in the first month.

Book a call →

Free 30-min call. No commitment.

Individual Plan · Most chosen
Your real
plan
From 249 EUR

For those with stable income who are not sure if they are saving in the right place or if their insurance makes sense.

  • —Everything in the Starter Pack.
  • —Full annual financial plan adapted to your life in Germany.
  • —Contract and insurance review. Many migrants pay for insurance they do not need or are missing mandatory ones.
  • —Follow-up session at 4 weeks to review progress and adjust.

Not having the right insurance in Germany can cost over 2,000 EUR a year. This plan closes those gaps.

Book a call →

Free 30-min call. No commitment.

Hands-On Support
6 weeks
with you
From 399 EUR

For those who want to implement, not just plan. Three sessions plus direct follow-up between sessions.

  • —Everything in the Individual Plan.
  • —3 working sessions (weeks 1, 3 and 6). We implement together.
  • —WhatsApp follow-up between sessions.
  • —Closing checklist with the next 90 days planned.

Available in 2 instalments of 200 EUR. No interest.

Book a call →

Free 30-min call. No commitment.

Premium
Full
accompaniment
From 699 EUR

For those who want to transform their financial situation in 3 months with real monthly follow-up.

  • —Hands-On Support plan.
  • —3 monthly follow-up sessions based on your real life.
  • —Long-term investment strategy: ETFs, Sparplan tailored to you.
  • —Retirement plan (Altersvorsorge). Migrant women have an average pension gap of 30%.
  • —Full access to BFF Academy during the programme.

The cost of having no pension plan compounds every year. Available in 3 instalments of 240 EUR.

Book a call →

Free 30-min call. No commitment.

The process

Simple, clear,
at your pace.

01
Free first call

30 minutes to get to know each other. You tell me your situation and we see together if I can help. No commitment.

02
Diagnosis

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

03
Your plan

We design together 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 ensure the results arrive.

Testimonials

What they say
who already took
the step.

"

Johanna explained in 45 minutes what no bank advisor had explained to me 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 did not 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

30 minutes to give your
finances a new direction

Book a free first call. No pressure, no commitment. Just an honest conversation to see how I can 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
Past events

Past
events.

01
Financial Bias and Migrant Women

Talk presented at La Juntanza, organised by Association La Voie des Femmes. A conversation about how algorithms affect migrant women's money.

1 April 2025 · Paris, France

Locaux LCR · 22 rue Robert Houdin, 75011 París

02
Financial Café · BFF Launch

Launch event for Better Financial Future, an initiative for the financial inclusion of migrant women in Germany. Discussion, networking and community.

16 April 2026 · Frankfurt am Main

MOYA Café · Adalbertstr. 11, 60486 Frankfurt