CapitalPath
Retirement and protection planning in Germany, built around real life.
Orientation on protection and retirement in Mülheim-Kärlich. The focus is understanding the situation before any contract comes up. Advice within the ERGO range, not across the whole market.
The CapitalPath approach
How it works
Understand first. Then decide.
01
Understand
Where things stand today, what is already covered, and what matters.
02
Protect
What would be hard to replace: health, income, family?
03
Build
What is set aside for later, and which commitment can be carried.
04
Review
Life changes, so a fresh look is taken from time to time.
Topics
Where things stand now
- Income could stopDisability income protection and income security.
- A child on the way, or already hereKindervorsorge — start early, keep options open.
- Will the pension be enough?Retirement income gap and private pension.
- Statutory or private health cover?Private health insurance (PKV) — when it fits and when it does not.
- Self-employed or GmbHBusiness owners — company wealth vs personal retirement.
- What changes in 2027?Altersvorsorgedepot and the new subsidy rules.Contracts from January 2027, waitlist open
Common questions
Common questions
Is CapitalPath an insurer?
No. CapitalPath is neither an insurer nor a product. It is Nilesh Kulkarni’s intermediary platform. Any contracts come from companies in the ERGO range, if they arise at all.
What does “tied to ERGO” mean?
Intermediation as a tied agent under § 34d (7) GewO, register no. D-LRXV-ZPVYW-76 with IHK Koblenz. No whole-market comparison beyond the ERGO range. Full details in the initial information.
What happens in a call?
The same four steps, taken calmly: understand, protect, build, review. No script and no pressure to sign. Book via Calendly, phone or WhatsApp as on the contact page.
Does a product have to be chosen already?
No. The aim is to sort the situation first. Many calls end with the next question, not an application.
Contact
Sort the situation — book, call or message
No form on this site. Calendly, phone, WhatsApp or email, as on the contact page.