It all started 10 years ago when Tomas' mother became permanently unable to work due to an illness. Since she did not have occupational disability insurance, she was left with almost nothing: Because basic state benefit in Germany is only 540€ per year.
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This encouraged Tomas to prevent other people from suffering a similar destiny. But Tomas had to learn the hard way that doing so isn't easy in Germany.
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The focus of traditional financial "advice" is not the client’s wellbeing, but mostly quick profits through commissions and fees. In order to make a quick buck, advisors often exploit the ignorance of their clients. Not so with Tomas!
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"Let’s make a change", he thought and the idea of muffin was born.