Independent financial planning & coaching · Built for internationals in Europe
Know where you stand.
Know what to do next.
Alba is your independent financial planner and coach. It starts by understanding your life, then builds one complete plan across savings, investments, pensions, taxes and insurance. Every number shows the math behind it — and the plan stays current as your life changes.
Have an invite code? Create your account — your first week of full access is free.
Independent & fee-based — we never earn commissions · Built for cross-border lives · Human coaching when you want it
Earning well is not the same as being on track.
You have a good income. But the money sits across accounts in two countries — some ETFs here, an old pension there, and a nagging feeling you should be doing more with it.
The system doesn’t help. The tax rules are written in German or Portuguese. Most local advisors earn commissions on the products they sell you, so their incentives aren’t yours. And a generic AI chatbot doesn’t know how your pension actually works — and won’t be there next month to check you followed through.
So most people park the decision. That’s the most expensive option of all.
Opaque systems
Two countries, two tax codes, neither in your language.
Conflicted incentives
Free “advice” that’s paid for by the products it sells you.
No single picture
Accounts everywhere, a spreadsheet you stopped updating, no plan.
One conversation. A complete plan. Kept current.
Start with your life, not your portfolio
Tell Alba about yourself in a normal conversation — your goals, your situation, your cross-border reality. No forms, no jargon. A first picture in about 15 minutes.
See your complete plan
Net worth, cash flow, retirement outlook, insurance gaps — one living plan across everything you have, in every country you have it. Every number shows the math behind it.
Keep it current
Life changes, and the plan follows. Alba flags when you drift off track, answers questions all year, and when you want a human, you book a coaching session.
Your full picture
All of it in one place — accounts, investments, pensions, property, debts. Across countries and currencies. Updated by you in minutes, not by another bank login you don't trust.
Your future, projected
Where you'll be at 45, 55, 67 — retirement readiness, financial independence, big life events. Tap any number and see exactly how it's calculated. No black boxes.
Ask anything, anytime
A planner that knows your situation and the German and Portuguese systems in depth. It explains your options and trade-offs in plain language — and remembers the answer next month.
Always a next step
A short, prioritized list of what actually moves your plan forward. Do it, check it off, watch the projection move.
Alba makes money one way: you pay for it.
No commissions. No product sales. No kickbacks from banks, brokers or insurers — ever. When Alba lays out your options, nobody is paying us to steer you anywhere.
That’s the whole point. Planning of this depth used to come with a private wealth manager and a six-figure minimum. Alba exists so you get it while you’re still building.
Simple pricing. One plan.
Every new account starts with a free week of everything — no card required. After that, stay free or keep it unlimited.
Alba Plan
€8.25/month billed yearly (€99)
or €14.99 billed monthly
Unlimited planner conversations — ask anything, all year; fair use applies. Same AI on every plan: you’re buying usage, never a smarter planner. Cancel anytime.
Your first week is free — full access, no card needed.
Explore
€0
Where you land after your free week if you don’t subscribe. The complete product — every view, projection and tracker — with 3 planner messages a month.
Human coaching, when you want it
60 minutes with a financial coach, on your actual numbers. Single session €149 · first intro session €99 · pack of three €399 · €99/session for annual members.
Prices include VAT. Checkout on the web — no app-store detours. Alba is in invite-only beta; these are the real prices from day one, so there’s no founding discount that quietly disappears later.
Request access
Tell us a little about you. David reviews every request personally, and you’ll hear back within a day or two.
Have an invite code? Create your account
Built by someone who’s lived it.
“I’m David — fintech builder and an expat many times over. I’ve built portfolio tools used by 35,000 people and analytics for institutions managing over €1.5 trillion. But when it came to my own cross-border finances, everything on offer was either conflicted, shallow, or not built for a life across countries. Alba is the planner I wanted for myself: independent, complete, and honest about the math.”
David Hamel · Founder — MSc Finance & Investments (RSM Erasmus) · previously Ziggma, DeRisk, Porsche Digital · davidhamel.co
Frequently asked questions.
See where you stand by tonight.
Fifteen minutes of conversation. A complete picture of your finances. A plan that’s actually yours.