Financial knowledge is the first step to more freedom.
We share what we've lived ourselves for years: precious metals, equities, forex, crypto, and strategic thinking. No investment-advisor promise — just knowledge, tools, and a network to help you make your own decisions.
Precious Metals
Physical gold & silver as a building block for wealth protection.
Crypto & Trading
Access to tools, knowledge, and an active trading community.
Stocks & Forex
Fundamentals and strategies for capital markets & currency trading.
Mentoring & Knowledge
Live calls, courses, and guidance along your journey.
Community
Connect with people on the same path.
Events
The HEJ Collective Club — meet in person.
Our story, told honestly.
The HEJ Collective grew out of a simple idea: protecting one's own wealth. Oliver and Franziska Ebertowski wanted to safeguard what they had built up over the years — and began engaging intensively with precious metals, equities, and forex. Together with network partners, this grew into a system of knowledge and exchange that today carries a growing community.
We are not financial advisors and do not give investment recommendations. What we share is our own knowledge, our experience, and access to a network of partners, tools, and people on the same path.
Oliver Ebertowski
Entrepreneur and investor. Founded and led several companies in Hamburg, including in HR management and as managing partner of an investment holding company. Since relocating to Croatia and South Africa, his focus has been on precious metals, capital markets, and international investment structures.
Franziska Ebertowski
Entrepreneur and networker. Worked in Hamburg as a celebrity and influencer manager and built up a social media agency. After relocating in 2021, she founded hejhappynewlife and several companies in Croatia — today she's the go-to person for community and mentoring at The HEJ Collective.
More Experts
We're continuously expanding our network with experts from various fields.
Six areas. One network.
Choose what fits your path — or combine them. It all starts with a free potential analysis.
Precious Metals
Physical gold and silver as a building block for long-term wealth protection — first-hand knowledge & access.
Stocks & Forex
Fundamentals, strategies, and structure for getting started in stock and currency markets.
Crypto & Trading
Tools, structures, and learning content to get started and grow in crypto and trading.
Mentoring
1:1 conversations and live calls where we look at your questions and situation together.
Community
Connect with people who share the same interests — online and in person.
Events
The HEJ Collective Club brings you together in person — wherever we happen to be.
Two paths, one goal.
Whether you're just getting started or already bring more capital — together, in a personal conversation, we'll find the right entry point for you.
Start Together
For anyone starting with €600 who wants to approach trading step by step. With our support, you move purposefully toward financial freedom — gradually building up capital you can later use for your own trading as well.
- Access to the Trading Academy
- Regular live calls
- Access to the large community
- Developing your financial intelligence
- Professional risk management
- Option for referral marketing
For Higher Amounts
For anyone who wants to invest more. Your money always stays with you and is managed by you alone — but you're not left on your own: experienced experts accompany and support you, giving you the right tools along the way.
- A structured approach instead of individual speculation
- Active guidance & exchange
- Same access to the Academy & live calls
- Developing your financial intelligence
- Professional risk management
- VIP or 1:1 trading group (depending on investment volume)
Meet up. Speak openly. In person.
Knowledge grows through conversation. The HEJ Collective Club brings the community together in person — wherever we happen to be. Currently free and open to everyone.
HEJ Collective Club — South Africa
We're meeting in Cape Town — questions, experiences, real conversations.
Register now →HEJ Collective Club — Croatia
We're meeting in Split — questions, experiences, real conversations.
Register now →HEJ Collective Club — Germany
We're meeting in Munich — questions, experiences, real conversations.
Register now →HEJ Collective Club — Austria
We're meeting in Katschberg — questions, experiences, real conversations.
Register now →Real voices from the community.
Insights from people who are already part of The HEJ Collective.
"Investing safely in gold and silver, even outside Europe — Oliver gave me really good, concrete tips."
"Thank you, Franziska and Oliver, for your experience around financial freedom — it really moved me forward on my journey."
"Thanks for the honest conversation in the introductory call. I'm already looking forward to the first event in Austria!"
"Thanks to the Trading Academy, I finally understand how to approach the market in a structured way — without all the hype."
"The conversations in the HEJ Collective Club are more honest than anything I'd read in Facebook groups before."
"I was able to start with a small budget and was welcomed by the community from day one — exactly what I was looking for."
60-Minute Potential Analysis & Strategic Direction.
A free strategy call where we look at where you stand, which areas suit you, and how The HEJ Collective can support you with knowledge and network. No sales pressure, no personalized investment advice — instead, real knowledge, access to our community, and honest support on your journey.
Book Your Free Strategy Call