My offer
Who this is for
who want order in their budget, reserves, and insurance.
(or planning one) who do not want to risk financial overload.
dealing with irregular income, taxes, and future retirement.
but is not sure whether they are choosing the right products and risk level.
comparing everything in detail and will appreciate a clear action plan.
My approach
What you get
A clear money map – where you are today, where you want to go, and how.
Priorities and a timeline – what to do now, what can wait, what is “nice to have”.
A solid setup – budget, reserves, insurance, and debts in balance.
An investment strategy – how much, where, and why; sensible risk and discipline.
Control and peace of mind – you will know that your decisions make financial sense.
Analysis content
What I analyse
How it works
What you take away
– goals, expectations, main concerns and priorities (30 minutes).
– I review your numbers and contracts, identifying weak spots and opportunities.
– you receive a clear solution in options tailored to your budget and preferences.
– I help set up products/services and coordinate everything (mortgage, insurance, investments).
– once a year (or when life changes) we update the plan together.
PDF summary: current state → goals → steps → deadlines (1–2 pages).
Detailed plan: budget, reserves, debts, insurance, investments (with rationale).
Action checklist: who/what/when – clearly divided steps so you know what comes next.
Simple overviews: cash flow table, reserve plan, investment framework (horizon/risk).
Service: alerts for key milestones (fixed rate expiry, insurance reviews, target amounts).
FAQ
Frequently asked questions
How much does it cost?
The initial consultation is free. I always explain my fee upfront – usually no direct cost for the client (commission from the provider). If you would like the plan as a standalone service, a fixed fee can be agreed.
I do not want to change my existing products. Does a plan still make sense?
Yes. The goal is efficiency, not mandatory change. If what you have is good, we simply fine-tune it.
How often do we update the plan?
Ideally once a year or when a major life change occurs (mortgage, new child, business, moving).
What if I have irregular income (sole trader/business)?
We will factor in seasonality and build a buffer for reserves and tax so that fluctuations do not stress you out.
What is the guarantee of results?
A “return” guarantee is not possible. I guarantee the process: clear explanation, transparent costs, regular service, and a plan tailored to your risk profile and goals.
Do you work outside Hradec Králové?
Yes, online across the whole of Czech Republic, in person by arrangement.
