Services

How I can help

Your home, family finances and investments are connected. A mortgage shapes your budget, your budget shapes your savings, and your savings shape how calmly you can invest. That’s why we look at them together.

Home and mortgages Family finances and protection Investing and retirement

Home and mortgages

The interest rate is only the start. What matters is choosing a bank that lends on terms that suit your situation, and setting payments you can still manage in a few years when family life changes.

Talk about your home

Your first homeHow much you can borrow, how much you need to save and how the process works.

Choosing a bankWe compare offers and conditions, not just the rate.

Refixing and refinancingWhen your fixed rate ends, we check whether to stay or switch banks.

OverpaymentsWhen they make sense and when your money is better used elsewhere.

A payment that fitsSo your mortgage stays manageable through parental leave or a job change.

Home insuranceInsured for its real value, so a claim isn’t cut short.

Mortgage calculatorSee your monthly payment and total interest

Family finances and protection

A budget and an emergency fund are the foundation everything else stands on. Insurance then protects your income and family in case something goes wrong. It’s not about paying the most, it’s about covering the right risks.

Talk about family finances

BudgetWhere your money goes and a system that won’t feel restrictive.

Emergency fundHow much to keep aside and where, so it’s there when you need it.

Life insuranceCover for disability, serious illness and loss of income to fit your situation.

Accident insuranceClassic accident cover including permanent consequences of injury.

Home and contentsProperty, contents and liability insurance.

Debts and loansRefinancing or consolidation so debts don’t cost more than they need to.

Life insurance calculatorA rough idea of how much cover you need Property underinsuranceWhat the insurer would really pay after a claim

Investing and retirement

Real returns depend on the right tools, your risk profile and your time horizon. We look for a strategy you can sleep well with. For retirement, the earlier you start, the less it costs you.

Talk about investing

Regular investingA strategy built around your goals, horizon and attitude to risk.

Saving for goalsA car, a wedding, your kids’ education or your own home, with a clear plan.

Pension savings (penzijko)How to get the state contribution and set it up so it makes sense.

DIPThe Czech long-term investment product and the tax benefits it brings.

Employer contributionsHow to make the most of them.

Review of existing contractsWe look at what you already have and whether it still fits your goals.

Investment calculatorWhat you could have based on contributions and risk profile Retirement calculatorWhat you’ll have in retirement and whether it’s enough

Who it’s for

I can help if you

Are buying your first homeand don’t know what you can afford.

Are planning a familyand want your finances under control.

Have a mortgage and want to optimise itrate, refixing, overpayments.

Earn well but don’t know where it goesand finally want a clear overview, savings and a plan.

Next step

Sound familiar?

The intro consultation takes 30 minutes, is free and comes with no obligation. Online, or in person in and around Prague.

Pick a time Get in touch