You don't have to know which product you need. Just know what you want to solve. We'll start with your situation and then we'll find a solution.
To make your finances fit your life today and in other years.
Are you looking for a mortgage advisor in Olomouc? We'll go over the family balance sheet, own funds and reserves. I'll help finance the purchase and assess the current mortgage.
We'll set the insurance based on the real effects of sickness, injury and other risks. First, we'll find out what your reserves and contracts are covering.
Each target has a different time horizon. Together, we set a plan that you understand and that you can keep in the long term.
The company and the family are related, but their risks and their assets need their own plans.
The company's insurance begins with a risk map. We map the risks of operation and check whether the current cover corresponds to today's value of the company and the way in which the business is done.
We discuss how the company will withstand an unexpected event and how such a situation will be reflected in the owner's personal finances.
Entrepreneurship may not be the only source of future income.
Moving to Czechia, studying here or extending your stay? I can help you understand your insurance options and review the conditions for your situation.
Consultations are also available in English.
Eligibility depends on your residence status, employment and other legal conditions, not nationality alone. Permanent residence, certain employment situations or special protection statuses may qualify you for the public system.
A long-term residence permit alone does not automatically qualify an adult for public health insurance.
Some long-term visa and residence applications require proof of travel health insurance. Whether urgent and necessary care or comprehensive cover is required also depends on where you apply and how long you will stay.
Check the required document according to the instructions of the Ministry of Interior.
Since 2024, children under 18 with a long-term residence permit are included in public health insurance. A long-term visa is not the same as a residence permit.
Check the registration and payment of insurance premiums directly with the health insurance company.
This is a general overview, not confirmation of entitlement or acceptability of documents. Check the current requirements and exceptions with the Ministry of the Interior and the relevant health insurance companies. The scope and price of commercial insurance depends on the specific offer and insurance conditions.
Discuss health insuranceRead the guide to insurance for foreignersMore about health insurance for foreignersPractical questions
What will change when a disease or accident breaks pleasantly? We start with household spending, reserve and existing contracts. It is important to distinguish between voluntary sickness insurance and commercial insurance for the self-employed; the payment of the sickness alone does not guarantee entitlement to the benefit.
Calculate income outageThe company's money may not be available for family expenses. Therefore, the personal reserve is assessed separately from operating money and long-term objectives. The budget will show how much each month remains; the financial plan will then link the deadlines and costs of your goals.
Map Your BudgetThe higher wage brings money available at the moment. The contribution to the old product serves a different purpose and its tax benefits have the conditions. The calculator compares the same amount and separates the net wage from the funds for the old and the cost of companies.
Compare wages and allowancesConsultation can be arranged in Olomouc, Brno, Prague or Ostrava, or online. We will confirm the specific place and date together.
Book a consultationProperty, responsibility and free funds of the village in one place.
The municipality manages public funds and decides under public control. This places claims different from a private company for each decision to be justified not only by the outcome, but also by the way it is created.
I help municipalities and their organisations to make an overview of three things: what and how they have insurance, where money runs out in operating costs and what options exist for free funds and reserve. The output is not a product, but a basis with which to go to advice or council.
Buildings, technology, communication and public space. The responsibility of the municipality for damage and the responsibility of representatives and managers. Revision of contracts which have been extended for years without change.
Fleet insurance, municipal engineering and contributory organisations, seasonal operations.
What happens when a key building or equipment falls out. We will check the scope of the cover and the possibility of financing the replacement operation, so that the impact on the budget of the municipality is clear.
I'm going through existing contracts, looking for overlays, lockouts and places without cover. The output is a clear recap, not an offer.
An overview of the possibilities the municipality has for the funds in the current account, including the terms and conditions, liquidity and that for which the municipality is committed.
We will go through the reserves in relation to current expenditure and investment commitments, so that the municipality has an overview of the temporal mismatch of revenue and expenditure.
Compare the terms of repeated expenses and insurance. Often these are items that have not changed for years because there was no time for them.
Let's see what the community has that burns it and who decides what it decides.
You will get a written overview of the current situation and the location where I see risk or space.
Variants and what they involve in the form that can be presented to the council or the council.
Municipality and city, contribution organisation, voluntary association of municipalities and organisation of established municipalities.
Do you want to know how your community is doing? Let's arrange an opening meeting to review existing contracts and get an overview in writing.
Set up a meeting for the villageWhy a consultant and not a banker
You don't have to have everything ready. We'll start with what you're dealing with.
First meeting free and free.