F.A.Q.

Financial consulting is professional assistance in managing personal finances, including analysis of current financial situation, developing strategies to achieve financial goals, and providing investment recommendations.

You should consult a financial advisor in any situation related to personal finance management, especially when planning major financial goals, optimizing your budget, or needing to develop an investment strategy.

An independent financial advisor works in the client's interest and is not obligated to specific financial institutions, unlike bank specialists who may be limited to their bank's products.

A financial advisor provides services for creating personal financial plans, budget optimization, tax planning, investment consulting, and insurance protection.

A consultation typically includes analyzing the client's current financial situation, discussing goals, and developing a personalized financial plan.

The cost of services varies depending on the advisor's experience and scope of work. Some advisors charge a fixed fee per consultation, others a percentage of managed assets.

When choosing an advisor, pay attention to their education, work experience, client reviews, and membership in professional associations.

A personal financial plan is a detailed strategy for achieving financial goals, taking into account current financial situation, income, expenses, and investment opportunities.

The frequency of meetings depends on individual needs, but regular reviews are usually recommended, for example, quarterly or semi-annually.

No, an ethical financial advisor never guarantees specific investment returns, as it's impossible to predict accurately.

Prepare information about your income, expenses, assets, liabilities, and financial goals.

A free consultation is usually introductory and less detailed, while a paid one involves in-depth analysis and development of personalized recommendations.

You can book a consultation through an online form on the website, by phone, or email.

An investment advisor helps choose suitable investment instruments, assess risks, and develop an investment strategy.

An advisor can help optimize taxation, prepare tax returns, and maximize opportunities for tax deductions.

Fiduciary responsibility means the advisor is obligated to act solely in the client's interest.

Developing a comprehensive financial plan usually takes from a few weeks to three months, depending on the complexity of the situation.

Yes, a financial plan is a living document that can and should be adjusted as your life circumstances and goals change.

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Diversification is the distribution of investments across various assets to reduce risks. It's important for creating a stable investment portfolio.

An advisor can help develop a debt repayment strategy, optimize interest rates, and create a plan to improve your credit score.

This depends on your individual situation, but typically health insurance, life insurance, and disability insurance are recommended.

An advisor can assist in drafting a will, creating trusts, and developing a strategy for transferring assets to heirs while minimizing taxes.

Passive income is income that doesn't require constant active participation. An advisor can help develop strategies to create it through investments, real estate, or business.

An advisor can suggest tax minimization strategies, help choose tax-efficient investments, and prepare for tax season.

Financial independence is a state where your passive income covers all expenses. An advisor will help develop a plan to achieve this goal.

The choice depends on your employment situation, goals, and tax considerations. An advisor will help compare options and choose the optimal plan.

A risk profile reflects your willingness and ability to take investment risks. It's determined through questionnaires and discussions with an advisor.

An advisor can help calculate the necessary amount, choose suitable investment instruments, and develop a savings strategy.

A financial buffer is a reserve fund for unexpected expenses. An advisor will help determine the optimal size and method of creating it.

An advisor will help assess financial readiness for the purchase, develop a savings plan, or choose the best financing option.

Dividend reinvestment is the automatic reinvestment of received dividends back into stocks. An advisor will help determine if this strategy suits your goals.

An advisor will help calculate the necessary amount of savings, develop an investment strategy, and plan for income generation during retirement.

Financial wellness is a state of financial well-being and confidence. An advisor will help develop a comprehensive plan to achieve it, including budget management, investments, and risk insurance.