The path from first meeting to peace of mind.

6 steps, no surprises, no hidden fees.

The first meeting is free and no-strings. We don't sign anything, we don't commit to anything. We just talk about what you need.

Everything that follows is clearly laid out. You know what we're doing, why, and how much it will cost (usually: nothing — my commission comes from the institution, not from you).

1. 1Free consultation (30 min). In person over coffee or online. We talk about your situation, your goals and your fears. I ask a lot of questions and listen.
2. 2Analysis of your current state. I review your existing products: mortgages, insurance, savings, investments. Where you're paying too much, where you have gaps.
3. 3Proposal. Within a few days you get a concrete plan with specific products, numbers, and expected outcomes. In writing, so you can review it calmly.
4. 4Decision together. We go through the proposal, discuss alternatives, adjust what doesn't fit. You decide what we actually implement — nothing is pushed.
5. 5Implementation. I prepare the paperwork, deal with banks and insurance companies, communicate with everyone needed. Your job: show up with ID and sign.
6. 6Ongoing care. Market changes, your life changes, rules change. We review once or twice a year to make sure things still fit — and I'm here between reviews for any question.