Financial Analysis

Financial analysis consists of several parts:

Client’s objectives

Every person has different dreams, desires and goals. The aim of this analysis is to identify which goals are the most important for the client. The areas in which we provide help to our clients are:

  • Property protection
  • Liability for damage
  • Income and family protection
  • Government grants and subsidies
  • Housing planning
  • Securing retirement
  • Investment planning
  • Asset management
  • Financial optimization
  • Cash flow management
  • Risk management
  • Tax optimization

Financial audit

It is an in-depth examination of existing contracts with the financial market and assessment of their suitability for the client in terms of objectives the contracts were agreed upon as well as from the perspective of efficiency of their use. Due to low expertise and financial literacy of financial intermediaries, but also because of a poor system of commission remuneration as well as excessive pressure on performance, products of no fundamental importance for clients are signed, or clients are even harmed very often. The result of the audit is to develop an optimization, which aims at using the client funds in a more efficient way.

Cashflow - Balance Sheet

This section reviews and assesses the client's assets and liabilities, his incomes and expenditures. Altogether this information creates an overall picture of his financial situation. To assemble the financial plan correctly it is necessary to know all the details and circumstances which may affect the overall outcome.

  • Income from employment - gross, net, bonuses, number of salaries, length of time worked, job security
  • Income from business - annual turn-over, tax base, contributions, earnings share, income
  • Parental and child allowances
  • The financial reserve - the amount, liquidity, risk
  • Passive income - the type of income, level of liquidity, risk of the assets
  • Retirement benefits - income stemming from years worked (in case of some public jobs - e.g. policemen, soldiers, etc.), retirement income, survivor income, widow income
  • Detailed summary of expenses - housing, mobility, insurance, household, kids, lifestyle, savings and loans
  • Assets - the type of asset, risk, liquidity, P/E ratio (price / earnings), ROA (return on assets), the fair value
  • Liabilities – type of loan, principal, interest rate, APR, payment, maturity, balance, security, objective, burden, penalties

    • Only based on all these information and facts a professional financial plan reflecting all the aspects and ensuring an effective completion of all client‘s goals can be established. Everything else is just selling.