Finance Zítkovi

Mr. Zítek guided us through the entire mortgage process from start to finish. From presenting different scenarios to choosing the best mortgage to insurance. He spent a lot of time in meetings and preparing materials, which made everything go completely smoothly and practically worry-free for us.

I can only recommend Zítka's Finance!🌟 I liked the personal approach when Karolína asked about my current financial management, monthly income and expenses, found out my relationship with money and my goals for the future and based on that, she created a tailor-made financial plan for me and was able to adjust my life insurance so that it really fit my needs and I didn't pay anything extra unnecessarily. It's not easy to share such personal information, but Karolína is very trustworthy and has an overview of all financial areas, so I'm glad that the services are not limited to just one meeting, but I can contact her at any time. 🙂 I can't imagine proper financial advice other than this. It seems like a miracle to me nowadays to find someone who does their job so honestly and with enthusiasm and a real desire to help. Thank you very much and I look forward to further cooperation. ☺️

I came across Mr. and Mrs. Zítek on Instagram, where I was interested in their profile and the posts they shared seemed both beneficial and understandable. So when I was deciding who to turn to for financial advice this year, I chose Mr. and Mrs. Zítek. I have already had several meetings with Mr. Zítek, during which we set my financial goals together. I especially appreciate their human approach and patience in explaining all the options. So far, I am satisfied with the results and can recommend their cooperation.

Karol and Martin are my former colleagues from the field and Martin is a long-time friend of my boyfriend. I worked in finance for 2.5 years myself, but this field was not my cup of tea and I learned that few advisors can really help without feeling the whiff of business at first glance. Even though I had experience with finance myself, my life and financial situation was complicated and since I have not been in the field, I have stopped having an overview of the family budget and have lost awareness of the possibilities on the market. My boyfriend and I know how much to spend on paychecks, but how much money and where we put it outside of that has always been chaos. With the transition to freelancing in my business after leaving finance, my income decreased and the situation became unbearable, as I carry considerable obligations from the past associated with business failures and a difficult life situation. I expected that our problem was low income, but Karol convinced us that we actually didn't have a system. Not that I didn't know, but I never addressed it because my boyfriend never wanted to address it and avoided advisors. I considered consulting the whole situation with someone who could really help us, but I always gave up because I was ashamed of my financial situation and obligations as a former financial advisor, and I didn't believe that anyone could help us and understand us. Someone who won't break a sweat when they find out that we don't have free funds to invest and don't even want a mortgage = it won't be a real deal. I'm not writing this review as a friend, but as a client who met an advisor for the first time in years who addressed our financial mindset and habits and went in depth with complete humanity and empathy. The second meeting hasn’t happened yet, so I can’t say for sure if there’s a way to reduce my debt, but my boyfriend and I left motivated and reconciled to the reality that we really need to be more aware of our income, track it, understand it, and change our habits. That’s a huge step for me. For both of us, actually. I still feel bad about being a financial advisor who tried to do the best job I could, but I didn’t have control over my own financial situation due to the circumstances. But I didn’t feel for a second that my shame was justified. Now I know that even if I couldn’t reduce my debt, given the methodologies and terms of the contracts I have, I gained much more. An objective view of the whole situation and a sense of guidance from someone who really has the experience and knows it. Maybe I lived for a long time in what I wanted and how we should live, without accepting the reality that needs to be worked with NOW. Thank you. Thank you. Every counselor should have this kind of approach and I am happy that we managed to establish cooperation with the Zítkas despite the booked dates. 🙏🍀

I met the company Finance Zítkovi a few years ago when I needed to change my life insurance. At that time, we were only dealing with this one issue and I found their approach to be good, I especially appreciated their new way of online meetings. However, a year ago, we wanted to start dealing with family finances on a larger scale, including mortgages, life insurance, savings and investments. They were the first choice, so I also involved my partner. But this is where our disappointment began. Life insurance was at least 200 CZK more expensive per month than with another advisor, and the discount that was possible was omitted. At Conseq, the advisor arranged a prepaid fee of 2000 CZK for me, which can be spread over installments (the rest of the deposit will immediately accrue interest), but that would mean a lower commission for her. The mortgage is a chapter in itself, I do not share the opinion that it is a professional approach when you arrange a mortgage and receive information about the necessary documents gradually, under time pressure, when you already have a signed purchase contract and are playing for time. We came to the advisor with the idea that we would get the best offer from the banks, but we were mainly pushed to ČS, where they told us that they had good relationships and arranged discounts via e-mail. In the end, we did not get any discount. As for communication, a big disappointment. Repeatedly urging the bank to change personal data, contacting by e-mail and SMS without a response, lengthy product solutions and then expensive fees. When I confronted the advisor with the fact that their communication and work on products was unacceptable to me, she sent me a long defense of Consequ and their "transparency" and immediately agreed to end the cooperation. I had the products checked by another expert and it turned out that they all have high entry fees that ensure that the client does not terminate the contract and the advisor gets his commission. I am really sorry because I believed in their business, but it was confirmed again that what one does not do by oneself… I would definitely not bet on creating a financial plan from Zítka Finance. You pay high entry fees and from what I saw on their Instagram, you are already paying for the creation of the plan itself.