I am your

Financial bodyguard



So, you don’t want to lose any more money.

Financial uncertainty. Indecision. Worry. Debts. Disputes in the family over money … Enough is enough. I can take the weight off your shoulders.

My name is Jaroslav Gall, EFA, and I am your mortgage adviser and asset manager.

Mortgages

  • How high a mortgage can you get? You can find out in 5 minutes.
  • Is a mortgage for an investment apartment worth it? Let’s count it.
  • Are you self-employed and optimizing? You will secure a higher mortgage with me.
  • And what’s more – I have a trick to prevent you from overpaying a mortgage and save 100 thousand per 1 million.

I want to calculate a mortgage →

Savings and investments

  • Building savings, pensions or investment in mutual funds? We will find the most suitable one for you.
  • How to invest in non-quiet times? Ask me for current tips.
  • Do you want yields of 5% per year? Invest safely as a Nobel Foundation.

I want to protect the value of my money →

Insurance

  • Don’t know if you overpay for compulsory liability / apartment / house / cottage? It’s easy to find out.
  • Do you want to know if you have the wrong fuse box? Save stress and avoid unnecessary mistakes.

I want advantageous insurance →

Asset and reserve creation

  • Do you know how to prevent the impairment of your property? I will share my know-how with you.
  • Do you want to effectively expand and secure your money or assets? Let me me set the right rules.
  • Do you want to be financially independent? It’s not a dream! I will teach you how to sleep peacefully.

I want my property to appreciate in value →


“One does not know what money is as long as one has it.
And he doesn’t know what a family is until he has one.”


 Claude Monet, impressionist artist

I help solve

Problems

We deal with many events related to money in life. From housing acquisition, through business financing, to loans for the purchase of equipment, cars and household items. Sometimes everything is easy, other times not. During my practice, I have dealt with many unsolvable and intricate situations where clients were driven into a corner and did not get help anywhere. Read what we managed to solve together. Maybe you’ll see yourself when reading their situation.

House on foreign land + citizens of Slovakia + 100% mortgage = HEAVY combination

Miroslav a Blanka, August 2016

Mirek, Blanka and their three children have been living in Prague for years. They knew the apartment they wanted to buy well, as they rented it from the owner, who later agreed to sell it to them. Mirek and Blanka have Slovak citizenship and permanent residence, which meant that most Czech banks viewed them as foreigners, even though most Czech people think of Slovaks as are our “brothers”. Another complication was that the land was owned by somebody different (not the landlord who had agreed to sell it to them. In fact, the land was owned by 3 completely different people …

The whole story (CZ) →

How not to lose the 100 thousand reservation deposit for an apartment?

Patrik, self-employed Programmer, June 2016

Patrik called me to say that he would like a mortgage of 6 million, ideally for 100% of the value of the property, so that he would be left with a reserve for furniture and other expenses. At the meeting, I found out that he had already paid the developer a non-refundable deposit of 100 thousand without discussing the mortgage agreement with anyone. He thought there would be enough time to earn the money, as the construction would take two years, and he had enough income as a capable JAVA programmer. But he did not realize that, as a self-employed person, banks rate creditworthiness much worse, because they do not calculate the turnover, but the amount of the tax base! And suddenly, the joy of owning a house almost became a loss of 100 thousand.

The whole story (CZ) →

How we saved 207 thousand, annually

Richard, April 2013

Richard and I met at hockey. We happened to get stuck into what I do for a living. Richard said, “Then I’ll need you, my friend. I want to finally get my loans and credits in order and not pay the crazy interest.” A difficult divorce had financially exhausted him, but his 4 children still had to be fed. The instalments totalled an incredible 74,000.

The whole story (CZ) →

Cancer – husband’s departure – depression – usury loan – disability

Pavla, summer 2017

The whole story was published in Deník, in the article Predátorské úvěrování – v autobazaru dali ženě půjčku s úrokem 40 procent.

I would draw attention to two important financial issues: 1) After revising her portfolio in 2015, including the insurance contract, I recommended Pavle to supplement the coverage for disability and incapacity for work. Unfortunately, she decided that she would rather save on insurance. In August 2017, she was registered as level 3 disabled. She could have been half a million richer and she wouldn’t have faced the following problem …

The whole story (CZ) →

Execution of daughter’s estate after the daughter found herself responsible for her ex-husbands debts

Mrs. Palečková, summer 2018

You can’t choose your parents, but you can choose your husband. Even so, sometimes it doesn’t work out. Ella’s husband struggled with his business for several years until he began to take out more loans, taking loans from one bank to pay off a debt from another. Disagreements between Ella and her alcoholic husband led to divorce and a “legacy” of 200,000 from insurance fraud. Ella had two small children and there was simply no money to provide for them. Plus, where would they live now?

The whole story (CZ) →

Before my intervention: non-payable. After my intervention: up to 4 years

Olga, June 2012

Mrs. Olga and I met at a difficult time – her wallet was bleeding money. Her investment in her business was returning slower than expected (she had an e-shop for cosmetics) and during that period she took out 6 loans (3 used credit cards, 3 consumer loans). Total debt 841,000…

The whole story (CZ) →

Blog (CZ)

Read current information from the financial world, instructions and recommendations on how to best manage your finances.

Hypotéky

Má Karel umořovat hypotéku dříve? Ano či ne?

Jako finanční poradce to slyším od svých klientů velmi často: “Mám hypotéku, chci ji co nejdřív umořit…” A co vás k tomu vede? No přeci nebudu platit úroky ty úroky, je to drahé. Nechci mít dluh. Co když se něco stane, přijdu o práci nebo se mi něco stane…Atd. Mám jednoho oblíbeného klienta/kamaráda, říkejme mu […]

Spoření & Investice

Jak to všechno dopadlo: Co je DIP a jak se projeví “penzijní reforma” od roku 2024?

Bylo to trochu napínavé, že? A jak celý příběh tahanic, jak samy sebe lépe zajistíme na penzi dopadlo. Jak to tak bývá, mám pro vás dvě zprávy… Ta dobrá je, že těch dobrých je více! 🙂 Jaké jsou ty dobré zprávy? Vyšší příspěvky: od 1.7.2024 se zvednou státní příspěvky na 20% z platby účastníka. Maximum […]

Spoření & Investice Pojištění Finanční gramotnost

I s VŠ diplomem se dají uklízet záchody…aneb “návod” na vyhoření ve 49-ti

Jak se za 18 let workoholismem propracovat k vyhoření, k chronickému únavovému syndromu a invaliditě? Pojďme se podívat na jeden příběh, který může být varováním pro nás všechny, kteří v této době máme náběh na workoholismus… Ve spodní části článku najdete příznaky vyhoření a kolik amerických lékařů ze 100 se cítí vyhořelí. Tipnete si? Z […]

Hypotéky Pro OSVČ

Nevyšla vám hypotéka? Nájem nechcete. 4 důvody, proč to budete chtít „Chytré řešení“

Chcete koupit nemovitost ale v bance vám nestačili příjmy nebo je nemůžete doložit, ač příjmy máte? Máte nějaký škraloup v registrech starší 1 rok? Máte příjmy ze zahraničí? Jste cizinec žijící v ČR. Nebaví vás tvrdá administrativa a dokládání možného i nemožného při hypotéce? Tak zbystřete….4 důvody, proč se vám může vyplatit nejít do hypotéky, […]

Spoření & Investice Finanční gramotnost

Včera, dnes a zítra aneb kam by investoval Felix Holzman? Zlato nebo aluminium?

Mít či nemít? Děti. Byt. Vzdělání. Auto. Zážitky. Lásku. Vztahy. Majetek. Rentu. Helmu před bouračkou. Bezpečí. Jistotu. Chudobu. Stres. Osamocení. Peklo. Ráj. Zdraví. … Minulost. Současnost. Budoucnost. Možná vás napadne x dalších věcí. Které chcete mít, a které ne. A které chcete mít a jsou to ty skutečně důležité? Možná moc filozofické, možná ne. Nakonec […]

Free consultation

I offer an introductory consultation and an e-book “How not to live from payout to payout” in the amount of 99 CZK free of charge to all new applicants.

Feel free to contact me with any questions.

I want an e-book worth CZK 99 for free.

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