{"id":2015,"date":"2024-03-08T12:05:42","date_gmt":"2024-03-08T11:05:42","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2015"},"modified":"2024-03-25T13:45:28","modified_gmt":"2024-03-25T12:45:28","slug":"rodinny-financni-poradce-vam-usetri-cas-i-penize-jak-to-vlastne-funguje","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/rodinny-financni-poradce-vam-usetri-cas-i-penize-jak-to-vlastne-funguje\/","title":{"rendered":"RODINN\u00dd FINAN\u010cN\u00cd PORADCE V\u00c1M U\u0160ET\u0158\u00cd \u010cAS I PEN\u00cdZE. JAK TO VLASTN\u011a FUNGUJE?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>R\u00e1di byste z\u00edskali v\u00fdhodnou hypot\u00e9ku, chcete si kvalitn\u011b pojistit byt \u010di auto nebo v\u00fdhodn\u011b spo\u0159it na d\u016fchod? P\u0159i t\u011bchto ot\u00e1zk\u00e1ch se st\u00e1le v\u00edce lid\u00ed spol\u00e9h\u00e1 na rodinn\u00e9ho finan\u010dn\u00ed poradce. Ten v\u00e1m porovn\u00e1 nab\u00eddky ve v\u00edce bank\u00e1ch \u010di poji\u0161\u0165ovn\u00e1ch, doporu\u010d\u00ed ta nejlep\u0161\u00ed \u0159e\u0161en\u00ed a pokud projev\u00edte z\u00e1jem, rovnou v\u00e1m finan\u010dn\u00ed produkt i vy\u0159\u00edd\u00ed. Vy tak u\u0161et\u0159\u00edte spoustu \u010dasu a mnohdy i pen\u011bz. S \u010d\u00edm v\u0161\u00edm v\u00e1m takov\u00fd rodinn\u00fd finan\u010dn\u00ed poradce um\u00ed pomoci, jak tato spolupr\u00e1ce funguje a jak je mo\u017en\u00e9, \u017ee v\u0161echny jeho slu\u017eby jsou zdarma?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete?<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#h-s-cim-vam-dokaze-pomoci-rodinny-financni-poradce\">S \u010d\u00edm v\u00e1m dok\u00e1\u017ee pomoci rodinn\u00fd finan\u010dn\u00ed poradce<\/a><\/li><li class=\"\"><a href=\"#h-jak-vlastne-pracuje-rodinny-poradce-produkty-vam-porovna-i-vyridi\">Jak vlastn\u011b pracuje rodinn\u00fd poradce? Produkty v\u00e1m porovn\u00e1 i vy\u0159\u00edd\u00ed<\/a><\/li><li class=\"\"><a href=\"#h-financni-zprostredkovatel-vam-pomuze-zdarma\">Finan\u010dn\u00ed zprost\u0159edkovatel v\u00e1m pom\u016f\u017ee zdarma<\/a><\/li><li class=\"\"><a href=\"#h-je-to-pro-vas-nezavazne\">Je to pro v\u00e1s nez\u00e1vazn\u00e9<\/a><\/li><li class=\"\"><a href=\"#h-proc-si-zkontrolovat-i-starsi-pojistne-ci-sporici-smlouvy\">Pro\u010d si zkontrolovat i star\u0161\u00ed pojistn\u00e9 \u010di spo\u0159\u00edc\u00ed smlouvy<\/a><\/li><li class=\"\"><a href=\"#h-vyberte-si-zkuseneho-odbornika-na-ktereho-se-muzete-spolehnout\">Vyberte si zku\u0161en\u00e9ho odborn\u00edka, na kter\u00e9ho se m\u016f\u017eete spolehnout<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-s-cim-vam-dokaze-pomoci-rodinny-financni-poradce\"><strong>S \u010d\u00edm v\u00e1m dok\u00e1\u017ee pomoci rodinn\u00fd finan\u010dn\u00ed poradce<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nikdo z n\u00e1s nen\u00ed odborn\u00edkem na v\u0161echno. L\u00e9ka\u0159 je expertem na zdrav\u00ed, pr\u00e1vn\u00edk na z\u00e1kony, finan\u010dn\u00ed poradce na finance. N\u011bkte\u0159\u00ed poradci jsou tzv. komplexn\u00ed, \u010dili se v\u011bnuj\u00ed v\u0161em finan\u010dn\u00edm produkt\u016fm a slu\u017eb\u00e1m, jin\u00ed se zam\u011b\u0159uj\u00ed na konkr\u00e9tn\u00ed segment, nap\u0159\u00edklad se specializuj\u00ed jen na hypot\u00e9ky nebo investice. FinGO.cz poskytuje komplexn\u00ed finan\u010dn\u00ed slu\u017eby, tak\u017ee na\u0161i poradci v\u00e1m um\u00ed pomoci se v\u0161emi finan\u010dn\u00edmi produkty a slu\u017ebami, kter\u00e9 m\u016f\u017eete pot\u0159ebovat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdhodou rodinn\u00fdch finan\u010dn\u00edch poradc\u016f je, \u017ee spolupracuj\u00ed s v\u00edce bankami, poji\u0161\u0165ovnami a spr\u00e1vcovsk\u00fdmi spole\u010dnostmi a znaj\u00ed specifika ka\u017ed\u00e9 z nich. D\u00edky sv\u00fdm komplexn\u00edm informac\u00edm v\u00e1m proto pomohou vybavit ten nejlep\u0161\u00ed produkt vhodn\u00fd pr\u00e1v\u011b pro v\u00e1s mnohem efektivn\u011bji a rychleji, ne\u017e byste se k ide\u00e1ln\u00edmu \u0159e\u0161en\u00ed dopracovali vy sami. Pro\u010d tomu tak je?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jak-vlastne-pracuje-rodinny-poradce-produkty-vam-porovna-i-vyridi\"><strong>Jak vlastn\u011b pracuje rodinn\u00fd poradce? Produkty v\u00e1m porovn\u00e1 i vy\u0159\u00edd\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e \u0159e\u0161\u00edte bydlen\u00ed a poohl\u00ed\u017e\u00edte se po hypot\u00e9ce, nebo chcete spo\u0159it sv\u00fdm d\u011btem, p\u0159\u00edpadn\u011b hled\u00e1te v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed auta, rodinn\u00fd finan\u010dn\u00ed poradce zjist\u00ed va\u0161e konkr\u00e9tn\u00ed pot\u0159eby a s ohledem na va\u0161i situaci, v\u00e1m dok\u00e1\u017ee porovnat a vy\u0159\u00eddit ten nejv\u00fdhodn\u011bj\u0161\u00ed produkt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rodinn\u00fd poradce \u0159e\u0161\u00ed va\u0161e finan\u010dn\u00ed pot\u0159eby komplexn\u011b. D\u016fkladn\u011b zanalyzuje v\u00e1\u0161 rozpo\u010det, zept\u00e1 se na va\u0161e pl\u00e1ny a p\u0159izp\u016fsob\u00ed tomu v\u00fdb\u011br a strukturu va\u0161ich finan\u010dn\u00edch produkt\u016f. M\u00e1 to n\u011bkolik kl\u00ed\u010dov\u00fdch v\u00fdhod.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Abyste z\u00edskali nejv\u00fdhodn\u011bj\u0161\u00ed finan\u010dn\u00ed produkt, mus\u00edte si nejprve prov\u00e9st komplexn\u00ed a detailn\u00ed pr\u016fzkum nab\u00eddek nap\u0159\u00ed\u010d cel\u00fdm trhem. T\u00fdk\u00e1 se to nejen hypot\u00e9k, ale tak\u00e9 mo\u017enost\u00ed poji\u0161t\u011bn\u00ed a investov\u00e1n\u00ed. Rodinn\u00fd finan\u010dn\u00ed poradce toto srovn\u00e1n\u00ed u\u010din\u00ed za v\u00e1s mnohem rychleji a efektivn\u011bji. M\u00e1 na to i vhodn\u00e9 n\u00e1stroje.<\/li>\n\n\n\n<li>P\u0159i porovn\u00e1n\u00ed v\u00e1m z\u00e1rove\u0148 srozumiteln\u011b vysv\u011btl\u00ed podm\u00ednky r\u016fzn\u00fdch nab\u00eddek &#8211; proto\u017ee si nesta\u010d\u00ed v\u0161\u00edmat jen v\u00fd\u0161e \u00farokov\u00e9 sazby nebo jen ceny poji\u0161t\u011bn\u00ed. Mnohem d\u016fle\u017eit\u011bj\u0161\u00ed jsou i dal\u0161\u00ed parametry a podm\u00ednky dan\u00fdch produkt\u016f, kter\u00e9 jsou v ka\u017ed\u00e9 bance \u010di poji\u0161\u0165ovn\u011b jin\u00e9.<\/li>\n\n\n\n<li>Rodinn\u00fd poradce ochotn\u011b zodpov\u00ed i va\u0161e dal\u0161\u00ed ot\u00e1zky, kter\u00e9 v\u00e1s budou zaj\u00edmat. A\u0165 u\u017e p\u016fjde o poplatky u \u00fav\u011br\u016f nebo p\u0159i investov\u00e1n\u00ed, v\u00fdluky v poji\u0161\u0165ovn\u00e1ch a podobn\u011b.<\/li>\n\n\n\n<li>Vyhnete se tak nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm, kter\u00e1 by se v\u00e1m jinak mohla p\u0159ihodit nap\u0159\u00edklad p\u0159i pojistn\u00fdch ud\u00e1lostech pokud nabour\u00e1te auto, vytop\u00edte sousedy nebo p\u0159i v\u00e1\u017en\u00e9m \u00farazu \u010di onemocn\u011bn\u00ed.<\/li>\n\n\n\n<li>Z\u00edsk\u00e1te tak p\u0159ehledn\u00e9 a podrobn\u011b zpracovan\u00e9 informace o v\u0161ech relevantn\u00edch nab\u00eddk\u00e1ch.<\/li>\n\n\n\n<li>Myslete na to, \u017ee ka\u017ed\u00e1 banka i poji\u0161\u0165ovna se zam\u011b\u0159uje na jin\u00fd typ klient\u016f. S rodinn\u00fdm finan\u010dn\u00edm poradcem se m\u016f\u017eete rychleji zorientovat, kter\u00e9 instituce a nab\u00eddky jsou nejvhodn\u011bj\u0161\u00ed pr\u00e1v\u011b pro v\u00e1s.<\/li>\n\n\n\n<li>Doporu\u010d\u00ed v\u00e1m to nejlep\u0161\u00ed finan\u010dn\u00ed \u0159e\u0161en\u00ed a pom\u016f\u017ee i s pap\u00edrov\u00e1n\u00edm. Mnoz\u00ed poradci klient\u016fm pomohou i s vyb\u011bh\u00e1n\u00edm podklad\u016f na \u00fa\u0159adech, nap\u0159\u00edklad p\u0159i hypot\u00e9ce s katastrem nemovitost\u00ed. Spousta produkt\u016f si s poradcem zvl\u00e1dnete uzav\u0159\u00edt i online.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Po vy\u0159\u00edzen\u00ed produktu pomoc rodinn\u00e9ho finan\u010dn\u00edho poradce nekon\u010d\u00ed. Jeho pr\u00e1ce pokra\u010duje i po podpisu smlouvy k va\u0161\u00ed hypot\u00e9ce nebo pojistce nemovitosti. Zku\u0161en\u00fd poradce v\u00e1m pohl\u00edd\u00e1 d\u016fle\u017eit\u00e9 term\u00edny, zm\u011bny podm\u00ednek u \u00fav\u011br\u016f \u010di poji\u0161t\u011bn\u00ed. Pravideln\u011b v\u00e1m bude kontrolovat smlouvy, jejich\u017e v\u00fdhodnost se m\u016f\u017ee m\u011bnit v \u010dase nebo p\u0159i zm\u011bn\u011b rodinn\u00e9 situace.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"747\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/12.png\" alt=\"\" class=\"wp-image-2019\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/12.png 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/12-300x224.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/12-768x574.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financni-zprostredkovatel-vam-pomuze-zdarma\"><strong>Finan\u010dn\u00ed zprost\u0159edkovatel v\u00e1m pom\u016f\u017ee zdarma<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rodinn\u00fd finan\u010dn\u00ed poradce od v\u00e1s nem\u016f\u017ee p\u0159ijmout \u017e\u00e1dnou odm\u011bnu. Pen\u00edze ve form\u011b provize z\u00edsk\u00e1v\u00e1 od finan\u010dn\u00ed instituce, tedy nap\u0159\u00edklad od banky, poji\u0161\u0165ovny nebo investi\u010dn\u00ed spole\u010dnosti. Odm\u011bnu od nich obdr\u017e\u00ed pouze v p\u0159\u00edpad\u011b, \u017ee s v\u00e1mi uzav\u0159e smlouvu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za porovn\u00e1n\u00ed a vy\u0159\u00edzen\u00ed produktu tedy finan\u010dn\u00edmu poradci nic neplat\u00edte, p\u0159itom d\u00edky n\u011bmu u\u0161et\u0159\u00edte spoustu \u010dasu a mnohdy i pen\u011bz. P\u0159i v\u00fdb\u011bru nev\u00fdhodn\u00e9ho produktu s vysok\u00fdm \u00farokem, poplatky \u010di jin\u00fdmi skryt\u00fdmi h\u00e1\u010dky a nevhodn\u00fdmi podm\u00ednkami byste toti\u017e mohli ztratit spoustu pen\u011bz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mimochodem, lid\u00e9 se \u010dasto myln\u011b domn\u00edvaj\u00ed, \u017ee produkty vy\u0159\u00edzen\u00e9 rodinn\u00fdm poradcem jsou pak dra\u017e\u0161\u00ed. Ale nen\u00ed to pravda \u2013 a\u0165 u\u017e mluv\u00edme o hypot\u00e9ce, poji\u0161t\u011bn\u00ed, druh\u00e9m nebo t\u0159et\u00edm pil\u00ed\u0159i, nezaplat\u00edte ani korunu nav\u00edc. Zda si je uzav\u0159ete s poradcem nebo p\u0159\u00edmo v bance, poji\u0161\u0165ovn\u011b nebo ve spr\u00e1vcovsk\u00e9 spole\u010dnosti, cena i poplatky budou naprosto toto\u017en\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-je-to-pro-vas-nezavazne\"><strong>Je to pro v\u00e1s nez\u00e1vazn\u00e9<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1rove\u0148 je dobr\u00e9 v\u011bd\u011bt, \u017ee spolupr\u00e1ce s rodinn\u00fdm finan\u010dn\u00edm poradcem je nez\u00e1vazn\u00e1. To znamen\u00e1, \u017ee pokud v\u00e1m vy\u0159\u00edd\u00ed nap\u0159\u00edklad hypot\u00e9ku, ale o dal\u0161\u00ed jeho slu\u017eby nem\u00e1te z\u00e1jem, nemus\u00edte si pr\u00e1v\u011b p\u0159es n\u011bj uzav\u0159\u00edt i poji\u0161t\u011bn\u00ed kupovan\u00e9 nemovitosti \u010di investovat na p\u0159ed\u010dasn\u00e9. Sice by v\u00e1m d\u00edky tomu, \u017ee zn\u00e1 podm\u00ednky \u00fav\u011bru, va\u0161i finan\u010dn\u00ed situaci i dal\u0161\u00ed pl\u00e1ny do budoucna, um\u011bl pomoci rychleji a efektivn\u011bji p\u0159i splacen\u00ed \u00fav\u011bru, ale nen\u00ed to va\u0161e povinnost\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zeptejte se rodinn\u00e9ho finan\u010dn\u00edho poradce i na to, zda spolupracuje se v\u0161emi v\u00fdznamn\u00fdmi finan\u010dn\u00edmi spole\u010dnostmi \u2013 a\u0165 u\u017e mluv\u00edme o bank\u00e1ch, poji\u0161\u0165ovn\u00e1ch, penzijn\u00edch nebo investi\u010dn\u00edch spole\u010dnostech a podobn\u011b. Jedin\u011b tak v\u00e1m dok\u00e1\u017ee p\u0159ipravit skute\u010dn\u011b relevantn\u00ed srovn\u00e1n\u00ed produkt\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TIP: Z\u00e1rove\u0148 dejte pozor na spole\u010dnosti, kter\u00e9 maj\u00ed i vlastn\u00ed investi\u010dn\u00ed nebo pojistn\u00e9 produkty. Je velk\u00e1 pravd\u011bpodobnost, \u017ee jejich poradce bude preferovat a doporu\u010dovat zejm\u00e9na tyto produkty, a\u010dkoli pro v\u00e1s nemus\u00ed b\u00fdt ty nejlep\u0161\u00ed.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-7f208938fbf5856792eb825ce5cc0222 wp-block-paragraph\">\ud83d\udc49 <strong>P\u0159e\u010dt\u011bte si tak\u00e9 rozhovor:<\/strong> <a href=\"https:\/\/www.fingo.cz\/blog\/komu-se-zalozeni-dip-nejvice-vyplati\/\">Komu se zalo\u017een\u00ed DIP vyplat\u00ed nejv\u00edce?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-proc-si-zkontrolovat-i-starsi-pojistne-ci-sporici-smlouvy\"><strong>Pro\u010d si zkontrolovat i star\u0161\u00ed pojistn\u00e9 \u010di spo\u0159\u00edc\u00ed smlouvy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1rove\u0148 myslete na to, \u017ee tak jako ve sv\u00fdch \u00fa\u010dtech za energie, i ve smlouv\u00e1ch k finan\u010dn\u00edm produkt\u016fm je t\u0159eba si jednou za \u010das uklidit. Slu\u017eby rodinn\u00e9ho finan\u010dn\u00edho poradce byste m\u011bli vyu\u017e\u00edt i tehdy, pokud jste si kdysi vzali spot\u0159ebn\u00ed \u00fav\u011br nebo uzav\u0159eli term\u00ednovan\u00fd vklad v bance, uzav\u0159eli investi\u010dn\u00ed poji\u0161t\u011bn\u00ed \u010di pojistku bytu, ale dnes u\u017e mohou b\u00fdt jejich podm\u00ednky nev\u00fdhodn\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nechcete p\u0159ece platit za n\u011bco, co v\u00e1m re\u00e1ln\u011b nepom\u016f\u017ee nebo u\u017e prost\u011b nen\u00ed tak v\u00fdhodn\u00e9 jako kdysi. I s t\u00edmto v\u00e1m pom\u016f\u017ee ost\u0159\u00edlen\u00fd rodinn\u00fd finan\u010dn\u00ed poradce, kter\u00fd m\u00e1 v\u017edy p\u0159ehled o aktu\u00e1ln\u00edch podm\u00ednk\u00e1ch na trhu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rodinn\u00fd poradce pr\u016fb\u011b\u017en\u011b kontroluje nejen aktu\u00e1lnost va\u0161ich \u00fadaj\u016f na smlouv\u00e1ch, ale zejm\u00e9na v\u00fdhodnost podm\u00ednek i to, zda zvolen\u00e9 parametry produktu st\u00e1le vyhovuj\u00ed va\u0161\u00ed aktu\u00e1ln\u00ed situaci.<\/li>\n\n\n\n<li>Za kontrolu va\u0161ich smluv poradci nic neplat\u00edte, p\u0159itom d\u00edky tomu v rodinn\u00e9m rozpo\u010dtu m\u016f\u017eete u\u0161et\u0159it stovky korun, v n\u011bkter\u00fdch p\u0159\u00edpadech i tis\u00edce korun m\u011bs\u00ed\u010dn\u011b.<\/li>\n\n\n\n<li>Ale nejen finan\u010dn\u00ed \u00faspora je d\u016fle\u017eit\u00e1. Pokud m\u00e1te nap\u0159\u00edklad star\u0161\u00ed \u017eivotn\u00ed pojistku nastavenou p\u0159ed n\u011bkolika lety, m\u016f\u017ee se klidn\u011b st\u00e1t, \u017ee v\u00e1m v p\u0159\u00edpad\u011b v\u00e1\u017en\u00e9 nemoci nebo \u00farazu v sou\u010dasnosti v\u016fbec nepom\u016f\u017ee, nebo v\u00e1m poji\u0161\u0165ovna vyplat\u00ed mnohem m\u00e9n\u011b pen\u011bz ne\u017e re\u00e1ln\u011b budete vy a va\u0161i bl\u00edzc\u00ed pot\u0159ebovat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Uv\u011bdomte si, \u017ee situace na finan\u010dn\u00edm trhu se m\u011bn\u00ed a banky, poji\u0161\u0165ovny \u010di investi\u010dn\u00ed spole\u010dnosti sv\u00e9 produkty modernizuj\u00ed a p\u0159izp\u016fsobuj\u00ed pot\u0159eb\u00e1m klient\u016f. Z\u00e1rove\u0148 se m\u011bn\u00ed i va\u0161e \u017eivotn\u00ed situace, kter\u00e1 ovliv\u0148uje v\u00fdhodnost p\u016fvodn\u011b nastaven\u00fdch podm\u00ednek, a\u0165 u\u017e mluv\u00edme o \u00fav\u011bru, poji\u0161t\u011bn\u00ed nebo o star\u0161\u00edch spo\u0159\u00edc\u00edch produktech.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"747\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/13.png\" alt=\"\" class=\"wp-image-2020\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/13.png 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/13-300x224.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/13-768x574.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vyberte-si-zkuseneho-odbornika-na-ktereho-se-muzete-spolehnout\"><strong>Vyberte si zku\u0161en\u00e9ho odborn\u00edka, na kter\u00e9ho se m\u016f\u017eete spolehnout<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy chcete, aby v\u00e1m n\u011bkdo pomohl s v\u00fdb\u011brem a vy\u0159\u00edzen\u00edm finan\u010dn\u00edho produktu, ale nechcete za jeho slu\u017eby platit, obra\u0165te se na rodinn\u00e9ho finan\u010dn\u00edho poradce. Jak jsme vysv\u011btlili v\u00fd\u0161e, opravdu v\u00e1m dok\u00e1\u017ee u\u0161et\u0159it spoustu \u010dasu i pen\u011bz. Je d\u016fle\u017eit\u00e9, abyste si vybrali solidn\u00edho \u010dlov\u011bka a odborn\u00edka na finance, na kter\u00e9ho se m\u016f\u017eete spolehnout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ve FinGO.cz m\u00e1me \u0161pi\u010dkov\u00e9 rodinn\u00e9 poradce s dlouholet\u00fdmi zku\u0161enostmi, kte\u0159\u00ed maj\u00ed pobo\u010dky po cel\u00e9 \u010cesk\u00e9 republice. Komplexnost slu\u017eeb, f\u00e9rovost a rychlost, ale hlavn\u011b spokojenost klient\u016f jsou u n\u00e1s na prvn\u00edm m\u00edst\u011b. Proto kontrolujeme a hl\u00edd\u00e1me kvalitu. Na\u0161i poradci z\u00e1rove\u0148 oce\u0148uj\u00ed ka\u017edou pozitivn\u00ed zp\u011btnou vazbu a reference od sv\u00fdch klient\u016f, kter\u00e9 jim pom\u00e1haj\u00ed p\u0159i jejich dal\u0161\u00ed pr\u00e1ci. P\u0159in\u00e1\u0161ej\u00ed jim nov\u00e9 klienty, kter\u00fdm tak\u00e9 r\u00e1di pomohou.Na\u0161i poradci v\u00e1m bezplatn\u011b zkontroluj\u00ed i \u200b\u200bstar\u0161\u00ed finan\u010dn\u00ed smlouvy a jsou na telefonu i p\u0159i pojistn\u00fdch ud\u00e1lostech. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Obra\u0165te se na n\u00e1s<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Objas\u0148ujeme, jak rodinn\u00fd finan\u010dn\u00ed poradce u\u0161et\u0159\u00ed v\u00e1\u0161 \u010das a pen\u00edze porovn\u00e1n\u00edm a vy\u0159\u00edzen\u00edm finan\u010dn\u00edch produkt\u016f bez poplatk\u016f. Zahrnujeme v\u00fdhody komplexn\u00edch slu\u017eeb, v\u00fdb\u011br zku\u0161en\u00e9ho odborn\u00edka a d\u016fle\u017eitost pr\u016fb\u011b\u017en\u00e9 kontroly smluv.<\/p>\n","protected":false},"author":16,"featured_media":2017,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[128,127],"class_list":["post-2015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-financni-plan","tag-financni-poradc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rodinn\u00fd finan\u010dn\u00ed poradce u\u0161et\u0159\u00ed \u010das a pen\u00edze, blog, FinGO.cz<\/title>\n<meta name=\"description\" content=\"Rodinn\u00fd finan\u010dn\u00ed poradce m\u016f\u017ee u\u0161et\u0159it \u010das i pen\u00edze. Objektivn\u00ed poradenstv\u00ed a pomoc s pap\u00edrov\u00e1n\u00edm bez poplatk\u016f.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/rodinny-financni-poradce-vam-usetri-cas-i-penize-jak-to-vlastne-funguje\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RODINN\u00dd FINAN\u010cN\u00cd PORADCE V\u00c1M U\u0160ET\u0158\u00cd \u010cAS I PEN\u00cdZE. JAK TO VLASTN\u011a FUNGUJE?\" \/>\n<meta property=\"og:description\" content=\"Rodinn\u00fd finan\u010dn\u00ed poradce m\u016f\u017ee u\u0161et\u0159it \u010das i pen\u00edze. 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Po 3 letech se stal vedouc\u00edm obchodn\u00ed skupiny a po 10 letech obchodn\u00edm a provozn\u00edm \u0159editelem ve st\u0159edn\u011b velk\u00e9 finan\u010dn\u011b poradensk\u00e9 spole\u010dnosti Finpos. Tu \u00fasp\u011b\u0161n\u011b \u0159\u00eddil a\u017e do roku 2021. Pr\u00e1ce v oblasti spr\u00e1vy rodinn\u00fdch financ\u00ed v\u00fdrazn\u011b ovlivnila jeho dosavadn\u00ed \u017eivot a dnes je jeho neodmyslitelnou sou\u010d\u00e1st\u00ed. Ve FinGO je jednatelem a provozn\u00edm \u0159editelem. Vedle pr\u00e1ce \u017eije spole\u010dn\u011b s d\u011btmi \u0160t\u011bp\u00e1nem a Kry\u0161tofem sportem \u2013 hraj\u00ed florbal, badminton, squash a jezd\u00ed na divok\u00e9 vod\u011b. 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