Financial Consulting for Expats, by Someone Who Understands
Prague, Czech Republic
Moving countries is hard. Managing your finances here doesn’t have to be. Get clear, expert guidance to make confident decisions in your new home.
It's never too late to build the financial future you deserve!
Why Bother with a Financial Advisor?
Because every financial decision—big or small—shapes your future.
Financial freedom isn’t just for the rich—it’s for anyone who dares to plan. A financial advisor is more than a numbers person; they’re your financial coach, your guide, your cheerleader. They help you spot opportunities you didn’t know you had, avoid costly mistakes, and build a future that feels solid—no matter what life throws at you. Money doesn’t manage itself. Without a plan, it leaks away—into impulse buys, unnecessary fees, and missed opportunities. With the right strategy, even a modest income can stretch further, go smarter, and give you the confidence to live life on your terms. This isn’t about getting rich overnight—it’s about making the most of every crown, euro, or dollar you earn.
Take control of your financial story — you’re the author.
Who is a Financial Advisor / Consultant?
A financial advisor helps you manage your money more effectively. They help you create a budget, set goals, invest wisely, and plan for the future. Think of them as a guide who turns financial confusion into a clear plan. You don’t need to be rich to benefit — you just need to want a better financial life.
As a financial consultant, I offer services that cover every part of your financial journey:
Financial Planning
Building a personalized roadmap to achieve your financial goals, from short-term priorities to long-term dreams.
Empowering you with the knowledge to make informed decisions, understand financial terms, and build lasting confidence in managing your money.
Finding smart, practical ways to save more — no matter your income — so your money works harder for you.
Guiding you through local financial rules, regulations, and cultural nuances to help you feel secure and confident.
Explaining pension options like DPS and DIP — and helping you set them up so your future is secure.
Helping you identify the right investment opportunities for your goals and risk tolerance — and setting them up step-by-step.
Explaining and setting up essential coverages like travel, car, life, apartment, and liability insurance to protect what matters most.
Financial Literacy
Saving Strategies
Navigating the Czech Financial System
Pensions
Investment Guidance
Insurances
Who is a Financial Advisor / Consultant?
A financial advisor helps you manage your money more effectively. They help you create a budget, set goals, invest wisely, and plan for the future. Think of them as a guide who turns financial confusion into a clear plan. You don’t need to be rich to benefit — you just need to want a better financial life.
As a financial consultant, I offer services that cover every part of your financial journey:
Financial Planning
Building a personalized roadmap to achieve your financial goals, from short-term priorities to long-term dreams.
Empowering you with the knowledge to make informed decisions, understand financial terms, and build lasting confidence in managing your money.
Finding smart, practical ways to save more — no matter your income — so your money works harder for you.
Guiding you through local financial rules, regulations, and cultural nuances to help you feel secure and confident.
Explaining pension options like DPS and DIP — and helping you set them up so your future is secure.
Helping you identify the right investment opportunities for your goals and risk tolerance — and setting them up step-by-step.
Explaining and setting up essential coverages like travel, car, life, apartment, and liability insurance to protect what matters most.
Financial Literacy
Saving Strategies
Navigating the Czech Financial System
Pensions
Investment Guidance
Insurances
Providing guidance and full support throughout the mortgage process, from choosing the right product to completing the paperwork, so you can buy your dream home stress-free.
Mortgages
The first step to financial freedom is knowing you’re not alone.
How I work Step-by-Step
My method is clear: I gather all the information, analyze it carefully, and then present you with options that fit your goals. You choose the direction, and I handle the details. I tailor every plan, guide you through local systems, and provide ongoing support — so your money works for you, not the other way around.
Financial clarity is a journey. Let’s walk it together.
About Me
I’ve been where you are. That’s why I do what I do.
I’m Liuba—an independent financial consultant and expat myself. I moved to the Czech Republic several years ago, after living in Germany, Sweden, the UK, the US and Russia. With each move came a new system, new rules, and new financial decisions to figure out.
For the past seven years, I’ve called Prague home, living here with my husband, our children, and my mother-in-law, who is living with Alzheimer’s. This experience has shown me how much the lack of financial and retirement planning can affect not just one person, but an entire family. That’s what drives me to help others—especially foreigners navigating life abroad—feel confident about their finances and prepared for whatever the future brings.
My background in economics and social sciences, along with years of academic and consulting experience, helps me offer thoughtful, practical advice. I work with expats and foreigners living in Czechia—offering honest, clear guidance that takes the stress out of financial planning.
If you're feeling unsure or stuck, know this: I’ve been there. And I can help.
You can check out my degrees, diplomas and certifications here.
What sets me apart?
I work solely in your interest. No banks. No hidden fees. Just honest advice, tailored to your situation—whether it’s about budgeting, investments, or understanding Czech bureaucracy. You deserve clarity and control in your financial life. Let’s get there together.
I'm a part of Falcon Finances Team - a team of professional independent consultants. We have both Czechs and Expats in the team, so we take the best from both our experiences as foreigners in Czech Republic and knowing the Czech system. We collaborate with OVB Allfinanz - an originally German company specialising in personal finance advising.
So, all in all you're in expert hands.
Here's what my clients say
”Very impressed with the financial project I received from Liuba. It was quick, detailed and thoughtful. Am very thankful for an efficient setup of my life insurance, even though it was quite complex.”
- Roberto B.
”Before working with Liuba, I had spoken with two other financial advisors. As soon as it became clear that I wasn’t looking to work on a family budget, but instead wanted to focus on my own financial situation and securing my future, I could see their interest fade.
Liuba wasn’t put off by this at all. On the contrary—I heard words of encouragement and the offer: 'Let’s see what we can do and how much time it will take you.' After just the first meeting, the chaos in my head was replaced by a sense of order and the belief that it’s never too late to start. And after the second meeting, the fear was gone and I had a clear understanding of what to do, in what order, and under what conditions!”
- Katerina L.
”The consultation with Liuba was really helpful for me. In a short time, she broke everything down clearly, brought me back down to earth, and put together a plan for my financial security in the near future.”
- Raifa S.
Financial freedom starts with one step: asking for help.
Frequently asked questions
What does a financial consultant actually do?
A financial consultant helps you understand and manage your finances, offering guidance on budgeting, saving, investing, and planning for future goals. They provide personalized strategies to help you make informed financial decisions.
How does the consultation process work?
It starts with an initial meeting to assess your current financial situation and goals. From there, I develop a tailored plan and work with you to implement and adjust strategies as needed.
Do I need to be wealthy to work with a financial consultant?
Not at all. Financial consulting is beneficial for individuals at all income levels. It's about making the most of your current resources and planning effectively for the future.
Is your advice tied to any banks or financial products?
An an independent financial consultant, I provide unbiased advice and I am not affiliated with specific banks or financial products, ensuring recommendations are in client's best interest. I cooperate with OVB Allfinanz, which provides me with special conditions and programmes that are available for my clients.
How can a financial consultant help me if I already have a budget / life insurance / pension plan, etc.?
Even with a budget and products set up, a financial consultant can offer insights into optimizing your spending, audit your situation, identifying savings opportunities, and aligning your financial habits with your long-term objectives.
Can you help with the Czech financial system and local bureaucracy?
Yes, especially for expats and foreigners, navigating the Czech financial system can be challenging. A consultant familiar with local regulations can guide you through processes like setting up pension plans, investing, best savings accounts, and more.
Get in touch
Leave your contact and I'll get back to you within a few days to arrange a free consultation.
You can also reach out with a message or a call.
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