How to Choose a Financial Advisor in Czechia
Verify any advisor on the ČNB register, understand tied agents, how they are paid, and the red flags to avoid. A vendor-neutral guide.
Practical guides on Czech mortgages, insurance, taxes, and investing, written for expats, by registered advisors.
Verify any advisor on the ČNB register, understand tied agents, how they are paid, and the red flags to avoid. A vendor-neutral guide.
Why EU funds are usually PFICs for US persons, what FATCA means in Czechia, and why you need US-tax-aware advice. Educational, not advice.
Tens of thousands of Czech mortgages locked below 2 percent in 2020-21 are unwinding this year. Real numbers on what doubling payments looks like.
A January 2026 amendment cuts the effective tax on qualifying employee stock options from around 49 percent to roughly 23 percent. Worked example.
From April 1 the CNB caps investment mortgages at 70 percent LTV and 7x DTI. Twelve practical questions about who is affected and how.
For years Czech employees converted part of their salary into tax-free benefits. A 2026 amendment closes the loophole. What changed and what to do.
Combined with employer contributions, DIP shelters up to 98,000 CZK per year tax-free. Five misconceptions that stop most expats from using it fully.
Czechia will miss the EU pay transparency deadline by 18 months. Most rules apply from 2028, with reporting for smaller firms delayed to 2031.
Eight specific 2026 rule changes that affect expat employees, freelancers, and homeowners. Concrete checklist of what to verify this quarter.
From 'the bank said no' to holding your keys. Everything I've learned helping expats get mortgages in Czechia since 2017.
You're paying into it every month. Here's what you're actually getting, what you're missing, and how to stop leaving money on the table.
Tax-free gains after 3 years, the DIP framework, why your savings account is losing money, and the US citizen problem. Real numbers.
Do you actually need it? Which type? And is the bank's bundled offer a good deal? Probably not, and here's why.
Tax tricks, the 60/40 mortgage trap, insurance nobody tells you about, and why your pension is 100% your problem. For OSVČ expats.
BRKI, NRKI, SOLUS: what they are, why an empty history is a problem, and the phone bill that nearly cost a client an apartment.
Pension matching, meal allowances, MultiSport cards, education budgets. A checklist of Czech employer benefits that most foreigners do not know about.
A side-by-side breakdown of DIP and DPS, fees, tax benefits, flexibility, and which makes sense for different expat profiles.
Filing deadlines, deductible pension and life insurance contributions, and common mistakes that cost expats money every year.
Your complete guide to social security, DPS, DIP, and employer contributions when you leave Czech Republic. EU coordination rules explained.
Beyond health insurance: the six types of insurance every expat should consider. Property, liability, income protection, life, car, travel.
How freelancers can qualify for a Czech mortgage. Tax return requirements, the flat-rate expense trap, and which banks actually approve.
Most Czech employers offer pension matching. Here's how to claim it, even if HR has not mentioned it.
Current Czech mortgage rates for expats. Bank-by-bank comparison, fixation period options, and how to negotiate a competitive rate. Updated regularly.
An expat financial advisor's perspective on what Prague actually costs. Not the generic numbers, the real ones.
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