Nicolas has a small motorcycle repair business. He does not yet have a family and his income is subject to high taxes. As an entrepreneur, he makes contributions to social contributions, but does not know what guarantees he has. Since he practices manual labor, he would like to protect himself from the risks of loss of income in case of illness and disability. He was also interested in financial plans to save up for a down payment on a loan and buy out his garage, which he currently rents.

Nicolas made an appointment with me for a free diagnosis. Afterwards, I discussed the situation and solutions for achieving the assigned tasks with a team of experts. The next meeting was with an expert on social and financial protection. There, the expert told him about his social guarantees from the state, asked several additional questions and proposed a program for additional protection against risks and achieving financial goals:

- medical insurance,
- insurance for sick leave and disability benefits,
- insurance of professional expenses in case of illness,
- pension and savings investment plans.

All of these decisions were in line with budget expectations and helped significantly reduce the tax burden on Nicolas' income. He decided that the program was right for him, and we gradually began to implement it.

Today the solution program is fully operational. Nicolas feels protected from the risk of loss of income due to illness or accident and is glad that these decisions also helped him save on taxes.

Olga is an entrepreneur and single mother raising a seven-year-old son. She quit her job and opened her own translation agency. Olga asked for diagnostics to find out about her social guarantees in case of illness or accident. She didn't know how to best manage her finances to achieve her goals.

I conducted a diagnostic where we documented her situation and identified goals. At the next consultation, the expert told Olga about her social guarantees, which were significantly lower than her needs. As a result, we prepared the following program for it:

- insurance against loss of income due to illness or disability,
- health insurance for her and her son,
- pension plan,
- savings plan for my son’s education.

Currently the program has been implemented. Olga feels calm that no matter what happens to her, she and her son will not be left without a livelihood. Every year we hold a quick meeting to determine whether her situation and goals have changed, and adapt her financial strategy accordingly.

Inna has an 11-year-old son. She applied to optimize taxes and costs for her health insurance. She was also concerned about high inflation and how changes in the market could affect her financial future.

After analyzing the situation, I offered her the following solutions:

- change health insurance. My plan allowed her to save 24% on premiums, with the same level of coverage,
- pension plan to optimize taxes and savings for retirement,
- savings plan for my son’s education.

Inna liked my financial plan because it allowed her to save on insurance premiums and taxes. Among other things, the expected return on the investment-savings plan was higher than inflation.

I helped her terminate the old mutuelle contract and sign a new one. Within a year, Inna's son broke his leg. Thanks to the new mutuelle and the hospital selection service, she was advised of the nearest hospital specializing in the treatment of fractures. Fortunately, professional medical assistance was provided in a timely manner and rehabilitation was successful.

Today the boy has completely recovered, and Inna is satisfied with the service and the level of coverage under her medical insurance. In addition, the pension plan allowed us to save on taxes.