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Your family's financial plan, in concrete amounts

How much to set aside each month for a reserve, retirement and the children, in 10 minutes.

Talk to a consultant
  • €0 separate fee*
  • No email until the plan is done

*We charge you no separate fee. If you choose a product, the insurer pays us a commission that is included in the product's costs.

Family financial planabout 6 min

Your first number in about a minute

No email until the plan is done.

Step 1 of 6Who are we planning for?

Who are we planning for?

Make your plan

4 short steps to your first number · about 6 minutes to your indicative plan

*We charge you no separate fee. If you choose a product, the insurer pays us a commission that is included in the product's costs.

Prefer to talk? Talk to a consultant

Check us before you trust us

Who we work with

In partnership with

Where shall we start?

What you get

A family financial plan in 10 minutes

The plan · online

  • Your family financial plan in concrete amounts

    The first part, which took about an hour offline, takes up to 10 minutes here. Personal advice stays with the consultant.

  • A budget ceiling

    The options never go beyond the money you have spare and always leave a buffer.

  • Three possible options, one of them “Reserve first”

    One option puts €0 into products. The choice is yours.

The consultant · when you need one

  • An independent financial consultant when you need one, within 48 hours of your request

    Independent because we work with several partners and choose among them.

All of this at no separate fee to you*. You pay only the premium for a product you choose yourself.

*Our remuneration is a commission from the insurer, included in the product's costs.

  1. Planner
  2. Quick analysis
  3. Your plan
  4. Online application

The “Made-to-measure financial plan” promise: 2 commitments

  • A real, independent financial consultant when you need one, within 48 hoursIndependent financial consultants: we choose among several partners.
  • A methodology built on experienceThe methodology behind our plans draws on the experience of over 100 financial consultants with over 10,000 satisfied clients over the last 7 years.

We do not guarantee returns; we guarantee how we work with you.

Make your plan

What does it cost? No separate fee for you.

We do not charge you a separate fee. We are paid a commission by the insurer, the bank or the pension company. It is included in the product costs you pay through your premium. The product costs the same as if you bought it directly. Before you sign, we show you every fee. If your plan says “reserve first”, we will tell you so, even if we earn nothing.

The 2026 tax year ends on 31 December

Life insurance premiums and voluntary pension fund contributions paid by 31.12.2026 can reduce your tax base, within the legal limit and if you have taxable income. Tax relief, not a return.

Example: with contributions of €100 a month, up to €120 less tax for the year. If you stop early, you may have to pay it back.

Check your tax relief

The house of financial security

Reserve and protection first. Then retirement and the children. Investments last.

See where your house stands
Investments
Housing
Children
Retirement
Protection
Reserve

Two quick checks in 60 seconds

Explore the calculators

The questions everyone asks us

What does this cost me?

We do not charge you a separate fee. We are paid a commission by the insurer, the bank or the pension company. It is included in the product costs you pay through your premium. The product costs the same as if you bought it directly. Before you sign, we show you every fee. If your plan says “reserve first”, we will tell you so, even if we earn nothing.

Can I lose money?

With investment products, yes. The value can fall, especially over a short term or if you stop early. That is why the plan keeps your reserve in a bank first and puts in only money you will not need for at least 10 years.

I already have insurance or a consultant.

If you already have a policy, tell us, either your consultant or in the online application. If it is good, we will tell you so and offer you nothing new. If we ever suggest a switch, we will show you in writing what you lose by ending the old policy and what the new initial costs are.

Can I change my mind?

The plan commits you to nothing. By law, life insurance gives you a period after signing in which you can withdraw — we show it before you sign, together with what ending early costs year by year.

Insurance or investing on my own?

We show you the general differences in costs and risk. IFA does not give advice on specific funds or ETFs — for those, turn to a licensed investment firm.

Is the tax relief a return?

No. It reduces your taxable base up to the legal limit, if you have taxable income in Bulgaria. Example: with contributions of €100 a month — up to €120 less tax for the year. If you stop early, you may have to pay it back.

The plan first. A consultant when you need one.

Your indicative plan in 10 minutes. Then you decide whether and how we continue.

Make your planTalk to a consultant

Entered in the FSC register

“Integrity Financial Advisors” Ltd · an insurance broker entered in the FSC register.

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