How many months could you get by without a salary?
How much to set aside each month for a reserve, protection and retirement, in 10 minutes.
- €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.
- Entered in the FSC register(opens in a new tab)
- €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.
Prefer to talk? Talk to a consultant
Check us before you trust us
- Insurance broker entered in the FSC register — check it (opens in a new tab)
- Company ID 208597115
- Independent financial consultants: we choose among several partners
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.
- Planner
- Quick analysis
- Your plan
- 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.
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 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.
Entered in the FSC register
“Integrity Financial Advisors” Ltd · an insurance broker entered in the FSC register.
Check the FSC register(opens in a new tab)