Mission Is This You? Scam Risk Audit The Guide About

Financial Education for Expats in the Czech Republic

Nobody ever taught you what to do with your money. We will.

No jargon, no products to sell.
Just a clear plan for people who don't know where to start.

Our mission

Giving you the knowledge to build your financial independence, leverage the local system to your advantage, and avoid legalized scams.

The problem we solve

Nobody sits you down and explains it.
So most people just do nothing.

Money sitting in a Czech bank account loses value every year to inflation alone.
Add a financial contract nobody explained properly, and the two problems pile up against you at the same time.

Real life example

How an expat in Prague lost
57,000 CZK in hidden commission fees.

Case study Investment Life Insurance

The bank's promise

"Invest 3,000 CZK/month with tax deductions."

The hidden reality

2.5% entry fee, 1.8% annual TER, and a 2-year lock-in penalty.

The Monarch fix

Restructure into DIP and low-cost ETFs. Builds 131,000 CZK more over the next 15 years.

Already have a contract?

Before you keep paying,
know what to ask.

Ten questions help you spot the parts of an investment, pension, or insurance contract that deserve a closer read.

Take the 2-minute Scam Risk Audit →

Free educational screening. No document upload.
Your result is not proof of a scam or a recommendation to cancel.

Can you identify every ongoing charge?

Do you know what leaving early would cost?

Would leaving this contract early mean losing any benefits or bonuses?

Who's here

Built for everyone ready to stop trusting blindly and take their financial future into their own hands.

People come here for different reasons.
Most stay for the same one: full control.

See what your bank, consultant, or advisor really signed you up for.

Understand the fees, penalties, and lock-ins hiding in a contract sold to you by someone who profits from you never reading it.

Turn idle savings into a plan.

Never invested a crown? Start with a clear and tailored roadmap, not a guess.

Find out what you're already owed.

For the ones who want to know exactly what their employer and the Czech system can set aside for them.

Go independent without guessing.

For freelancers and the self-employed ready to build a setup nobody hands you by default.

Maximize what the local system has to offer.

For the ones who want every advantage Czechia gives you. Used, not wasted.

How it works

A conversation.
Then a clear choice.

01 / Start with your question

Choose your free call.

Have a contract concern? Book a 15-minute Contract Clarity Call. Starting from scratch? Choose the 20-minute Financial Pulse Check.

Find your starting point →

02 / Understand the next step

Clarity before commitment.

We discuss what would help and whether a paid service fits. A free call does not include the detailed contract analysis offered through the Checkup.

03 / Decide in your own time

Everything in writing.

After the call, receive the scope, fixed price and next steps. A completed, paid Checkup counts as credit towards The Monarch Path or Monarch VIP for 60 days. No obligation to continue.

What's inside, free

Everything you need to read your own contract.

Guide

Czech Financial Welcome Guide

How the Czech system actually works. Before anyone tries to sell you the wrong investment product.

Audit

2-Minute Scam Risk Audit

Identify costs, penalties, and restrictions worth checking. A clear starting point, not a verdict on your contract.

Start the audit →

Checklist

The 12 Red Flags

The clauses that should stop you from signing anything, in plain English, with what each one costs.

Breakdown

Anatomy of a High-Cost Contract

A transparent example showing how an upfront fee and ongoing costs can affect long-term results. Free, anonymous and assumption-led.

Read the free breakdown →

Calculators

Free Money Calculators

Guided calculators used in the first sessions when they fit your situation, so the numbers come with context instead of guesswork.

Get the free resources

Free guide For expats in Czechia

Czech Financial
Welcome Guide

The simple 20 minutes document that replace years of not knowing where to start.

It sounds like you know your money should be doing more than sitting in a CZK account; you just never got the orientation.
This guide puts it in front of you: how the Czech system actually works, how you're missing out on free money, how to make a tax-free profit, and the fees that quietly eat the difference when a product isn't clean.

What's inside

Fees & Commissions Tax-Free Growth Free Employer Money

Already have an investment, pension, or insurance contract? Take the 2-minute Scam Risk Audit

Learn with Monarch

Ready to stop guessing with your own money?

The guide shows you how the system works.
This is where we make it about you.
Your situation, your numbers, your next move.

Book a call

What you will get

The down payment on your first flat, instead of another year sitting in a CZK account earning nothing.
The trip, the car, the year off. Paid for with money that was already yours.
Room to say yes to a new job, a new city, a new plan, without starting from zero.
No commission, no product, and no incentive to move your money anywhere. Just clarity.

Meet the founder

You've probably signed something you didn't fully understand. So did I.

Maybe it was an insurance policy sold as an investment.
Maybe it's a contract you still haven't read past page two.
If so, you're not careless. You just never got a real explanation. I didn't either.

I moved to Prague and signed exactly that: fees buried deep, unable to manage my money on my own, no one around to explain what I was actually buying.
I found out the real cost later, the hard way.
And built Monarch to be the explanation I never got.

"Would you rather pay for your consultant's cruise or buy 20 years of your own freedom?"

Instagram [email protected]

Federico Alberti, founder of Monarch Advisory

Because we don't sell financial products or take commissions from banks, and therefore aren't an intermediary, your transparency is our only interest. Monarch Advisory is not licensed by the Czech National Bank (ČNB) as an investment firm or financial intermediary; nothing on this page constitutes investment advice or a personal recommendation.

Start where every Monarch client starts.

Know what your money is actually doing for you.

Start for free