[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ahmcr.cz\/neni-financni-poradce-jako-poradce\/#Article","mainEntityOfPage":"https:\/\/www.ahmcr.cz\/neni-financni-poradce-jako-poradce\/","headline":"Nen\u00ed finan\u010dn\u00ed poradce jako poradce","name":"Nen\u00ed finan\u010dn\u00ed poradce jako poradce","description":"Sou\u010dasn\u00fd \u010dlov\u011bk \u0159e\u0161\u00ed dnes a denn\u011b z\u00e1le\u017eitosti t\u00fdkaj\u00edc\u00ed se jeho financ\u00ed: p\u0159i koupi, spo\u0159en\u00ed, finan\u010dn\u00ed rezerv\u011b, v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddce na trhu aj. C\u00edl p\u0159itom z\u016fst\u00e1v\u00e1 stejn\u00fd, uspokojit danou pot\u0159ebu i kvalitu, ov\u0161em za co nejp\u0159\u00edzniv\u011bj\u0161\u00ed cenu. Pohyb \u010di v\u00fdsledek sv\u00e9 finan\u010dn\u00ed […]","datePublished":"2025-06-29","dateModified":"2025-06-29","author":{"@type":"Person","@id":"https:\/\/www.ahmcr.cz\/author\/#Person","name":"","url":"https:\/\/www.ahmcr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ahmcr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ahmcr.cz\/wp-content\/uploads\/img_a309849_w2357_t1520851094.jpg","url":"https:\/\/www.ahmcr.cz\/wp-content\/uploads\/img_a309849_w2357_t1520851094.jpg","height":0,"width":0},"url":"https:\/\/www.ahmcr.cz\/neni-financni-poradce-jako-poradce\/","wordCount":623,"articleBody":"Sou\u010dasn\u00fd \u010dlov\u011bk \u0159e\u0161\u00ed dnes a denn\u011b z\u00e1le\u017eitosti t\u00fdkaj\u00edc\u00ed se jeho financ\u00ed: p\u0159i koupi, spo\u0159en\u00ed, finan\u010dn\u00ed rezerv\u011b, v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddce na trhu aj. C\u00edl p\u0159itom z\u016fst\u00e1v\u00e1 stejn\u00fd, uspokojit danou pot\u0159ebu i kvalitu, ov\u0161em za co nejp\u0159\u00edzniv\u011bj\u0161\u00ed cenu. Pohyb \u010di v\u00fdsledek sv\u00e9 finan\u010dn\u00ed situace vn\u00edmaj\u00ed m\u00e9n\u011b i v\u00edce majetn\u00ed lid\u00e9.\t\u00a0D\u00edky tomu m\u00e1 u n\u00e1s i ve sv\u011bte finan\u010dn\u00ed poradce sv\u00e9 uplatn\u011bn\u00ed. Jako ve v\u0161ech oborech se v\u0161ak naleznou lid\u00e9 dob\u0159e vykon\u00e1vaj\u00edc\u00ed svoji pr\u00e1ci a ti, kte\u0159\u00ed se ohl\u00ed\u017eej\u00ed na v\u00fdsledek pouze u sebe, a ne u\u017e tolik u z\u00e1kazn\u00edka. P\u0159i v\u00fdb\u011bru finan\u010dn\u00edho poradce se mus\u00edme ohl\u00ed\u017eet na n\u011bkolik faktor\u016f:\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Finan\u010dn\u00ed zam\u011b\u0159en\u00ed (m\u00e1 se jednat o hypote\u010dn\u00edho, \u00fav\u011brov\u00e9ho nebo jin\u00e9ho poradce?).\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pot\u0159ebuji z\u00e1visl\u00e9ho \u010di nez\u00e1visl\u00e9ho finan\u010dn\u00edho poradce?\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak pracuje (je aktivn\u00ed? m\u00e1 pr\u00e1ci zorganizovanou?).\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bere ohledy na m\u00e9 touhy, sny a p\u0159\u00e1n\u00ed, aby spolupr\u00e1ce s\u00a0n\u00edm pro m\u011b nebyla finan\u010dn\u00edm utrpen\u00edm (ponech\u00e1 mi v\u00a0pl\u00e1nu n\u011bjak\u00e9 finan\u010dn\u00ed prost\u0159edky na hobby, n\u00e1kupy pro radost apod.?).\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Stupe\u0148 jeho vzd\u011bl\u00e1n\u00ed a zku\u0161enost\u00ed.\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Je zapsan\u00fd v registru regulovan\u00fdch subjekt\u016f, kter\u00e9 vede \u010cesk\u00e1 n\u00e1rodn\u00ed banka?\t\u00daskal\u00ed z\u00e1visl\u00e9ho a nez\u00e1visl\u00e9ho finan\u010dn\u00edho poradce?\t\u00a0Z\u00e1visl\u00fd finan\u010dn\u00ed poradce je smluvn\u011b v\u00e1z\u00e1n k\u00a0n\u011bjak\u00e9 konkr\u00e9tn\u00ed instituci (tedy nap\u0159. poji\u0161\u0165ovn\u011b nebo bance). M\u016f\u017ee to m\u00edt, obdobn\u011b jako druh\u00e1 varianta, sv\u00e9 v\u00fdhody a nev\u00fdhody. Z\u00e1le\u017e\u00ed na tom, jakou oblast financ\u00ed pot\u0159ebujeme \u0159e\u0161it my. Plat\u00ed v\u0161ak, \u017ee spolupr\u00e1ce poradce mezi n\u00edm a touto instituc\u00ed je stav\u011bna tak, \u017ee poradci se bezprost\u0159edn\u011b vyplat\u00ed. Pokud chceme vyjednat v\u00fdhodn\u011bj\u0161\u00ed \u00farok u hypot\u00e9ky, m\u016f\u017ee se n\u00e1m to hodit. Pokud v\u0161ak \u0159e\u0161\u00edme pouze rodinn\u00fd rozpo\u010det \u010di hled\u00e1me ur\u010ditou formu spo\u0159en\u00ed, m\u011bli bychom zbyst\u0159it. V\u00a0tu chv\u00edli nen\u00ed dobr\u00e9 p\u0159ij\u00edmat od finan\u010dn\u00edho poradce nab\u00eddky tipu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 aktu\u00e1ln\u011b nejsou pro n\u00e1s v\u00fdhodn\u00e9, jeliko\u017e pot\u0159ebujeme \u0159e\u0161it jinou oblast, jen proto, \u017ee i kdy\u017e to nezm\u00edn\u00ed, dost\u00e1v\u00e1 od p\u0159\u00edslu\u0161n\u00e9 instituce pen\u00edze \u010di provize ze smlouvy, kterou mezi V\u00e1mi a poji\u0161\u0165ovnou smluvil. Ani\u017e by V\u00e1s informoval, kolik krit\u00e9ri\u00ed nav\u00edc mus\u00edte plnit, abyste v\u00a0p\u0159\u00edpad\u011b dan\u00e9 ud\u00e1losti m\u011bli v\u016fbec na pojistku n\u00e1rok. N\u011bkter\u00e9 instituce mohou v\u00a0podstat\u011b nastavit nesplniteln\u00e1 krit\u00e9ria s\u00a0nimi\u017e leg\u00e1ln\u011b \u0161\u00ed\u0159\u00ed sv\u016fj business.\t\t\u00a0Nez\u00e1visl\u00fd finan\u010dn\u00ed poradce sice nen\u00ed v\u00e1z\u00e1n spoluprac\u00ed ji\u017e ze zm\u00edn\u011bn\u00fdmi institucemi, av\u0161ak i tak je nutn\u00e9 ohl\u00ed\u017eet se na fakt, za jak\u00e9 slu\u017eby ho budeme platit. Spolupr\u00e1ce se mus\u00ed vyplatit ob\u011bma stran\u00e1m. Proto se vypl\u00e1c\u00ed v\u0161e si nechat propo\u010d\u00edtat, s\u00e1m se pod\u00edvat na internet a ujistit se, \u017ee opravdu nab\u00eddka v\u00a0porovn\u00e1n\u00ed s\u00a0jin\u00fdmi, se kterou p\u0159i\u0161el, byla aktu\u00e1ln\u011b nejv\u00fdhodn\u011bj\u0161\u00ed, cht\u00edt vid\u011bt zaznamenan\u00e9 jeho srovn\u00e1n\u00ed. Cht\u00edt vid\u011bt v\u00fdpo\u010dty dan\u00e9 investice i do budoucna apod. Ka\u017edop\u00e1dn\u011b je zde men\u0161\u00ed pravd\u011bpodobnost zaujatost\u00ed a v\u00e1zanost\u00ed na ur\u010ditou finan\u010dn\u00ed instituci. Nemus\u00ed m\u00edt v\u0161ak k\u00a0dan\u00e9 instituci vytvo\u0159en\u00e9 kontakty, jako poradce z\u00e1visl\u00fd.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed finan\u010dn\u00ed poradce jako poradce","item":"https:\/\/www.ahmcr.cz\/neni-financni-poradce-jako-poradce\/#breadcrumbitem"}]}]