Mortgages · Insurance · Investments

Finance — conservative
and straight up.

I help clients — from a mortgage through insurance to an investment portfolio — make financial decisions based on numbers and facts, not sales pitches. Whether you're sorting out a flat worth three million or a portfolio worth tens of millions.

Jan Roztočil — finanční poradce, Liberec a Praha
JR · FINANCE

“Time is the most precious commodity. And I save it for you.”

Jan Roztočil

Advice without the sales mask.

I've worked in finance since 2008 — I treat it as a craft, not a sale. I don't play up how I look or how I sound — what matters to me is whether the decision I guide a client to still holds up in five or ten years.

I work with clients across the spectrum — from a first mortgage on a flat, through setting up insurance that genuinely fits their situation, to structuring an investment portfolio — and I approach everyone the same way: facts first, emotions second.

In the field since2008
ApproachConservative
CommunicationStraight up
AreasMortgages · Insurance · Investments
ClientsRetail & VIP
LanguagesCzech · Slovak · English
CZK 1.3 billionin arranged mortgages
655clients
2 391contracts closed
2008in the field since

Figures from 2015 onwards come from my electronic records. The CZK 1.3 billion volume includes a conservative estimate of CZK 100 million for 2008–2014 and is rounded down. Client and contract counts cover 2015 onwards only.

Three areas, one approach.

01

Mortgages

Comparing offers across banks, refinancing, strategies to improve your creditworthiness, and preparing to buy another property — always backed by a real calculation, not a guess.

→ Estimate your monthly payment → Two-percent mortgages? I would not count on them coming back
02

Insurance

Protection of income, property and family set up to match the client's real situation — without needless products that only increase commission.

03

Investments

Conservative building and management of a portfolio, with an emphasis on long-term stability over short-term returns.

How I think about rate fixation

A story about why the length of your fixed rate decides hundreds of thousands. In Czech.

Let's arrange a consultation.

This form is for people who are actually dealing with a mortgage, insurance or investment. I will call you by phone, usually within one business day.

If you are just finding out how things work, use the calculator and get in touch when it becomes relevant.

E-mail roztocil@jrfinance.cz Phone +420 725 032 139 Office Palachova 1404/2, 460 01 Liberec
Jan Roztočil · Company ID 76037061
Tied agent of Broker Trust, a.s., supervised by the Czech National Bank.
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