How much is not knowing really costing you?
As your local expert, I’ll help you invest, save, and build your future – with clarity, confidence, and peace of mind.
"They are a trustworthy partner who genuinely cares about their clients' financial well-being."
Dr. Wisam Naddaf
Client Spotlight
I highly recommend Full Service Europe to anyone seeking top-notch financial consultation services. They are a trustworthy partner who genuinely cares about their clients' financial well-being. Thank you, Petr, David, Iveta & all of Full Service Europe team, for your exceptional support and guidance!
I have a long history of serving local Czech clients as well. Here is some translated from Czech:
Our Process
Step 1: The Discovery Call (30 mins, free)
“We’ll start with a relaxed, no-obligation video call. This is our chance to get to know each other. I’ll listen to understand your unique situation, your goals in the Czech Republic.
Step 2: The Strategy & Plan
“Based on our conversation, I will create a personalized financial plan. You’ll see exactly what I recommend and why.
Step 3: Implementation & Action
“Once you approve the plan, I’ll guide you through every step of putting it into action. I’ll be there to handle the complexities for you.”
Step 4: Ongoing Support & Regular Reviews
“Your financial journey doesn’t end after the setup. We’ll have regular check-ins, make adjustments, and ensure you’re always on the right track.
Ready to Talk ?
A Partnership for the Long Term
The first step is always the hardest one.
While I provide dedicated, one-on-one service, I am not alone.
I am a proud Partner at Full Service Europe, one of the region’s respected financial advisory groups. This connection provides my clients with an invaluable advantage: the personalized attention of a private consultant, backed by the stability, resources, and collective expertise of a larger, established firm.
FAQ Section
“My focus is on building long-term, meaningful wealth for my clients, regardless of their starting point. While there isn’t a strict ‘minimum account size’, my strategic planning services are most effective for clients who are ready to invest an initial lump sum of at least €20,000 (approx. 500,000 CZK) or commit to a consistent monthly investment plan. This ensures we have a solid foundation to build a powerful, diversified portfolio that truly works for you. If you’re not there yet, don’t worry – let’s still have a chat. I can often provide guidance that will help you get on the right track.”
Yes, I can work with my team of specialists to help you arrange a mortgage, property or health insurance to fit your situation and the plan we create together. Although I am a financial professional and not an immigration lawyer, I specialize in the unique issues faced by expats. I understand how your residency status, family situation and long-term plans affect your financial strategy. My job is to create a plan that works within your life.
“Quite the opposite. My core strategy is to provide my clients with access to world-class, global investment opportunities. While we are based in the Czech Republic, your portfolio shouldn’t be limited by borders. I primarily utilize highly respected, European-wide platforms and major international players. This allows us to build globally diversified portfolios that are often more efficient and cost-effective than purely local Czech options. My goal is to bring the best of the global market directly to you.”
I believe in 100% transparency. My fee structure is simple and consists of two parts: a one-time fee for your initial plan and an ongoing fee for management. We will discuss the exact numbers on our free call, but for a complete overview, you can download my detailed Fee Schedule PDF here.
Absolutely. Your financial security is my top priority.
Regulation: As a holder of the European Financial Advisor (EFA) designation, I adhere to the highest European standards. All services are provided under the supervision of the Czech National Bank (ČNB).
Proven Products: We only work with regulated, established instruments, such as UCITS ETFs from major global providers. I strictly avoid unregulated or speculative products.
Your Ownership: Your investments are always held in your own name at a reputable custodian bank or broker. I never have direct access to your funds.
My Services
My role is to be your central point of contact, coordinating everything from investments to mortgages and give you clear, expert-led strategy.
1. Financial Blueprint
The one-time creation of your foundational financial plan.
2. The Partnership Plan
Ongoing management and support for a flat monthly fee. Perfect for getting started and staying on track.
3. The Wealth Management Plan (over 80,000 €)
Comprehensive service where our success is aligned. Paid as a simple annual percentage of the assets we manage together.
"When only one side wins, it's a transaction. When both sides win, it's a partnership."
About me
I have been working in the financial sector since graduating from high school. I started with the traditional sale of insurance and funds – but I quickly realized that model doesn’t work for the client. That’s why I decided to take a completely different path: fee-based advisory.
“I don’t sell products – I build financial strategies. Because my clients pay me for my expertise, not for commissions, we are always sitting on the same side of the table.”
I am a holder of the EFA (European Financial Advisor) designation, an internationally recognized certification held by only about 1% of advisors in the Czech Republic. For you, this means high-level expertise combined with local market knowledge.
As an expat or business owner in Czechia, you might be thinking:
“The local financial system is a maze, and I don’t want to make a costly mistake.”
“I need to secure my family and assets, but I’m not sure how the local regulations affect my long-term goals.”
“I want someone I can trust to explain everything in plain English, without the sales pressure.”
This is exactly where I come in. I specialize in helping expats navigate the complexities of the Czech financial landscape—from tax-efficient investments to securing mortgages for non-citizens. I create the plan, handle the context, and guide you so you can have complete peace of mind and control over your wealth.
I am based in the Moravian-Silesian Region, but thanks to digital tools, I work with clients all across Europe. When I’m not analyzing portfolios, you’ll find me on the beach volleyball court or playing my guitar to maintain a healthy work-life balance.
If you’re looking for a partner who won’t push products but will protect your future and help you thrive in the Czech Republic, let’s connect—either in person or online.
Contact
Provaznická 10, Opava, 746 01
- Email: d.kittel@fse.cool
- Phone +420 607 194 790
- davidkittelconsult
- David Kittel
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