High income is not the same as financial security.
For IT professionals, executives and consultants without a company of their own.
High monthly income with no structure, no reserve and no clear allocation.
A personal financial plan with a reserve, allocation discipline and measured risk.
Outcomes, not a list of activities.
- 01Personal Financial Blueprint
- 02Liquidity, liabilities and monthly surplus
- 03Baseline risk profile and risk capacity
- 04Capital allocation discipline
- 05Preparation of major decisions and purchases
- 06A path towards long-term independence
Questions this scope answers.
How much reserve is enough for my income profile?
Should I buy a property now, or keep my liquidity?
How much of my income can permanently go into long-term allocation?
The goal isn't just income. It's independence from the company's next month.
Monthly surplus is split between operating liquidity, a safety reserve and an agreed allocation, according to a measured capacity for risk.
- 42%
Operating liquidity
company cash flow and current liabilities
- 26%
Safety reserve
up to an agreed number of months
- 32%
Agreed allocation
long-term capital outside the company
- Career-Independent Runway
- 14 months
- External Wealth Ratio
- 38%
- Personal reserve
- €96,000
- Capital outside the operating company
- €912,000
FromCFO determines how much is safe to set aside, and with what capacity for risk. Advice on a specific investment product is given by a licensed partner. No return is ever promised.
ILLUSTRATIVE DATAAgreed individually.
Scope and fee are agreed after a private diagnostic conversation, based on the complexity of your situation.