Your finances in order. Decisions without the rush.

Independent advice for individuals and small businesses: budgeting, investing, taxes, debt and savings. No products pushed on you.

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Advisor reviewing market charts in a bright office

How we help

Personal budget

We review income and spending, find the leaks and build a savings plan.

Investing

We match a strategy to your goals and timeline and explain the risks in plain words.

Taxes and paperwork

We show you how to lower your tax burden legally and never miss a deadline.

12 years

average advisor experience

1,800+

consultations delivered

€0

commissions from products

60 min

first meeting

How we work

Intro call

A short call to learn your goal and tell you honestly how we can help.

Review

Together we lay out income, expenses, debts and savings.

Plan

You receive a written plan with concrete steps and deadlines.

Follow-up

We check progress and adjust when your life changes.

For families

We plan the household budget, a safety cushion, education and big purchases, from a first home to a college fund.

We also help set simple rules for shared money, so finances bring you together instead of causing arguments.

A family talking together at an outdoor table

For investors

We find out how much risk you can carry and build a portfolio for your goal and timeline, not for the latest trend.

Fees, taxes and diversification are explained without jargon. The decisions always stay with you.

Investor watching a rising chart at night

For business owners

We separate personal and business money, set up cash flow and a reserve for taxes.

We help you choose a tax regime and prepare for audits and reporting.

Presenter pointing at a global map on a large screen

Frequently asked questions

How long is the first meeting?

About 60 minutes, online or in the office. Afterwards you receive a written summary.

Do you sell financial products?

No. We work for a fixed fee only and take no commissions from banks, brokers or insurers.

Do I need to bring documents?

Rough figures for income, expenses, debts and savings are enough. We clarify the details as we go.

Is my data safe?

Yes. Everything said in a consultation is confidential. See our Privacy Policy.

Not sure where to start?

The first meeting is an introduction and a review of your situation. You leave with a clear plan.

Send a request

About us

We are a small team of financial advisors. We work for a fixed fee only, so we have nothing to sell you except advice.

Our approach

We start with your life, not with products: goals, family, time horizon and attitude to risk. Then we build a clear plan and explain every step.

We promise no returns and take no commissions from banks, brokers or insurers. Our only income is the fee for the consultation.

Calm morning with coffee while an assistant shows account totals

The team

Anna Belova

Founder, certified financial planner

Michael Orlov

Investment advisor, 14 years in the market

Elena Sokolova

Tax specialist for small businesses

Our principles

Independence

We are not tied to banks or brokers, so we recommend only what suits you.

Transparency

The price is known upfront and every recommendation is explained and written down.

Simplicity

We use plain language and give steps you can take this week.

Our story

The company grew out of the private practice of Anna Belova, who began helping friends with budgeting and savings.

Today we work with individuals and small businesses and still charge only for the consultation.

2012 First consultations for private clients.
2016 Small business practice launched.
2020 Moved online and grew the team.
2025 Over 1,800 consultations delivered.

Services

Fixed prices and a clear result. Prices are indicative; replace them with your own rates.

Single consultation

from €80

Review of your situation, 60 minutes
Written summary with recommendations
Follow-up questions answered for 7 days

Financial plan

from €350

Analysis of budget, debts and assets
Goals for 1, 5 and 10 years
Savings and investment strategy

Ongoing support

from €120/mo

Monthly meeting and plan updates
Chat support for your questions
Goals reviewed every quarter

Small business

from €200

Cash flow and planning
Choosing a tax regime
Separating personal and business finances

What a financial plan includes

We analyse your budget, debts and assets, set goals for 1, 5 and 10 years and calculate how much to set aside.

You receive a document with steps, deadlines and scenarios in case something goes wrong.

How to prepare

Gather rough figures for income and regular payments, plus a list of loans and savings.

Think about where you want to be in one, five and ten years. We will help with the rest at the meeting.

Need a service that is not listed?

Describe your task and we will suggest a format.

Privacy Policy

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Last updated: 5 October 2026.

1. General

This policy explains how wavenodeqzfl ("the Company", "we") collects, uses and protects personal data of visitors to wavenodeqzfl.cfd and of our clients. By using the site and sending us data you agree to this policy.

2. Data we collect

Name, phone number and email address you enter in forms.
Information about your finances that you share in a consultation.
Technical data: IP address, browser type, pages visited and time of visit, cookies.

3. Purposes of processing

Replying to requests and arranging consultations.
Providing services and meeting contractual obligations.
Improving the site and measuring traffic.
Complying with legal requirements.

4. Legal basis

We process data based on your consent, the service contract and the requirements of applicable law.

5. Sharing with third parties

We do not sell your data or share it for advertising. Only providers needed to run the business (hosting, email, payment services) and public authorities, where the law requires, may receive it. All are bound by confidentiality.

6. Storage and protection

We keep data no longer than needed for the purposes or required by law (as a rule, no more than 3 years after our last contact). We use technical and organisational measures: encrypted connections, access control and backups.

7. Confidentiality of consultations

Everything you tell our advisors about income, assets and liabilities is confidential and is not disclosed without your written consent, except where the law requires.

8. Cookies

The site uses cookies in four categories: necessary (always on), preferences, analytics and marketing. Apart from necessary cookies, you choose which to allow in the cookie banner, and you can change your choice at any time through "Cookie settings" in the footer or in your browser.

9. Your rights

Find out what data we hold about you.
Request correction, restriction or deletion of your data.
Withdraw your consent at any time.
Lodge a complaint with a data protection authority (in Poland: the UODO).

10. No investment guarantees

Site materials and consultations are informational and are not a personal investment recommendation or a guarantee of returns. Investing involves the risk of losing capital.

11. Changes to this policy

We may update this policy. The current version is always on this page, with its date at the top.

12. Company details

wavenodeqzfl, Juliusza Słowackiego, 87-700 Aleksandrów Kujawski, Poland. Data contact: [email protected]. To use your rights, write to the same address.

Contact

Leave a request and we will reply within one business day.

Office

Juliusza Słowackiego, 87-700 Aleksandrów Kujawski, Poland
Mon–Fri, 10:00–19:00

Reach us

Phone: +48 54 282 50 44
Email: [email protected]