An independent financial adviser. No products, no commissions. Strategies built for your situation. For people who want an adviser, not a salesperson.
Free intro call →
Answer a few short questions and the first call will be far more productive. Takes 2 minutes.
You pay for time and expertise. Not for product sales.
FAQ
No. I do not sell financial products and I take no commissions from third parties. I earn only from consulting time, which puts me on the same side as you.
If you have been to an adviser whose meeting turned into a product presentation, that will not happen here. If I see that you do not need a paid session, I will say so.
No. I help you understand how a portfolio works and what returns and risks to expect from it. I do not manage the portfolio directly and I do not place trades for you.
You make the decisions, only now knowing what you are doing and why.
Yes. If you have already picked something out, an investment property for example, I can work through the real return, the risks and how that decision fits your overall plan.
What I do not do is come to you with “buy this”. And if the question is “suggest what I should buy”, the answer will be a general direction based on your goals and plan, not a specific instrument.
No. I work with people who have no savings yet. Often the first job is not investing but a budget: seeing by category where the money actually goes. Without that, no investment strategy has a foundation.
An adviser at a bank or an insurance company represents their employer and its range of products. I represent no one, and I am paid nothing for recommending anything.
Within 1–2 working days I will send a short summary: what I heard, where I suggest starting and what it would cost. No commitment.
Usually three questions: when can I start investing, how much will I need in retirement, and when could I reach financial independence. All three have concrete answers once you can see your own numbers.
A document of 5 to 20 pages: assets, debts, cash flow, existing investments and goals in one place. I prepare it within five working days.
After that we work together for a year: four meetings and the option to write any time in between.
Only the ones your question needs. If we are building a budget, I ask for spending by category. If we are checking whether your existing assets work hard enough, I ask for asset and debt values. If we are modelling investments, I ask for your current portfolio structure.
I ask for these before a paid session, not before the intro call.
Yes. I consult remotely, so location is not an issue. I work in Lithuanian and English.
Choose the type of call and a time that suits you. Or write directly: laimis@kisielius.eu
How it works
Pick a slot in the calendar. There is nothing to prepare.
2 minutesYou tell me your situation, I listen and tell you where I can help. If you do not need a paid session, I will say so.
30 min, freeWhat I heard, where I suggest starting and what it would cost. No commitment.
within 1–2 working daysI ask only for the numbers your question needs. Nothing is paid upfront.
plan within 5 working daysI reply within 1 to 2 working days.
Media
On shows and podcasts I share an independent perspective on personal finance, planning, and the decisions worth thinking about early.
The information on this site is general, educational and planning oriented. It does not constitute personal investment recommendations or an offer of specific financial instruments, and should not be treated as investment advice under the Law on Markets in Financial Instruments of the Republic of Lithuania. Laimonas Kisielius acts as a BFAA certified specialist providing financial planning, education and tax optimisation services.