Blog & podcasts: finance and real estate made simple
Articles, insights, and interviews to help you navigate and grow
The False Sense of Security Among Entrepreneurs: Financial Advisor? Thanks, I Don’t Need One… Or Do I?
Entrepreneurs often believe they know their business best and have full control over their finances. Reality, however, is different – assets, family, and future are all tied to the company, and without a clear strategy, a single mistake can jeopardize the entire “life’s work.”
Typical Mistakes
-
Mixing personal and business finances – the company consumes all attention, and there is no personal plan.
-
Asset concentration – most of the value is tied only to the company or real estate in the Czech Republic.
-
Underestimating risk – relying on current results and ignoring long-term diversification.
How to Address This?
Successful entrepreneurs abroad follow the rule of three pillars:
-
their own company/business
-
real estate, income from renting out their own properties
-
a globally diversified portfolio, suitably built for example from stocks, ETFs, bond funds, and real estate funds
This way, they protect their wealth from regional or sector-specific risks and build stability across generations.
What Stone & Belter Offers
The private advisory service helps entrepreneurs separate personal and business assets, plan profit distributions, create crisis and inheritance plans, and set up an investment strategy with individual diversification that reflects the required liquidity of each entrepreneur. It also includes support in financing company growth or optimizing cash flow. Everything is done transparently, with a clearly defined scope of services.
Why This Makes Sense Right Now
The economy is volatile, and the business environment is subject to frequent fluctuations. If all assets are concentrated in the company, it poses a great risk for both you and your family. Strategic planning with a professional partner is therefore not an unnecessary luxury, but a rational step to protect the values you have built over the years.
Financial planning is not about what will happen tomorrow. It is about protecting your business and family wealth over the long term, including the transfer of assets to your children.
