Learning how to manage personal finances is single most important lesson in life
“College graduates spend 16 years gaining skills that will help them command a higher salary; yet little or no time is spent helping them save, invest and grow their money.” - Vince Shorb, CEO, National Financial Educators Council
“The number one problem in today’s generation and economy is the lack of financial literacy.” -Alan Greenspan - American economist and chairman of the Federal Reserve from 1987 to 2006
It’s a challenging world out there…
Financial education remains a single most important subject that we were never thought in schools and that we all lack to a certain level. In a post-covid era filled with economic turbulence learning basic financial principles of how money works and why inflation and prices are increasing without an end in sight quickly becomes everyone’s top priority.
We were all thought that if we work hard, save and live responsibly, everything will be just fine. However, this is not how things are turning out. Increasing living costs, stagnant wages, and failure to keep pace with rising expenses are present more than ever.
Even if you have done extremely well in life and you have a considerable wealth sitting in you bank account, you have come to a conclusion that your significant sum of money can today buy you 40% less goods and services than only 5 years ago.
Zoric Financial Consulting is here to help you. It might be that you need only to master budgeting to outsmart bills, or someone to help explaining you how investing is primordial in order to prevent further melting of your hard earned money. Maybe you’re wondering what is this Bitcoin/crypto world that everyone around you keeps mentioning but you don’t understand nothing at all.
We can cover it all!
Services
Responsible Investing
We strongly believe that is very challenging to secure one’s retirement without responsible investing throughout a lifetime. Investing is a bedrock of compounding your hard work. We can help with:
Stocks and investment funds
Brokerage accounts
Country specific tax advice
Precious metals
Risk management
Custody
Retirement planning
Digital assets
Euro funds and bonds
Personal Finance
A journey of a thousand miles begins with a single step. Same is with financially successful person. Many little things add up in the beginning and as the time passes these little responsible decisions compound and create miracles. We can help with:
Personal financial situation review
Power of compounding
Saving
Identifying personal financial inefficiencies
Providing general financial advice
Budgeting
Tax planning
Debt management
Retirement planning
What is Money?
People don’t understand how money works. It’s extremely hard to bring sound decisions if you don’t understand basic functioning of money and yes, money is very complicated. We can educate you about:
Debt
Interest rates
Good and bad loans
Inflation and causes of inflation
History of money
Future outlook of money
Petro dollar
Bond market functioning
Good money vs bad money
Digital Assets
Bitcoin is the most polarizing asset class in history of finances. People either love it or hate it, with no in between. It’s commendable what this experiment has accomplished in very short time and w/o anyone’s support. We believe that this highly misunderstood asset can improve and complement our financial system. With our vast knowledge we can help with:
Blockchain fundamentals
Bitcoin custody solutions
ALT coins
Advantages of decentralized solutions
Bitcoin ETFs
Safe practices in digital asset space
Bitcoin as a portfolio diversifier
RWA tokenization
Smart Contracts and DeFi
Our Expertise
In 1993, as a 10 year old kid, I lived through a hyperinflation in my home country - Yugoslavia. Later I learned that this was 3rd worst hyperinflation ever in the world and yes it was terrible. I still remember my mother running to the store from work after getting her paycheck as her salary was losing value in minutes. Our biggest banknote had 11 zeros at the peak of hyper-inflationary wave and could have bought a liter of milk.
I kept wondering how money can lose value so quickly and in 2003 I had an opportunity to start understanding it. I started my finance studies in the US as a 19-year old. I am a student of global markets ever since, more than 20 years to this day. I have graduated with a business degree in 2007 from University of Illinois at Chicago.
Next 10 years I was blessed to play professional basketball throughout the Europe and France. Besides basketball during my free time, and you have it a lot as a professional athlete, I kept being immersed in finance, studying frantically and also managing my and my family’s personal accounts.
In 2018, after 11 professional seasons it was a time for a new chapter. I have started a role with State Street Global Advisors in Luxembourg who are the 3rd world biggest asset manager. After three years spent with State Street I have spent another two in Luxembourg fund industry with Société Générale Security Services.
In 2024 it was a time for another change. Witnessing many people around me who were stricken by financial hardship of covid inflation wave I have decided to incorporate my own company in Luxembourg in order to spread knowledge about the money to the needy.
As a former professional athlete I was blessed to travel a lot and to meet different people and cultures. I have lived in 7 different countries and 15 different cities. Change is part of my DNA.
I work locally in Greater Luxembourg Area or globally online in three languages: English, French and Serbian.
I wholeheartedly believe that learning about the money is one of the best investments that any single person in this world can make. My mission is simple. I want to share knowledge and help people. As each journey starts with an open and critical mind, I invite you to take responsibility for your own finances.
See you soon!!
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