Book a Consultation — Daniil Kozin

One hour. Your real numbers. A plan that actually makes sense for your situation.

You send me your numbers beforehand. On the call, I go through them with you — what is working, what is costing you, and what I would change if I were in your position.

By the end of the hour you will have a plan written down with specific steps for this month and this year. I send you a summary after so you do not have to take notes during.

What Happens During the Call

Before

You fill out a short form with your numbers — income, expenses, savings, debts, what you are investing in (if anything). Takes about ten minutes. This way we do not waste the first half of the call gathering basics.

First 15 min

I walk you through what I see. Where the money is going, what is costing more than it should, and the stuff that is easy to miss — recurring charges, bad rates, money sitting somewhere doing nothing.

Next 30 min

We build a plan. What to cut, what to move, where to put it. I explain what I would do and why. You ask whatever you want — there are no dumb questions here.

Last 15 min

We write down next steps together. What to do this week, what to do this month, what can wait.

After

You get a personalized summary with your numbers, the plan we discussed, and links to everything I mentioned. If you have questions later, you can email me. I answer.

After payment you get the booking link by email and a redirect to my calendar. Zoom or Google Meet, whatever works for your timezone.

Who this is for.

An hour with someone who spent eight years inside the financial-advice business and exited because the incentives were upside down. You bring the actual numbers — paychecks, expenses, debts, savings, accounts. I read them the way I read my own.

You leave with a written summary and the next three decisions ranked by what they will move. Two of those decisions usually happen on the call itself, not in follow-up.

For a fully managed wealth-management relationship, a fee-only planner is the right fit. This is the second opinion you wished you had before you signed with one.

Common Questions

Do I need to read the guide first?

It helps, but it is not required. The guide gives us a shared language — Ben, Jake, the invisible bleed. If you have read it, we can skip the basics and go deeper faster.

What if my situation is complicated?

Most situations are simpler than they feel. But if yours genuinely needs more than one hour — like multiple properties, business income, international accounts — I will tell you honestly during the call rather than rush through it.

Is this financial advice?

It is a second opinion, not regulated advice. I read your numbers, tell you what I would do in your shoes, and hand the decision back to you. Every call ends with a written summary so you can revisit it cold. The choice and the consequences stay with you.

Can I get a refund if the call is not helpful?

Yes. If you finish the call and feel like it was not worth your time, tell me and I will refund the full amount. No argument.

How soon can I book?

As soon as the payment clears (about a minute) you get a confirmation email with a private booking link, and the page itself redirects you to my calendar. Most weeks I have something within seven days. The Zoom or Google Meet link arrives by email once you pick a time.

This is not financial advice. Your decisions are yours.
Daniil Kozin · daniilkozin.com · daniil.kozin@gmail.com

A Working Session. Not a Sales Call.

What Happens During the Call

Who this is for.

Common Questions