Confidential one-to-one financial consultations for employees and their families.
Financial MRI — Free
The first complete ecosystem in Romania that treats financial stress with concrete solutions.
TRUST
Just as your medical subscription protects your body, Clinica Financiară is a service built for financial health
We work with experts authorised by ANPC and ASF, chosen for their seniority and professionalism, with more than 30 years of experience in banking and finance, brokerage and financial education.
An individual financial consultation, devoted to understanding your current situation in depth and identifying the options that suit you best, according to your personal goals and your risk profile.
Zero costs. The fees of our expert hub are covered entirely by partner banking institutions and insurance companies, in accordance with the legal regulations in force.
The information discussed stays confidential, and your employer has no access to your financial situation.
Booking the consultation is simple and efficient, and fits around your availability.
WHAT CAN WE HELP YOU WITH?
DIVISION 01
Understand
Symptoms
High income that drains away inexplicably from one month to the next, no real safety fund, impulse spending.
Treatment
We teach you to apply the PROFIT FIRST method to your personal budget – the technique by which you pay your own future before you spend. We structure the emergency fund and the safety fund mathematically, to remove financial anxiety completely.
DIVISION 02
Optimise
Symptoms
Instalments rising because of inflation, over-indebtedness, the sense that the salary is swallowed by the banks.
The frustration of money lost every month on rent, the fear of bank bureaucracy, the dread of pointless trips to the counter, and the uncertainty that you might not choose the best offer when you want to buy a house.
Treatment
Auditing every current obligation and applying intelligent refinancing. We consolidate debt to bring the monthly instalment down and release the pressure on your family’s cash flow.
We provide instant pre-scoring for new acquisitions (mortgages or personal loans), 100% digital, with no trip to the bank. We treat the tenant syndrome by showing you exactly how an intelligently chosen instalment is an investment that protects you from inflation. We bring every offer on the market into one place and help you build an asset.
DIVISION 03
Protect
Symptoms
The continuous stress caused by the fear that an unforeseen event - a serious health problem, an accident or the loss of a job - could destroy your financial balance. The constant worry that your family could be left vulnerable in the event of a tragedy, or that you could become unable to pay and risk the forced sale of the house because of debt.
Treatment
Building a shield of financial immunity by selecting and auditing the right insurance package (health, life, property, unemployment or incapacity for work). We help you configure intelligent solutions, including policies with capital accumulation that take over the risks and the instalments entirely at critical moments. That way you avoid penalties, you protect your assets and you guarantee peace of mind for the people you love, in any scenario.
DIVISION 04
Build
Symptoms
Worry about the sustainability of the state pension, the wish to secure the children’s education, capital sitting in current accounts that lose value because of inflation.
Treatment
Auditing the pension pillars. We structure savings plans dedicated to the children’s start in life and give you independent educational guidance on directing surplus capital.
THE TEAM
Behind the digital platform there is a dedicated management team
Operations Director and Co-founder, Clinica Financiară
Darian coordinates the operations and the development of Clinica Financiară. With more than 12 years of expertise in operational management and Commercial Law, he makes sure every financial wellbeing programme is implemented simply and efficiently for our partners.
Master Franchise Manager, Imobiliare.ro Finance / Co-founder, Clinica Financiară
Florina coordinates the lending and financial education side of Clinica Financiară. With more than 34 years of experience in banking management and brokerage, she helps people understand their financial options better, compare the available solutions properly and make informed decisions suited to their real situation.
Head of the Risk Management Division / Senior Financial Consultant
Daiana coordinates the financial protection and insurance side of Clinica Financiară. She analyses the risks that can affect the financial stability of a person or a family and builds protection solutions for life, income, assets and unforeseen situations.