4fin Better Together

What 4fin Better Together does

4fin Better together, a.s. is a Czech Republic-based financial advisory firm founded in 2019 and headquartered in Prague (Nusle), operating as the primary advisory subsidiary of 4FIN HOLDING. The company serves individual retail clients — 302,500+ of them as of the latest disclosure — through a network of 1,520+ financial consultants and managers distributed across 130+ branches and contact points nationwide. Service offerings span investment planning, mortgage financing and refinancing, retirement and pension planning, life and non-life insurance, credit management and consolidation, and children's/family financial security planning, with 31 billion CZK in client assets under management.

The company generates revenue through transaction commissions on distributed financial products (insurance, investments, mortgages, pension funds) under a tied-agent (vázaný zástupce) arrangement with Broker Trust, a.s., which provides the regulatory licenses and product access to 9 banks, 3 building societies, 22 insurance companies, 22 investment companies, and 8 pension companies. Its proprietary technology stack — including 4PLAN (EFPA-compliant financial planning with AI meeting summarization), 4EKO CRM, 4TASK task management, 4EDU learning portal, financial calculators, a marketing portal, and integrated Google Workspace — is built for internal consultant productivity rather than external sale. Distribution combines direct consultant-led field sales with lead generation from a strategic partnership with CENTURY 21 Czech Republic, and the in-house HSPM subsidiary adds a property acquisition and development vertical that creates cross-sell opportunities for the advisory business.

Name

4fin Better Together

Legal name

4fin Better together, a.s.

Website

https://4fin.cz

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

501–1,000 employees

Short description

4fin Better Together is a Czech Republic financial advisory firm serving 302,500+ individual clients through 1,520+ consultants across 130+ branches, distributing insurance, mortgages, investments, and pension products as a tied agent of Broker Trust under the 4FIN HOLDING group.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163), Services-Management Consulting Services (8742)

akta.pro primary industry

Personal Financial Management & Budgeting (PFM) (FSAGAAAH)

akta.pro secondary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Financial advisory services
• Financial planning
• Insurance distribution
• Investment intermediation
• Mortgage consulting

Headquarters

HQ city

Nusle

HQ country

Czechia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Commission from Financial Products: Revenue generated through commissions on distributed financial products including insurance (life, non-life), investment products, mortgages, and pension funds. Operates as tied agent (vázaný zástupce) of Broker Trust, a.s.
2. Consultant Revenue Sharing: Seven types of consultant income: acquisition commissions, follow-up commissions (client base value), managerial differential commissions, leads, profit sharing,concipients, and passive income. Consultants can build scalable business through network.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

4fin Better Together is a Czech financial advisory firm operating as a tied agent (vázaný zástupce) of Broker Trust, a.s. It provides individuals with comprehensive personal financial planning services including investment management, mortgage origination and refinancing, life and non-life insurance, pension planning, credit management, and wealth protection, delivered through a network of 1,520+ financial consultants across 130+ branches nationwide. The firm supports its consultant network with a proprietary digital ecosystem (4PLAN, 4EKO, 4TASK, 4EDU, calculators, marketing portal) and partners with 9 banks, 3 building societies, 22 insurance companies, 22 investment companies, and 8 pension companies.

Product overview

4fin Better Together is a financial advisory company operating as a bound representative of Broker Trust, offering clients comprehensive financial services and consultants a proprietary digital ecosystem. The product portfolio consists of interconnected internal tools: 4EKO (CRM for client and contract management), 4PLAN (AI-enabled financial planning with EFPA methodology), 4TASK (task management synced with CRM), 4EDU (educational portal), Kalkulačky (financial calculators), Marketingový portál (marketing materials), and Obchodní výbava (business materials). Google Workspace is provided as the collaboration infrastructure. All tools are designed for the consultant network and are not sold as standalone products. The ecosystem emphasizes data integration between tools, enabling a unified workflow from initial client meeting through financial planning, contract execution, and ongoing servicing.

Differentiator

Problem solved

Functional benefit

Brands

• 4PLAN: Modern financial planning tool for electronic financial analysis
• 4EKO
• 4TASK
• Kalkulačky
• Obchodní výbava
• 4EDU
• Marketingový portál
• Google Workspace

Products and services

• Comprehensive Financial Advisory End-to-end personal financial advisory covering investment of free funds, mortgage financing and refinancing, retirement planning, income protection, insurance (life and non-life), credit management and consolidation, children's financial planning, and custom financial plans tailored to individual client goals.
• Property & Real Estate Advisory Comprehensive property management, real estate transaction advisory, and property value optimization services offered in conjunction with financial planning through the 4FIN HOLDING group and CENTURY 21 partnership.

Quantifiable outcome

• 302,500+ satisfied clients served
• +3 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• Broker Trust, a.s.coreChannel Partner/ Reseller/ Distributor · 1 January 20194fin Better Together operates as tied agent (vázaný zástupce) of Broker Trust, a.s. This partnership provides regulatory framework for financial services including investment intermediation (ČNB registered), insurance distribution, supplementary pension savings, and consumer credit. Broker Trust infrastructure enables 4fin to access 9 banks, 3 building societies, 22 insurance companies, 22 investment companies, and 8 pension companies.
• CENTURY 21 Czech RepublicflagshipStrategic or Co-development PartnerStrategic partnership with CENTURY 21 (global real estate leader with 14,000+ offices in 86 countries, operating in Czech Republic since 2008 with 70 offices and 240,000+ served clients). Provides lead sharing for integrated real estate and financial advisory services. Enables 4fin consultants to access real estate transaction leads and provide comprehensive property-financial solutions.
• HSPM (Healthy Sustainable Property Management)coreStrategic or Co-development PartnerCompany founded in 2020 specializing in residential property renewal and development. Part of 4FIN HOLDING ecosystem. Purchases properties at fair prices and reconstructs to high standards, providing quality affordable housing for families while creating business opportunities for the advisory ecosystem.
• Google (Google LLC, Google Ireland Limited, Google Commerce Limited, Google Asia Pacific Pte. Ltd, Google Australia Pty)coreTechnology or IntegrationGoogle cloud services used as data storage provider for client information. Integrated with Google Workspace (Gmail, Calendar, Drive, Documents) for consultant productivity tools. Data processing agreement in place with standard contractual clauses for EU data protection compliance.
• Pink Bubble Nadační fondminorOthersLong-term charity partnership supporting children and young people affected by oncological diseases. Company and employees contribute to the foundation. Annual Christmas campaign to support the cause.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Market position

Strengths4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/4finbetter
• LinkedInlinkedin.com/company/millennial-wealth-strategies

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 4fin Better Together