A 12-month financial education programme for employers, universities and individuals. One clear topic a month, from how money really works to a personal plan. Education first. Nothing sold.
Czech inflation in 2022, the highest in decades. Prices never fell back.
Czech Statistical OfficeWhat 1,000,000 koruna buys after ten years of 3% inflation.
Illustrative calculationof employees say they are financially stressed. 56% say it affects their work.
The Hartford, 2025 (United States)Czechs aged 32 had faced debt enforcement. The sharpest rise comes between 18 and 27.
Czech Statistical Office, 2025Most people use money every day without ever being shown how it actually works: where it comes from, why it loses value, how interest, risk and time shape every decision. That isn't a personal failing. It's a gap.
KL Consulting closes that gap with plain-English education, real examples and one idea at a time. We don't sell financial products and we don't give personal financial advice. We help people understand, so the decisions become theirs.
Each monthly session runs 60 to 75 minutes with time for questions, plus a short practical step to take away. By month 12, everyone has their own one-page plan.
Built so people leave thinking "now I understand", not "I survived another training".
A Czech household like many of ours: two salaries, a mortgage, two children and a lot of questions. Every topic is shown through their real-life decisions, so people see themselves in the example.
Financial stress walks into work every morning. Built from 15 years of leading shared services and global business services teams, the programme gives your people real understanding, and gives you a more focused, loyal workforce.
of employees are financially stressed, and 56% say it hurts their productivity.
The Hartford, Future of Benefits Study, 2025 (United States)Financially stressed employees are twice as likely to be job hunting: 36% against 18%.
PwC, Employee Financial Wellness Survey (United States)of stressed employees would be drawn to an employer that shows care for their financial wellbeing.
PwC, Employee Financial Wellness Survey (United States)koruna a year: education benefits can be tax-free for each employee (2026 limit). Your tax adviser confirms the structure.
Czech Income Tax Act, section 6(9)(d); half the 2026 average wageCzech 15-year-olds score above the international average in financial knowledge. By their late twenties, young adults score lowest of any age group. The gap opens after school, and university is the best moment to close it.
Czech 15-year-olds score above the international average (498) in financial knowledge.
International school survey of 15-year-olds, 2022Adults aged 18 to 34 now score lowest of any age group in Czechia.
Czech Banking Association financial literacy index, 2025Czechs aged 32 had faced debt enforcement. The sharpest rise comes between 18 and 27.
Czech Statistical Office, 2025koruna: saving 1,000 a month from 22 instead of 32 ends about 800,000 ahead by 65.
Illustration assuming 5% growth a year. Not a forecast.For professionals, expats and families who want to stop feeling confused about money. The same 12-month journey, in a small group, with time for your own questions.
koruna is what a basket costing 100 koruna in 2015 cost in 2025.
Calculated from Czech Statistical Office annual inflationof Czech adults make a household budget. More than half don’t.
Czech Ministry of Finance financial literacy survey, 2026of Czech adults understand the true yearly cost of a loan shown on every offer.
Czech Ministry of Finance financial literacy survey, 2026A credit card costs about five times what a savings deposit pays: 16.8% against 3.3% a year.
Czech National Bank, household interest rates, July 2026Money kept as cash since the year you choose, measured in what it can buy today. Based on official Czech annual inflation figures.
This is Month 2 of the programme in one number.
The programme is education first. When a participant wants to act, they can choose to speak to a vetted, regulated specialist. Always optional, always their choice.
"I ran the P&L, not a slide deck. And in every team I led, I watched capable people struggle with money because nobody had ever taught them."
For 15 years Kyle led shared services and global business services teams from the Czech Republic, serving the United Kingdom, France, Germany and Central Europe. Over that time he watched financial stress become one of the most visible, and least discussed, challenges in the workplace.
He built KL Consulting to close the gap: independent, plain-English financial education that gives people real understanding, with nothing to sell. Kyle works with organisations in Prague, across Czechia and throughout Europe.
No. KL Consulting provides education only. We explain how money, markets and financial products work, the risks involved and the questions worth asking. We never tell anyone what to buy, sell or invest in. For personal decisions, participants can choose to speak to a licensed specialist.
No. The programme is education, and no products are sold in it. A specialist may occasionally join a session to share their expertise, but only when this has been agreed with you in advance. Participants decide for themselves whether to contact a specialist afterwards.
Each monthly session runs 60 to 75 minutes plus questions, in English. Sessions can run on site, on campus or online.
A live session drawn directly from the programme, run with your team or students, so you can judge the content, the approach and the response first-hand before deciding on the full 12 months.
Pricing depends on group size and format, and is shared on request after a short conversation about what would work best for you.
Under Czech rules, education benefits can be tax-free for employees up to half the average wage, CZK 24,483.50 per employee a year in 2026. How it applies to your organisation depends on how the benefit is provided, so your tax adviser should confirm the best structure.
Yes, as education. Month 7 explains digital assets in a balanced way: how they work, why they exist, their risks, custody and the Czech and EU rules. We never recommend buying any digital asset.
Tell us a little about your organisation or goals, and we'll arrange a live session drawn from the programme, so you can judge it first-hand. No obligation.
kyle.klconsulting@gmail.com