Portfolio Audit & ETF Strategy

Cut The Noise.
Invest With Conviction.

Build a reliable ETF strategy tailored to your goals and circumstances as a European investor.

 

No courses, no downloads. A personalized one-on-one session with me.

We start where you are – from reviewing your financial situation to optimizing your portfolio.

 

The Commitment

1
What I Bring

♦ 10 Years of Experience: built my portfolio through disciplined, long-term investing.
♦ EU Expertise: deep knowledge of UCITS ETFs, European brokers and taxes.
♦ Proven Results: helped 30+ investors build conviction and robust, tailored portfolios.

2
What You'll Get

♦ Clarity: understand which ETFs fit your goals and circumstances - and why.
♦ Conviction: make investment decisions confidently, without second-guessing yourself.
♦ Actionable Plan: walk away with a personalized strategy you can implement immediately.

 

How Portfolio Audit Works

1

Book a Session

Select a suitable time and complete a questionnaire about your financial goals and circumstances.

2

Pre-Work & Agenda

I do thorough analysis of your situation and prepare feedback, materials, and a clear agenda for our call.

3

The Strategy Call

We meet for our 1-on-1 consultation to address your questions and build your investment strategy.

4

Implementation

Receive a summary/audit report and a clear action plan to execute your strategy with confidence.

Book Your Session Now

 

Testimonials

Don’t take my word for it. See what others have said:

Erik S.

🇭🇺

A single session with D. Petkovski completely changed how I approach investing. After reading most articles on his blog I decided to book a 1:1 audit to review my personal situation. He came prepared and answered all my questions in detail, but also provided crucial advice on aspects I was completely unaware of (which would have been an expensive mistake!) After the call he sent me a pdf summary of our discussion and he didn't mind answering follow up questions via email. I can say that I got more value from a single session than a year of independent research. I'd highly recommend a portfolio audit to anyone early in their investment journey.

Andrej S.

🇩🇪

D. Petkovski has an unparalleled ability to provide precise feedback catered to your personal circumstances. His deep insights make him able to explain, simply and concisely, advanced concepts that most don't even consider before starting. This was of enormous value to me as a beginner investor, to help me filter the noise and give me guidance and direction. Now I manage my own portfolio with full confidence in what I'm doing. I give my highest personal recommendation to book [D. Petkovski] for a one-on-one session. His standards are set really high and he analyzes your situation rigorously and systematically.

Antonio R.

🇮🇹

I finally reached the point where I feel comfortable as an investor. I was not a complete beginner when I booked the consultation. I had some experience trading stocks and was familiar with ETFs. But when it was time to invest the money I've saved over the years, it never felt like the right time... This call helped me develop the investor mindset, or as D. calls it "build conviction". It was really the missing piece I needed to commit to a long-term strategy that I can follow with full confidence. I have no doubts that a consultation would be of great value to both beginners and experienced investors!

Vladimir V.

🇧🇬

Working with D. Petkovski since 2021 has been a game-changer. Thanks to his guidance, I've doubled my money with ETFs and completely transformed my perspective on investing and managing money. I now approach finances with confidence and clarity. Highly recommend his expertise for anyone serious about growing their wealth!

Anonymous

🇳🇱

[D. Petkovski] knows a lot about finance, investing, Bitcoin, minimizing taxes, and keeping your wallet safe. He will look at your situation with you and help you understand different regulations, choose tax-favorable countries, and optimize your investments. He also knows a lot about residencies and obtaining passports. If you want to leave the Netherlands and you are still searching or you want more information about taxes or investing, he can think along with you and provide ideas. (Translated from Dutch)

Matteo M.

🇪🇺

I am very impressed with the knowledge and thoroughness of Mr. Petkovski. I especially recommend his services to serial expats and investors struggling with cross-border tax planning. What I appreciate the most is that he doesn't shy away from going on tangents that might seem unrelated at first, but end up being extremely important when put in the right context. The sanity checks on my current investments and asset allocation were very reassuring as well. I can wholeheartedly recommend booking a session with him for a complete assessment of your financial circumstances.

Filip N.

🇲🇰

I can't thank D. Petkovski enough for completely transforming my approach to crypto and self-custody. Before working with him, I was basically trading on gut feelings and FOMO, but he opened my eyes to the importance of understanding market cycles and do proper analysis. What I appreciate most is how he emphasized self-custody and security – something I hadn't really taken seriously before. He also has this way of breaking down complex market patterns into digestible pieces. But his advice is not only about trading; he helped me develop a proper mindset and showed me how to stay level-headed even when the market gets crazy. Honestly, working with him has been one of the best investments I've made in my journey.

Claudiu R.

🇷🇴

Your blog was the reason I started investing. :⦆ Without any experience or background in finance, I never thought I can do this on my own. Our session was the final push I needed to gain confidence in my strategy and ETF selection. Now I'm just sticking with the process without checking my portfolio every day. Thank you first of all for your patience and also for answering all my follow up questions.

Anonymous

🇺🇸

Man, you’re such a legend. This would have taken me hours to sort out, not because of 80IQ issues but because of anxiety from previous asset losses. I'm so glad you guided me through the process! I hope that I can in some little way express my gratitude for helping me without judgement. Maybe if a few more people in the world were like you in character, we would not be continually polarized in perpetual military conflicts. I’m going to follow you closely until our paths cross again on my mega yacht or possibly the local homeless shelter if things backfire. Either way, thank you for sharing your knowledge and your insightful analysis. 🙏🏻

Aleksandar G.

🇳🇱

The approach that [D. Petkovski] takes in terms of investing is really a good blend of his experience, the scientific mindset as well as focusing on things that DO work based on a lot of research and observation. For the busy people, like me, who want to start without being overwhelmed, this usually means removing the unnecessary complexity as much as possible while still keeping the impact high. And here’s where a good advice can go a long way.
Besides his insightful coaching he gives a lot of explanation and elaboration on and around the topics to help building your mindset without following blindly a recipe just for the sake of accomplishing your goals. Additionally, his blog posts are pretty valuable and contain lots of useful information and general principles to build your foundation.

Tatjana & Vladimir

🇲🇰

D. Petkovski has extensive knowledge on investing and can simplify complex concepts into actionable steps. He was of tremendous help in explaining the benefits of diversification and ETFs for our situation upfront. After we understood the risks and set realistic expectations, he guided us through the entire execution process, from opening a brokerage account to making the first purchase. After 3+ years of great results and ongoing availability for follow up questions and doubts, we recommend his services to all investors that have capital to deploy and need help developing a strategy while minimizing risks, mistakes, and missteps. (Translated from Macedonian)

Anonymous

🇪🇺

[D. Petkovski] explained the fundamentals of Bitcoin in a way that was easy and understandable to me. He also provided hands-on assistance with the setup and taught me how to place orders in a cost-efficient way, which I could never figure out by myself. He gave me the confidence to start at an older age and I'm so grateful I didn't miss an opportunity of a lifetime besides not being tech savvy.

 

 

Pricing & FAQs

The default communication channel is Google Meet.

If you prefer another format (due to privacy or unspecified reasons), just let me know during booking. I’ve also done coaching via audio calls, live chat, over email, and also in person.

This is a personalized consultation, not a standardized course.

I've taught complete beginners how to start investing, did thorough portfolio reviews for intermediate investors, and worked with 7-figure veterans on withdrawal strategies & retirement planning.

I'll adapt to your level and goals to make the session a success.

Before the session: you'll be asked to provide information about your situation during booking.

This will allow us to make the best use of our time. Besides the 2 hours on the call, I'll spend a few hours reviewing your situation and preparing.

The session: a typical session is a 2 hour deep dive.

The primary focus is developing a personalized index investing strategy via low-cost ETFs in a tax-efficient manner. However, we can go on tangents - the goal is to create a robust long-term plan that lets you sleep well at night.

No client leaves unhappy or confused.

You'll get what you came for.

After the session: you walk away with conviction and a clear roadmap.

If applicable, I'll also send a summary or an audit report.

If you have more questions, please contact me before ordering.

Booking a session is non-committal - you don't pay anything until we're sure we're a match.

This is how it works:

  1. You pick a time and fill in a questionnaire about your financial circumstances.
  2. I review it and, if I can help, will send you the payment details via email.
  3. You pay for the session and I start working on your case.

The short answer? Everyone I've worked with made multiples of the price in returns. No exceptions.

The long answer: 

You're getting a definitive strategy and expertise, not just my time before, during, and after the session.

I condense a decade of experience into clear, actionable conclusions. Both financial and psychological - every six-figure daily swing, unique market condition, costly fee, broker migration, and complex tax challenge I've faced now save my clients years of uncertainty. Most importantly, I built my million+ EUR portfolio through investing, not selling advice - all while working full-time.

TLDR You get a proven strategy and real-world experience. Not theory.

No. The goal of our session is to not need any.

I'm not using "NFA" as an empty disclaimer. An independent portfolio audit is fundamentally different:

  • Single session, flat fee — I don't profit from your ongoing fees, trades, or portfolio size
  • No affiliations — my recommendations are based on merit, not commissions or partnerships
  • My own framework — I share the exact decision-making process I'd use for myself if I were in your shoes

In summary, I don't manage your money or tell you what to do.

I share knowledge so that you can manage your investments with conviction.

Please try to avoid cancellations. There are payment processing fees that are non-refundable even to me (totaling to ~5% of the full amount). If you really need to cancel:

  • More than 24h before our session, I'll refund the full amount minus 5%
  • Less than 24h before our session, I’ll refund half the price

Rescheduling can be done at any time, but let's try to keep it up to once per session.

I can be more flexible with direct SEPA transfers or payments in BTC/stablecoins, so select the option in the booking form if you'd like to arrange that.

 

Terms & conditions apply

 

©  2025 D. Petkovski