{"id":3485,"date":"2026-01-15T07:44:29","date_gmt":"2026-01-15T06:44:29","guid":{"rendered":"https:\/\/www.svet-financii.sk\/test\/?page_id=3485"},"modified":"2026-02-26T13:53:26","modified_gmt":"2026-02-26T12:53:26","slug":"kontrola-zmluv","status":"publish","type":"page","link":"https:\/\/www.svet-financii.sk\/?page_id=3485","title":{"rendered":"Audit zml\u00fav"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-o7p7g7-aefaf0c15c375b8b13cff4ad4fb45fc3\">\n.avia-section.av-o7p7g7-aefaf0c15c375b8b13cff4ad4fb45fc3{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2015\/07\/business-office-work.jpg);\nbackground-position:50% 0%;\nbackground-attachment:scroll;\n}\n.avia-section.av-o7p7g7-aefaf0c15c375b8b13cff4ad4fb45fc3 .av-section-color-overlay{\nopacity:0.6;\nbackground-color:#000000;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-o7p7g7-aefaf0c15c375b8b13cff4ad4fb45fc3 main_color avia-section-no-padding avia-no-border-styling  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-section-color-overlay-active container_wrap fullsize'  data-section-bg-repeat='stretch'><div class=\"av-section-color-overlay-wrap\"><div class=\"av-section-color-overlay\"><\/div><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-o472jz-5792a7116e15b75caa7e2d33909cf460\">\n#top .hr.hr-invisible.av-o472jz-5792a7116e15b75caa7e2d33909cf460{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-o472jz-5792a7116e15b75caa7e2d33909cf460 hr-invisible  avia-builder-el-1  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-nwfnwv-9c526e48505e9f671ec10426099bb1aa\">\n#top .av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa{\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:40px;\n}\nbody .av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .av-special-heading-tag{\nfont-size:40px;\n}\n.av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-nwfnwv-9c526e48505e9f671ec10426099bb1aa .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-nwfnwv-9c526e48505e9f671ec10426099bb1aa av-special-heading-h3 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  el_after_av_hr  el_before_av_textblock  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Rozumie\u0165 zmluv\u00e1m je z\u00e1klad.<br \/> Aj ke\u010f si ich nep\u00edsal ty.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-mkebtg8j-b873414cac05a41f014548ceb1f95e24 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\">Preklad\u00e1me finan\u010dn\u00e9 zmluvy z \u201eodbornej re\u010di\u201c do jazyka, ktor\u00e9mu rozumie\u0161 ty.<\/p>\n<\/div><\/section>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-4fuj6l-367e4ea753ac9a226df3109700128586 av_three_fifth  avia-builder-el-4  el_after_av_section  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div  '     ><div  class='avia-video av-mktpi4m4-b814660d978ae19ae313994de2525bb8 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/youtu.be\/rqzToY_4UEQ'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"Plat\u00edte za poistenie viac, ne\u017e mus\u00edte? \u010cas na audit zml\u00fav! | Svet financi\u00ed\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/rqzToY_4UEQ?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><\/div><div  class='flex_column av-7z2h9-54298021bfe4354f55d27b74c1e431a7 av_two_fifth  avia-builder-el-6  el_after_av_three_fifth  el_before_av_section  avia-builder-el-last  flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mktpjwds-a8c27f7add0f8575b5b65c982370f5e3\">\n#top .av-special-heading.av-mktpjwds-a8c27f7add0f8575b5b65c982370f5e3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mktpjwds-a8c27f7add0f8575b5b65c982370f5e3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mktpjwds-a8c27f7add0f8575b5b65c982370f5e3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mktpjwds-a8c27f7add0f8575b5b65c982370f5e3 av-special-heading-h3  avia-builder-el-7  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Audit ako z\u00e1klad finan\u010dn\u00e9ho poriadku<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-mktpkbcg-1e659ac58c2ef9c6f334b5fd7a564d44 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p data-start=\"257\" data-end=\"509\">V priebehu \u017eivota uzatv\u00e1rame mno\u017estvo finan\u010dn\u00fdch zml\u00fav \u2013 poistenia, \u00favery, invest\u00edcie \u010di sporenia. \u010casto vznikaj\u00fa postupne, v r\u00f4znych obdobiach a za r\u00f4znych okolnost\u00ed. Bez pravidelnej kontroly v\u0161ak m\u00f4\u017eu strati\u0165 zmysel, by\u0165 neaktu\u00e1lne alebo neefekt\u00edvne.<\/p>\n<p data-start=\"511\" data-end=\"815\">Finan\u010dn\u00fd audit pom\u00e1ha urobi\u0165 poriadok v existuj\u00facich zmluv\u00e1ch a nastaveniach. Jeho cie\u013eom nie je h\u013eada\u0165 nov\u00e9 produkty, ale pochopi\u0165, \u010do m\u00e1te, pre\u010do to m\u00e1te a \u010di to st\u00e1le zodpoved\u00e1 va\u0161ej aktu\u00e1lnej \u017eivotnej situ\u00e1cii. Zmeny v pr\u00edjme, rodine, b\u00fdvan\u00ed \u010di cie\u013eoch si \u010dasto vy\u017eaduj\u00fa aj \u00fapravu finan\u010dn\u00fdch rie\u0161en\u00ed.<\/p>\n<p data-start=\"817\" data-end=\"1013\">Pravideln\u00fd audit dok\u00e1\u017ee odhali\u0165 zbyto\u010dn\u00e9 rizik\u00e1, nevyu\u017eit\u00fd potenci\u00e1l aj pr\u00edle\u017eitosti na zlep\u0161enie. Pom\u00e1ha zabezpe\u010di\u0165, aby jednotliv\u00e9 \u010dasti financi\u00ed spolu d\u00e1vali zmysel a fungovali ako jeden celok.<\/p>\n<p data-start=\"1015\" data-end=\"1187\">Audit nie je o ru\u0161en\u00ed v\u0161etk\u00e9ho, ale o istote, \u017ee va\u0161e financie s\u00fa nastaven\u00e9 spr\u00e1vne, efekt\u00edvne a s oh\u013eadom na bud\u00facnos\u0165. Je to d\u00f4le\u017eit\u00fd krok k finan\u010dn\u00e9mu pokoju a preh\u013eadu.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-mkebv4gt-94afb7f80475df3c8ab020d6ae711ba8-wrap avia-button-center  avia-builder-el-9  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/www.svet-financii.sk\/?page_id=632'  class='avia-button av-mkebv4gt-94afb7f80475df3c8ab020d6ae711ba8 av-link-btn avia-icon_select-yes-left-icon avia-size-x-large avia-position-center avia-color-orange'   aria-label=\"Chcem audit mojich zml\u00fav\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='book-open' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" viewBox=\"0 0 29 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>Book-open<\/title>\n<desc id='av-svg-desc-1'>Book-open<\/desc>\n<path d=\"M10.88 19.584v2.176l-6.4-2.56v-2.176zM10.88 12.928v2.176l-6.4-2.56v-2.176zM28.096 1.856q0.704 0.384 0.704 1.344v20.48q0 1.088-1.024 1.472l-12.736 5.12q-0.256 0.064-0.32 0.064t-0.16 0.032-0.16 0.032-0.16-0.032-0.16-0.032l-0.32-0.064-12.736-5.12q-1.024-0.384-1.024-1.472v-20.48q0-0.96 0.704-1.344 0.704-0.512 1.472-0.192l12.224 4.928 12.224-4.928q0.768-0.32 1.472 0.192zM12.8 27.072v-17.92l-10.24-4.096v17.92zM26.24 22.976v-17.92l-10.24 4.096v17.92zM24.32 17.024v2.176l-6.4 2.56v-2.176zM24.32 10.368v2.176l-6.4 2.56v-2.176z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Chcem audit mojich zml\u00fav<\/span><\/a><\/div><\/p><\/div><\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7gvkf-8dddbabb35085bd3ee1c96ce43afbb78\">\n.avia-section.av-m7gvkf-8dddbabb35085bd3ee1c96ce43afbb78{\nbackground-color:#f8f8f8;\nbackground-image:unset;\n}\n.avia-section.av-m7gvkf-8dddbabb35085bd3ee1c96ce43afbb78 .av-extra-border-element .av-extra-border-inner{\nbackground-color:#f8f8f8;\n}\n<\/style>\n<div id='av_section_2'  class='avia-section av-m7gvkf-8dddbabb35085bd3ee1c96ce43afbb78 main_color avia-section-large avia-no-border-styling  avia-builder-el-10  el_after_av_two_fifth  el_before_av_section  avia-bg-style-scroll av-arrow-down-section container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-7y1iv-2c22b4bb6ef2d61582fd8a0f355c1d1b sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7y1iv-2c22b4bb6ef2d61582fd8a0f355c1d1b\">\n.flex_column.av-7y1iv-2c22b4bb6ef2d61582fd8a0f355c1d1b{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-7y1iv-2c22b4bb6ef2d61582fd8a0f355c1d1b av_two_fifth  avia-builder-el-11  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lxkwr3-cdb663130fddf66f9caccab0570882f5\">\n#top .av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5{\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5 .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5 .av-subheading{\nfont-size:14px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lxkwr3-cdb663130fddf66f9caccab0570882f5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lxkwr3-cdb663130fddf66f9caccab0570882f5 av-special-heading-h3 blockquote modern-quote  avia-builder-el-12  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Znie ti to povedome?<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lqexpr-916b7e528f9f7127b03a77fba93e9353\">\n#top .hr.av-lqexpr-916b7e528f9f7127b03a77fba93e9353{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-lqexpr-916b7e528f9f7127b03a77fba93e9353 .hr-inner{\nwidth:50px;\nborder-color:#000000;\n}\n<\/style>\n<div  class='hr av-lqexpr-916b7e528f9f7127b03a77fba93e9353 hr-custom  avia-builder-el-13  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-llv0hb-4389b4c23588f3d34fba4b338e0fedaa '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li data-start=\"878\" data-end=\"921\">\n<p data-start=\"880\" data-end=\"921\">m\u00e1m viac zml\u00fav a netu\u0161\u00edm, \u010do presne kryj\u00fa<\/p>\n<\/li>\n<li data-start=\"922\" data-end=\"969\">\n<p data-start=\"924\" data-end=\"969\">podpisoval som ich v r\u00f4znych obdobiach \u017eivota<\/p>\n<\/li>\n<li data-start=\"970\" data-end=\"999\">\n<p data-start=\"972\" data-end=\"999\">plat\u00edm, ale nec\u00edtim sa ist\u00fd<\/p>\n<\/li>\n<li data-start=\"1000\" data-end=\"1035\">\n<p data-start=\"1002\" data-end=\"1035\">nechcem nie\u010do ru\u0161i\u0165, lebo \u201e\u010do ak\u201c<\/p>\n<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l844w7-79da7c479064a4dd2b15dc9f8a7b0530\">\n#top .hr.hr-invisible.av-l844w7-79da7c479064a4dd2b15dc9f8a7b0530{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-l844w7-79da7c479064a4dd2b15dc9f8a7b0530 hr-invisible  avia-builder-el-15  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-mkebz1s4-23dd64a000f89d7684e6aea3ca13af44 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>V\u00e4\u010d\u0161ina \u013eud\u00ed nem\u00e1 zl\u00e9 zmluvy.<br data-start=\"1077\" data-end=\"1080\" \/>M\u00e1 len zmluvy, ktor\u00fdm nerozumie.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kuubi7-2bc42c9a6b793699b576f0cd094339b2\">\n.flex_column.av-kuubi7-2bc42c9a6b793699b576f0cd094339b2{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-kuubi7-2bc42c9a6b793699b576f0cd094339b2 av_three_fifth  avia-builder-el-17  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><div  class='av-hotspot-image-container av-kox54f-aa2526ad3e82e31e4f8db5495823077d  avia-builder-el-18  avia-builder-el-no-sibling  av-hotspot-numbered av-permanent-tooltip avia_animated_image avia_animate_when_almost_visible fade-in av-mobile-fallback-active  av-non-fullwidth-hotspot-image'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='av-hotspot-container'><div class='av-hotspot-container-inner-cell'><div class='av-hotspot-container-inner-wrap'><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3489 avia-img-lazy-loading-not-3489 avia_image' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-1030x686.jpg\" alt='' title='Audit'  height=\"686\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-1030x686.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-300x200.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-768x512.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-705x470.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ncprl3-744919169cd262b5fc8acc038ad0573f\">\n.avia-section.av-ncprl3-744919169cd262b5fc8acc038ad0573f .av-extra-border-element .av-extra-border-inner{\nbackground-color:#ffffff;\n}\n<\/style>\n<div id='av_section_3'  class='avia-section av-ncprl3-744919169cd262b5fc8acc038ad0573f main_color avia-section-large avia-no-border-styling  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-bg-style-scroll av-arrow-down-section container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<section  class='av_textblock_section av-mkec77bz-c59c124a90aa9d2101d0ed1415849232 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Audit nie je predaj. Audit je preh\u013ead.<\/h2>\n<\/div><\/section>\n<div  class='flex_column av-hcvzyw-5bea6778b9aa78517f8da1246b73f748 av_one_half  avia-builder-el-21  el_after_av_textblock  el_before_av_one_half  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-mkclo0tz-f4388d7344152c796a31e622332ad8e8 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>\u010cO AUDIT NIE JE<\/h2>\n<\/div><\/section><br \/>\n<div  class='hr av-fkbjew-68f8f3360edb59ae3f7954f92b4920d9 hr-default  avia-builder-el-23  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-mkclontr-f051d4b9d7ff3fb9883b3bbc6476e001 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li data-start=\"1272\" data-end=\"1301\">\n<p data-start=\"1274\" data-end=\"1301\">h\u013eadanie ch\u00fdb za ka\u017ed\u00fa cenu<\/p>\n<\/li>\n<li data-start=\"1302\" data-end=\"1328\">\n<p data-start=\"1304\" data-end=\"1328\">tla\u010denie do nov\u00fdch zml\u00fav<\/p>\n<\/li>\n<li data-start=\"1329\" data-end=\"1360\">\n<p data-start=\"1331\" data-end=\"1360\">stra\u0161enie, \u017ee \u201ev\u0161etko je zle<\/p>\n<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div><div  class='flex_column av-euq448-74be4f2538302ae9e48e04cf53f9f0e4 av_one_half  avia-builder-el-25  el_after_av_one_half  avia-builder-el-last  flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-mkclp5cx-8b17108695082ba6f3be2160a6985d54 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>\u010cO AUDIT JE<\/h2>\n<\/div><\/section><br \/>\n<div  class='hr av-cqx7dk-bb7037a23f344fb549f977f5da3ce846 hr-default  avia-builder-el-27  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-mkclq16d-f3ed3a5bff6edc2b8b49b6d8540d3b00 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li data-start=\"1380\" data-end=\"1409\">\n<p data-start=\"1382\" data-end=\"1409\">vysvetlenie, \u010do m\u00e1\u0161 a pre\u010do<\/p>\n<\/li>\n<li data-start=\"1410\" data-end=\"1445\">\n<p data-start=\"1412\" data-end=\"1445\">identifik\u00e1cia zbyto\u010dnost\u00ed a riz\u00edk<\/p>\n<\/li>\n<li data-start=\"1446\" data-end=\"1475\">\n<p data-start=\"1448\" data-end=\"1475\">odpor\u00fa\u010dania, nie povinnosti<\/p>\n<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ea89tb-1ff6da265076290b8bb1ade7f37b4632\">\n.avia-section.av-ea89tb-1ff6da265076290b8bb1ade7f37b4632{\nbackground-color:#f1f1f1;\nbackground-image:unset;\n}\n<\/style>\n<div id='plugin-header'  class='avia-section av-ea89tb-1ff6da265076290b8bb1ade7f37b4632 main_color avia-section-no-padding avia-no-border-styling  avia-builder-el-29  el_after_av_section  el_before_av_tab_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-e3376n-4c96a7699d4144af07cc84d8c0b6d267\">\n#top .hr.hr-invisible.av-e3376n-4c96a7699d4144af07cc84d8c0b6d267{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-e3376n-4c96a7699d4144af07cc84d8c0b6d267 hr-invisible  avia-builder-el-30  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dyd59r-f8395b15da5d8441319c0281bee6ce87\">\n#top .av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87{\npadding-bottom:0;\nfont-size:40px;\n}\nbody .av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87 .av-special-heading-tag{\nfont-size:40px;\n}\n.av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-dyd59r-f8395b15da5d8441319c0281bee6ce87 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-dyd59r-f8395b15da5d8441319c0281bee6ce87 av-special-heading-h3 blockquote modern-quote modern-centered  avia-builder-el-31  el_after_av_hr  el_before_av_hr  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >\u010co si spolu naj\u010dastej\u0161ie prejdeme<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-duuawv-d0842b7149668bec4a87fed3b4d740fb\">\n#top .hr.av-duuawv-d0842b7149668bec4a87fed3b4d740fb{\nmargin-top:70px;\nmargin-bottom:40px;\n}\n.hr.av-duuawv-d0842b7149668bec4a87fed3b4d740fb .hr-inner{\nwidth:50px;\nborder-color:#000000;\n}\n<\/style>\n<div  class='hr av-duuawv-d0842b7149668bec4a87fed3b4d740fb hr-custom  avia-builder-el-32  el_after_av_heading  avia-builder-el-last  hr-center hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dok5pj-6c2c284aeac2351f0703e83a295732f6\">\n.av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-tab-section-tab-title-container{\nbackground-color:#f1f1f1;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-section-tab-title{\ncolor:#919191;\n}\n<\/style>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='plugins'  class='av-tab-section-container entry-content-wrapper main_color av-tab-slide-transition   av-tab-above-content  avia-builder-el-33  el_after_av_section  el_before_av_section  tab-section-not-first container_wrap fullsize'  ><div class='av-tab-section-outer-container av-dok5pj-6c2c284aeac2351f0703e83a295732f6'><div class='av-tab-section-tab-title-container avia-tab-title-padding-none av-custom-tab-color' role='tablist'><a href='#poistenia' data-av-tab-section-title='1' class='av-section-tab-title  av-asajb3-2ebb208a8592ab510eb198351da9c544 av-tab-with-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-1'><span class='av-tab-section-icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='docs' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\">\n<title id='av-svg-title-2'>Docs<\/title>\n<desc id='av-svg-desc-2'>Docs<\/desc>\n<path d=\"M31.040 11.84q1.216 0.32 0.96 1.472l-4.8 17.792q-0.128 0.512-0.576 0.736t-0.96 0.096l-12.992-3.52q-0.512-0.128-0.768-0.576t-0.128-0.896l0.768-2.944-5.76 1.536q-1.28 0.32-1.6-0.832l-5.12-19.264q-0.32-1.152 0.896-1.536l14.528-3.904q0.512-0.128 0.96 0.096t0.576 0.736l2.112 7.808zM2.624 5.76l4.608 17.344 12.544-3.392-4.608-17.28zM25.088 29.504l4.224-15.744-9.536-2.624 2.432 9.024q0.32 1.088-0.896 1.472l-6.272 1.664-0.832 3.264z\"><\/path>\n<\/svg><\/span><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Poistenia<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><a href='#hypotky-a-very' data-av-tab-section-title='2' class='av-section-tab-title  av-asajb3-21-67f78d62258fd569097474d473812f48 av-tab-with-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-2'><span class='av-tab-section-icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='home' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" viewBox=\"0 0 29 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-3' aria-describedby='av-svg-desc-3' role=\"graphics-symbol\">\n<title id='av-svg-title-3'>Home<\/title>\n<desc id='av-svg-desc-3'>Home<\/desc>\n<path d=\"M28.416 16.448q0.512 0.512 0.352 0.864t-0.864 0.352h-2.688v9.92q0 0.448-0.032 0.672t-0.256 0.416-0.736 0.192h-6.528v-9.92h-6.528v9.92h-6.208q-0.896 0-1.12-0.32t-0.224-0.96v-9.92h-2.688q-0.704 0-0.864-0.352t0.352-0.864l12.8-12.864q0.512-0.512 1.216-0.512t1.216 0.512z\"><\/path>\n<\/svg><\/span><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Hypot\u00e9ky a \u00favery<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><a href='#investin-zmluvy' data-av-tab-section-title='3' class='av-section-tab-title  av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c av-tab-with-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-3'><span class='av-tab-section-icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='chart-bar' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-4' aria-describedby='av-svg-desc-4' role=\"graphics-symbol\">\n<title id='av-svg-title-4'>Chart-bar<\/title>\n<desc id='av-svg-desc-4'>Chart-bar<\/desc>\n<path d=\"M24 1.6q0.704 0 1.152 0.48t0.448 1.12v27.2h-6.4v-27.2q0-1.6 1.28-1.6h3.52zM14.4 11.2q0.704 0 1.152 0.48t0.448 1.12v17.6h-6.4v-17.6q0-1.6 1.28-1.6h3.52zM4.8 20.8q0.704 0 1.152 0.48t0.448 1.12v8h-6.4v-8q0-1.6 1.28-1.6h3.52z\"><\/path>\n<\/svg><\/span><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Investi\u010dn\u00e9 zmluvy<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><a href='#star-zmluvy' data-av-tab-section-title='4' class='av-section-tab-title av-active-tab-title no-scroll av-asajb3-14-7-00e510c310128c39736a8567a0a7d339 av-tab-with-icon av-tab-no-image ' role='tab' tabindex='0' aria-controls='av-tab-section-1-4'><span class='av-tab-section-icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='doc-text-inv' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-5' aria-describedby='av-svg-desc-5' role=\"graphics-symbol\">\n<title id='av-svg-title-5'>Doc-text-inv<\/title>\n<desc id='av-svg-desc-5'>Doc-text-inv<\/desc>\n<path d=\"M19.2 1.6q1.344 0 2.272 0.928t0.928 2.272v22.4q0 1.28-0.928 2.24t-2.272 0.96h-16q-1.28 0-2.24-0.96t-0.96-2.24v-22.4q0-1.344 0.96-2.272t2.24-0.928h16zM4.48 8.256v2.816h13.44v-2.816h-13.44zM17.92 23.616v-2.816h-13.44v2.816h13.44zM17.92 17.344v-2.88h-13.376v2.88h13.376z\"><\/path>\n<\/svg><\/span><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Star\u00e9 zmluvy<\/span><\/span><span class=\"av-tab-arrow-container\"><span><\/span><\/span><\/a><\/div><div class='avia-slideshow-arrows av-tabsection-arrow' ><a href='#prev' class='prev-slide av_prev_tab_section av-tab-section-slide avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Sp\u00e4\u0165\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-6' aria-describedby='av-svg-desc-6' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-6'>Sp\u00e4\u0165<\/title>\n<desc id='av-svg-desc-6'>Sp\u00e4\u0165<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Sp\u00e4\u0165<\/span><\/a><a href='#next' class='next-slide av_next_tab_section av-tab-section-slide avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"\u010ealej\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-7' aria-describedby='av-svg-desc-7' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-7'>\u010ealej<\/title>\n<desc id='av-svg-desc-7'>\u010ealej<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>\u010ealej<\/span><\/a><\/div><div class='av-tab-section-inner-container avia-section-large' style='width:400vw; left:-300%;'><span class=\"av_prev_tab_section av_tab_navigation\"><\/span><span class=\"av_next_tab_section av_tab_navigation\"><\/span>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-asajb3-2ebb208a8592ab510eb198351da9c544\">\n.av-layout-tab.av-asajb3-2ebb208a8592ab510eb198351da9c544{\nvertical-align:middle;\nbackground-color:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-2ebb208a8592ab510eb198351da9c544{\ncolor:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-2ebb208a8592ab510eb198351da9c544 .avia-svg-icon svg:first-child{\nfill:#35383c;\nstroke:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-2ebb208a8592ab510eb198351da9c544 .av-tab-arrow-container span{\nbackground-color:#35383c;\n}\n<\/style>\n<div id='av-tab-section-1-1' class='av-layout-tab av-asajb3-2ebb208a8592ab510eb198351da9c544 av-animation-delay-container  avia-builder-el-34  el_before_av_tab_sub_section  avia-builder-el-first  ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"1\" data-tab-section-id=\"poistenia\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column_table av-ao4svj-fd52820051fe0fb7d019a93c1497a252 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ao4svj-fd52820051fe0fb7d019a93c1497a252\">\n.flex_column.av-ao4svj-fd52820051fe0fb7d019a93c1497a252{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ao4svj-fd52820051fe0fb7d019a93c1497a252 av_two_fifth  avia-builder-el-35  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ahqyyf-0fba8de934cd40dd69313f2bf585a834\">\n#top .av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834{\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:30px;\n}\nbody .av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ahqyyf-0fba8de934cd40dd69313f2bf585a834 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-36  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >\u010co kryj\u00fa, \u010do nekryj\u00fa a \u010di d\u00e1vaj\u00fa zmysel.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-abdms7-67abbbfaa62f5f71f25c77ff86d98e56\">\n#top .hr.av-abdms7-67abbbfaa62f5f71f25c77ff86d98e56{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-abdms7-67abbbfaa62f5f71f25c77ff86d98e56 .hr-inner{\nwidth:50px;\nborder-color:#ffffff;\n}\n<\/style>\n<div  class='hr av-abdms7-67abbbfaa62f5f71f25c77ff86d98e56 hr-custom  avia-builder-el-37  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a7dypr-21e48928895d85bab5134fdedfe31924\">\n#top .av_textblock_section.av-a7dypr-21e48928895d85bab5134fdedfe31924 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-a7dypr-21e48928895d85bab5134fdedfe31924 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none &#091;--shadow-height:45px&#093; has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) &#091;&#038;:has(&#091;data-writing-block&#093;)>*]:pointer-events-auto scroll-mt-[calc(var(\u2013header-height)+min(200px,max(70px,20svh)))]\u201c dir=\u201cauto\u201c tabindex=\u201c-1\u2033 data-turn-id=\u201crequest-695fc6f6-5238-8329-bbca-e6aeb891dd2a-8\u2033 data-testid=\u201cconversation-turn-112\u2033 data-scroll-anchor=\u201ctrue\u201c data-turn=\u201cassistant\u201c><\/p>\n<div class=\">\n<div class=\"&#091;--thread-content-max-width:40rem&#093; @w-lg\/main:&#091;--thread-content-max-width:48rem&#093; mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal &#091;.text-message+&#038;&#093;:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"98b81791-b3ed-4481-92ab-07e3ac579471\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-&#091;1px&#093;\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"66\" data-end=\"329\">Poistenie m\u00e1 chr\u00e1ni\u0165 vtedy, ke\u010f ho \u010dlovek skuto\u010dne potrebuje. Mnoh\u00ed \u013eudia v\u0161ak maj\u00fa uzatvoren\u00e9 poistn\u00e9 zmluvy bez toho, aby presne vedeli, <strong data-start=\"205\" data-end=\"284\">\u010do vlastne kryj\u00fa, \u010do nekryj\u00fa a \u010di zodpovedaj\u00fa ich dne\u0161nej \u017eivotnej situ\u00e1cii<\/strong>. Pr\u00e1ve preto m\u00e1 audit poisten\u00ed ve\u013ek\u00fd v\u00fdznam.<\/p>\n<p data-start=\"331\" data-end=\"724\">Audit poisten\u00ed nie je o h\u013eadan\u00ed ch\u00fdb ani o ru\u0161en\u00ed zml\u00fav za ka\u017ed\u00fa cenu. Je o porozumen\u00ed. Spolo\u010dne si prejdeme existuj\u00face poistenia a vysvetl\u00edme ich zrozumite\u013en\u00fdm jazykom \u2013 ak\u00e9 rizik\u00e1 s\u00fa kryt\u00e9, v ak\u00fdch situ\u00e1ci\u00e1ch pois\u0165ov\u0148a pln\u00ed a kde naopak krytie ch\u00fdba alebo je obmedzen\u00e9. \u010casto sa uk\u00e1\u017ee, \u017ee niektor\u00e9 rizik\u00e1 s\u00fa poisten\u00e9 zbyto\u010dne a in\u00e9, ove\u013ea d\u00f4le\u017eitej\u0161ie, s\u00fa poddimenzovan\u00e9 alebo \u00faplne ch\u00fdbaj\u00fa.<\/p>\n<p data-start=\"726\" data-end=\"1000\">\u017divot sa men\u00ed a poistenie by sa malo meni\u0165 s n\u00edm. In\u00e9 potreby m\u00e1 \u010dlovek bez z\u00e1v\u00e4zkov, in\u00e9 rodina s de\u0165mi a hypot\u00e9kou. Audit poisten\u00ed pom\u00e1ha zisti\u0165, \u010di zmluvy st\u00e1le d\u00e1vaj\u00fa zmysel, \u010di nie s\u00fa zastaran\u00e9 a \u010di skuto\u010dne chr\u00e1nia to, na \u010dom z\u00e1le\u017e\u00ed najviac \u2013 pr\u00edjem, rodinu a b\u00fdvanie.<\/p>\n<p data-start=\"1002\" data-end=\"1296\" data-is-last-node=\"\" data-is-only-node=\"\">V\u00fdsledkom auditu nie je tlak na zmenu, ale <strong data-start=\"1045\" data-end=\"1065\">preh\u013ead a istota<\/strong>. Klient presne vie, ako s\u00fa jeho poistenia nastaven\u00e9 a \u010do m\u00f4\u017ee v pr\u00edpade poistnej udalosti o\u010dak\u00e1va\u0165. A pr\u00e1ve to je d\u00f4vod, pre\u010do je audit poisten\u00ed d\u00f4le\u017eit\u00fd \u2013 aby poistenie nebolo len papierom, ale funk\u010dnou ochranou v re\u00e1lnom \u017eivote.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9yh6vj-7ad3b624988ffb3d980eda33fb13a5fb\">\n.flex_column.av-9yh6vj-7ad3b624988ffb3d980eda33fb13a5fb{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9yh6vj-7ad3b624988ffb3d980eda33fb13a5fb av_three_fifth  avia-builder-el-39  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9vwg53-bd4936251cab043d10356a8bdf0a73f7\">\n.avia-image-container.av-9vwg53-bd4936251cab043d10356a8bdf0a73f7 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9vwg53-bd4936251cab043d10356a8bdf0a73f7 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9vwg53-bd4936251cab043d10356a8bdf0a73f7 av-styling-no-styling avia-align-center  avia-builder-el-40  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3490 avia-img-lazy-loading-not-3490 avia_image ' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie-1030x607.jpg\" alt='' title='Poistenie'  height=\"607\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie-1030x607.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie-300x177.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie-768x452.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie-705x415.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Poistenie.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-asajb3-21-67f78d62258fd569097474d473812f48\">\n.av-layout-tab.av-asajb3-21-67f78d62258fd569097474d473812f48{\nvertical-align:middle;\nbackground-color:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-21-67f78d62258fd569097474d473812f48{\ncolor:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-21-67f78d62258fd569097474d473812f48 .avia-svg-icon svg:first-child{\nfill:#35383c;\nstroke:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-21-67f78d62258fd569097474d473812f48 .av-tab-arrow-container span{\nbackground-color:#35383c;\n}\n<\/style>\n<div id='av-tab-section-1-2' class='av-layout-tab av-asajb3-21-67f78d62258fd569097474d473812f48 av-animation-delay-container  avia-builder-el-41  el_after_av_tab_sub_section  el_before_av_tab_sub_section  ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"2\" data-tab-section-id=\"hypotky-a-very\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column_table av-ao4svj-20-9c120997605ffdd7ab4f00500960fdcb sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ao4svj-20-9c120997605ffdd7ab4f00500960fdcb\">\n.flex_column.av-ao4svj-20-9c120997605ffdd7ab4f00500960fdcb{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ao4svj-20-9c120997605ffdd7ab4f00500960fdcb av_two_fifth  avia-builder-el-42  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe\">\n#top .av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe{\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:30px;\n}\nbody .av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ahqyyf-19-a17039b4894032f40ca5e595e7132afe av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-43  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >\u00darok, fix\u00e1cia, rizik\u00e1 do bud\u00facna.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-abdms7-18-547215c663fc184addac28e3a95c24bb\">\n#top .hr.av-abdms7-18-547215c663fc184addac28e3a95c24bb{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-abdms7-18-547215c663fc184addac28e3a95c24bb .hr-inner{\nwidth:50px;\nborder-color:#ffffff;\n}\n<\/style>\n<div  class='hr av-abdms7-18-547215c663fc184addac28e3a95c24bb hr-custom  avia-builder-el-44  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a7dypr-17-6cad2d5801e43e0efd25987242c25765\">\n#top .av_textblock_section.av-a7dypr-17-6cad2d5801e43e0efd25987242c25765 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-a7dypr-17-6cad2d5801e43e0efd25987242c25765 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p data-start=\"79\" data-end=\"427\">Hypot\u00e9ka alebo \u00faver s\u00fa z\u00e1v\u00e4zky na dlh\u00e9 roky a aj mal\u00e9 rozdiely v \u00farokovej sadzbe \u010di podmienkach m\u00f4\u017eu v kone\u010dnom d\u00f4sledku znamena\u0165 <strong data-start=\"209\" data-end=\"230\">tis\u00edce eur navy\u0161e<\/strong>. Mnoh\u00ed \u013eudia v\u0161ak po podpise zmluvy prestan\u00fa svoje \u00favery sledova\u0165 a rie\u0161ia ich a\u017e v momente, ke\u010f sa bl\u00ed\u017ei koniec fix\u00e1cie alebo nastane probl\u00e9m. Pr\u00e1ve preto m\u00e1 audit hypot\u00e9ky a \u00faverov ve\u013ek\u00fd v\u00fdznam.<\/p>\n<p data-start=\"429\" data-end=\"729\">Audit nie je len o porovnan\u00ed \u00farokov\u00fdch sadzieb. Pozer\u00e1me sa na \u00faver komplexne \u2013 na v\u00fd\u0161ku spl\u00e1tky, typ \u00faroku, d\u013a\u017eku fix\u00e1cie, poplatky, sankcie, mo\u017enosti mimoriadnych spl\u00e1tok a flexibilitu do bud\u00facna. Cie\u013eom je zisti\u0165, <strong data-start=\"646\" data-end=\"728\">\u010di m\u00e1\u0161 \u00faver nastaven\u00fd v\u00fdhodne a \u010di zodpoved\u00e1 tvojej dne\u0161nej finan\u010dnej situ\u00e1cii<\/strong>.<\/p>\n<p data-start=\"731\" data-end=\"1052\">Porovn\u00e1vame aktu\u00e1lne podmienky na trhu a vyhodnocujeme, \u010di existuje priestor na zlep\u0161enie \u2013 \u010di u\u017e formou refinancovania, \u00fapravy podmienok alebo lep\u0161ieho nastavenia do \u010fal\u0161ieho obdobia. Z\u00e1rove\u0148 vysvet\u013eujeme rozdiely medzi ponukami zrozumite\u013ene, aby si presne vedel, \u010do jednotliv\u00e9 zmeny znamenaj\u00fa pre tvoj rodinn\u00fd rozpo\u010det.<\/p>\n<p data-start=\"1054\" data-end=\"1421\" data-is-last-node=\"\" data-is-only-node=\"\">Audit hypot\u00e9ky a \u00faverov ti d\u00e1 preh\u013ead a istotu, \u017ee neplat\u00ed\u0161 viac, ne\u017e je potrebn\u00e9, a \u017ee tvoj z\u00e1v\u00e4zok je nastaven\u00fd rozumne aj do bud\u00facnosti. Nejde o honbu za najni\u017e\u0161\u00edm \u00farokom za ka\u017ed\u00fa cenu, ale o <strong data-start=\"1249\" data-end=\"1316\">rovnov\u00e1hu medzi v\u00fdhodnou spl\u00e1tkou, rezervou a finan\u010dn\u00fdm pokojom<\/strong>. Preto\u017ee dobr\u00fd \u00faver nie je ten najlacnej\u0161\u00ed na papieri, ale ten, ktor\u00fd dlhodobo funguje v re\u00e1lnom \u017eivote.<\/p>\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none &#091;--shadow-height:45px&#093; has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) &#091;&#038;:has(&#091;data-writing-block&#093;)>*]:pointer-events-auto scroll-mt-[calc(var(\u2013header-height)+min(200px,max(70px,20svh)))]\u201c dir=\u201cauto\u201c tabindex=\u201c-1\u2033 data-turn-id=\u201crequest-695fc6f6-5238-8329-bbca-e6aeb891dd2a-9\u2033 data-testid=\u201cconversation-turn-114\u2033 data-scroll-anchor=\u201ctrue\u201c data-turn=\u201cassistant\u201c><\/p>\n<div class=\">\n<div class=\"&#091;--thread-content-max-width:40rem&#093; @w-lg\/main:&#091;--thread-content-max-width:48rem&#093; mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal &#091;.text-message+&#038;&#093;:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"025050f1-b934-4050-9227-be17db95f32b\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-&#091;1px&#093;\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9yh6vj-16-175aca71f26032925654e071da6de968\">\n.flex_column.av-9yh6vj-16-175aca71f26032925654e071da6de968{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9yh6vj-16-175aca71f26032925654e071da6de968 av_three_fifth  avia-builder-el-46  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9vwg53-15-6a1b02dd6a69c352db38b07c87ee3ef7\">\n.avia-image-container.av-9vwg53-15-6a1b02dd6a69c352db38b07c87ee3ef7 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9vwg53-15-6a1b02dd6a69c352db38b07c87ee3ef7 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9vwg53-15-6a1b02dd6a69c352db38b07c87ee3ef7 av-styling-no-styling avia-align-center  avia-builder-el-47  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3492 avia-img-lazy-loading-not-3492 avia_image ' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1-1030x686.jpg\" alt='' title='Hypoteka'  height=\"686\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1-1030x686.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1-300x200.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1-768x512.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1-705x470.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Hypoteka-1.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c\">\n.av-layout-tab.av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c{\nvertical-align:middle;\nbackground-color:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c{\ncolor:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c .avia-svg-icon svg:first-child{\nfill:#35383c;\nstroke:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c .av-tab-arrow-container span{\nbackground-color:#35383c;\n}\n<\/style>\n<div id='av-tab-section-1-3' class='av-layout-tab av-asajb3-14-28660ad33e1c5daf0ce1eeb5c5fa0c2c av-animation-delay-container  avia-builder-el-48  el_after_av_tab_sub_section  el_before_av_tab_sub_section  ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"3\" data-tab-section-id=\"investin-zmluvy\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column_table av-ao4svj-13-aaa1472c3a8b9a9e2a189629f7769f23 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ao4svj-13-aaa1472c3a8b9a9e2a189629f7769f23\">\n.flex_column.av-ao4svj-13-aaa1472c3a8b9a9e2a189629f7769f23{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ao4svj-13-aaa1472c3a8b9a9e2a189629f7769f23 av_two_fifth  avia-builder-el-49  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3\">\n#top .av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3{\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:30px;\n}\nbody .av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ahqyyf-12-c4b80015984bac9d46b3275da5970fe3 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-50  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Poplatky, nastavenie, zrozumite\u013enos\u0165.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-abdms7-11-04aca6f074a5e94fd308ce39a4eeef8f\">\n#top .hr.av-abdms7-11-04aca6f074a5e94fd308ce39a4eeef8f{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-abdms7-11-04aca6f074a5e94fd308ce39a4eeef8f .hr-inner{\nwidth:50px;\nborder-color:#ffffff;\n}\n<\/style>\n<div  class='hr av-abdms7-11-04aca6f074a5e94fd308ce39a4eeef8f hr-custom  avia-builder-el-51  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a7dypr-10-cfbdbe6146bd1911c81eac789bc16424\">\n#top .av_textblock_section.av-a7dypr-10-cfbdbe6146bd1911c81eac789bc16424 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-a7dypr-10-cfbdbe6146bd1911c81eac789bc16424 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p data-start=\"69\" data-end=\"352\">Mnoh\u00ed \u013eudia u\u017e investuj\u00fa, no len m\u00e1lokto presne vie, <strong data-start=\"122\" data-end=\"198\">ako s\u00fa jeho invest\u00edcie nastaven\u00e9, ak\u00fd maj\u00fa cie\u013e a \u010di st\u00e1le d\u00e1vaj\u00fa zmysel<\/strong>. Investi\u010dn\u00e9 rie\u0161enia \u010dasto vznikali v inom obdob\u00ed \u017eivota, pri in\u00fdch cie\u013eoch a v in\u00fdch trhov\u00fdch podmienkach. Pr\u00e1ve preto m\u00e1 audit invest\u00edci\u00ed ve\u013ek\u00fd v\u00fdznam.<\/p>\n<p data-start=\"354\" data-end=\"691\">Audit invest\u00edci\u00ed nie je o kritike minul\u00fdch rozhodnut\u00ed ani o h\u013eadan\u00ed ch\u00fdb za ka\u017ed\u00fa cenu. Je o porozumen\u00ed a kontrole. Spolo\u010dne si prejdeme existuj\u00face invest\u00edcie, vysvetl\u00edme ich \u0161trukt\u00faru, riziko, poplatky a \u010dasov\u00fd horizont. Zis\u0165ujeme, \u010di invest\u00edcie zodpovedaj\u00fa dne\u0161n\u00fdm cie\u013eom, tolerancii k riziku a tomu, kedy bud\u00fa peniaze re\u00e1lne potrebn\u00e9.<\/p>\n<p data-start=\"693\" data-end=\"1035\">Trhy sa vyv\u00edjaj\u00fa a \u017eivot sa men\u00ed. Invest\u00edcie, ktor\u00e9 d\u00e1vali zmysel pred desiatimi rokmi, nemusia by\u0165 vhodn\u00e9 dnes. Audit pom\u00e1ha odhali\u0165 neefekt\u00edvne nastavenia, zbyto\u010dn\u00e9 poplatky alebo rie\u0161enia, ktor\u00e9 u\u017e nezodpovedaj\u00fa aktu\u00e1lnej situ\u00e1cii. Z\u00e1rove\u0148 uk\u00e1\u017ee, \u010di invest\u00edcie plnia svoju \u00falohu \u2013 chr\u00e1ni\u0165 peniaze pred infl\u00e1ciou a budova\u0165 majetok dlhodobo.<\/p>\n<p data-start=\"1037\" data-end=\"1326\" data-is-last-node=\"\" data-is-only-node=\"\">V\u00fdsledkom auditu invest\u00edci\u00ed je <strong data-start=\"1068\" data-end=\"1101\">preh\u013ead, istota a odpor\u00fa\u010dania<\/strong>, nie tlak na zmenu. Klient presne vie, kde sa nach\u00e1dza, ak\u00e9 m\u00e1 mo\u017enosti a \u010do m\u00f4\u017ee urobi\u0165, aby jeho invest\u00edcie pracovali efekt\u00edvnej\u0161ie. Preto\u017ee investovanie by nemalo by\u0165 o n\u00e1hode, ale o pl\u00e1ne, ktor\u00fd m\u00e1 kontrolu a jasn\u00fd smer.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9yh6vj-9-711ca923a88c8c53f5672e6ec65222f1\">\n.flex_column.av-9yh6vj-9-711ca923a88c8c53f5672e6ec65222f1{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9yh6vj-9-711ca923a88c8c53f5672e6ec65222f1 av_three_fifth  avia-builder-el-53  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9vwg53-8-fc6b1b967e8c394637a601d67e81f4fe\">\n.avia-image-container.av-9vwg53-8-fc6b1b967e8c394637a601d67e81f4fe img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9vwg53-8-fc6b1b967e8c394637a601d67e81f4fe .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9vwg53-8-fc6b1b967e8c394637a601d67e81f4fe av-styling-no-styling avia-align-center  avia-builder-el-54  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3493 avia-img-lazy-loading-not-3493 avia_image ' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie-1030x686.jpg\" alt='' title='Audit investovanie'  height=\"686\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie-1030x686.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie-300x200.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie-768x512.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie-705x470.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-investovanie.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-asajb3-14-7-00e510c310128c39736a8567a0a7d339\">\n.av-layout-tab.av-asajb3-14-7-00e510c310128c39736a8567a0a7d339{\nvertical-align:middle;\nbackground-color:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-7-00e510c310128c39736a8567a0a7d339{\ncolor:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-7-00e510c310128c39736a8567a0a7d339 .avia-svg-icon svg:first-child{\nfill:#35383c;\nstroke:#35383c;\n}\n#top .av-tab-section-outer-container.av-dok5pj-6c2c284aeac2351f0703e83a295732f6 .av-active-tab-title.av-section-tab-title.av-asajb3-14-7-00e510c310128c39736a8567a0a7d339 .av-tab-arrow-container span{\nbackground-color:#35383c;\n}\n<\/style>\n<div id='av-tab-section-1-4' class='av-layout-tab av-asajb3-14-7-00e510c310128c39736a8567a0a7d339 av-animation-delay-container  avia-builder-el-55  el_after_av_tab_sub_section  avia-builder-el-last  av-active-tab-content __av_init_open ' data-av-deeplink-tabs=\"\" data-av-tab-section-content=\"4\" data-tab-section-id=\"star-zmluvy\"><div class=\"av-layout-tab-inner\"><div class=\"container\"><p><div class='flex_column_table av-ao4svj-13-6-9ce37c4e1d8f934f94d0e21710d893d8 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ao4svj-13-6-9ce37c4e1d8f934f94d0e21710d893d8\">\n.flex_column.av-ao4svj-13-6-9ce37c4e1d8f934f94d0e21710d893d8{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ao4svj-13-6-9ce37c4e1d8f934f94d0e21710d893d8 av_two_fifth  avia-builder-el-56  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676\">\n#top .av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676{\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:30px;\n}\nbody .av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ahqyyf-12-5-db7f912dbd789259ceee0a68c0b88676 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-57  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Uzavret\u00e9 <span class='special_amp'>\u201e<\/span>lebo sa to vtedy robilo<span class='special_amp'>\u201c<\/span><\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-abdms7-11-4-cacfc0b0170217e297598e4488a2560f\">\n#top .hr.av-abdms7-11-4-cacfc0b0170217e297598e4488a2560f{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-abdms7-11-4-cacfc0b0170217e297598e4488a2560f .hr-inner{\nwidth:50px;\nborder-color:#ffffff;\n}\n<\/style>\n<div  class='hr av-abdms7-11-4-cacfc0b0170217e297598e4488a2560f hr-custom  avia-builder-el-58  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a7dypr-10-3-93122186f1b9c2990e94badac612cb82\">\n#top .av_textblock_section.av-a7dypr-10-3-93122186f1b9c2990e94badac612cb82 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-a7dypr-10-3-93122186f1b9c2990e94badac612cb82 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p data-start=\"74\" data-end=\"342\">Mnoh\u00e9 finan\u010dn\u00e9 zmluvy vznikli v obdob\u00ed, ke\u010f bolo d\u00f4le\u017eit\u00e9 \u201enie\u010do ma\u0165 uzatvoren\u00e9\u201c. \u010casto bez hlb\u0161ieho vysvetlenia, bez dlhodob\u00e9ho pl\u00e1nu a v \u00faplne inej \u017eivotnej situ\u00e1cii, ne\u017e v akej sa \u010dlovek nach\u00e1dza dnes. Pr\u00e1ve tak\u00e9to star\u00e9 zmluvy si zasl\u00fa\u017eia <strong data-start=\"317\" data-end=\"341\">pozornos\u0165 a kontrolu<\/strong>.<\/p>\n<p data-start=\"344\" data-end=\"687\">Kontrola star\u00fdch zml\u00fav nie je o h\u013eadan\u00ed ch\u00fdb ani o kritike minul\u00fdch rozhodnut\u00ed. Je o tom zisti\u0165, <strong data-start=\"441\" data-end=\"485\">\u010di tieto zmluvy e\u0161te st\u00e1le d\u00e1vaj\u00fa zmysel<\/strong>, \u010di plnia svoju funkciu a \u010di s\u00fa nastaven\u00e9 v s\u00falade s dne\u0161n\u00fdmi potrebami. Mnohokr\u00e1t sa uk\u00e1\u017ee, \u017ee zmluvy s\u00fa zastaran\u00e9, nepreh\u013eadn\u00e9 alebo obsahuj\u00fa podmienky, ktor\u00e9 u\u017e klientovi neprin\u00e1\u0161aj\u00fa re\u00e1lnu hodnotu.<\/p>\n<p data-start=\"689\" data-end=\"986\">Pri audite sa pozer\u00e1me na to, \u010do zmluva re\u00e1lne rie\u0161i, ak\u00e9 rizik\u00e1 kryje, ak\u00e9 m\u00e1 poplatky a \u010di zapad\u00e1 do celkov\u00e9ho finan\u010dn\u00e9ho obrazu. \u010casto sa stret\u00e1vame so zmluvami, ktor\u00e9 vznikli len preto, aby \u201ebolo nie\u010do uzatvoren\u00e9\u201c, no dnes u\u017e nechr\u00e1nia to, \u010do je skuto\u010dne d\u00f4le\u017eit\u00e9 \u2013 pr\u00edjem, rodinu a bud\u00facnos\u0165.<\/p>\n<p data-start=\"988\" data-end=\"1311\" data-is-last-node=\"\" data-is-only-node=\"\">Cie\u013eom kontroly nie je zru\u0161i\u0165 v\u0161etko star\u00e9 a za\u010da\u0165 odznova, ale <strong data-start=\"1052\" data-end=\"1088\">urobi\u0165 poriadok a z\u00edska\u0165 preh\u013ead<\/strong>. Klient v\u010faka auditu presne vie, ktor\u00e9 zmluvy maj\u00fa zmysel ponecha\u0165, ktor\u00e9 je vhodn\u00e9 upravi\u0165 a ktor\u00e9 u\u017e stratili opodstatnenie. Preto\u017ee financie by nemali fungova\u0165 zo zvyku, ale pod\u013ea pl\u00e1nu, ktor\u00fd zodpoved\u00e1 dne\u0161n\u00e9mu \u017eivotu.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9yh6vj-9-2-6a537b6d1fbce5342550b3b2dd80b07b\">\n.flex_column.av-9yh6vj-9-2-6a537b6d1fbce5342550b3b2dd80b07b{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9yh6vj-9-2-6a537b6d1fbce5342550b3b2dd80b07b av_three_fifth  avia-builder-el-60  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9vwg53-8-1-2b5c8ed9f5d066e837bfc4b90ffa9db0\">\n.avia-image-container.av-9vwg53-8-1-2b5c8ed9f5d066e837bfc4b90ffa9db0 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9vwg53-8-1-2b5c8ed9f5d066e837bfc4b90ffa9db0 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9vwg53-8-1-2b5c8ed9f5d066e837bfc4b90ffa9db0 av-styling-no-styling avia-align-center  avia-builder-el-61  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3494 avia-img-lazy-loading-not-3494 avia_image ' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy-1030x686.jpg\" alt='' title='Stare zmluvy'  height=\"686\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy-1030x686.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy-300x200.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy-768x512.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy-705x470.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Stare-zmluvy.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-iq4rig-ab626c90fdeb08fc2eb78442ec47f22b\">\n.avia-section.av-iq4rig-ab626c90fdeb08fc2eb78442ec47f22b{\nbackground-color:#f8f8f8;\nbackground-image:unset;\n}\n.avia-section.av-iq4rig-ab626c90fdeb08fc2eb78442ec47f22b .av-extra-border-element .av-extra-border-inner{\nbackground-color:#f8f8f8;\n}\n<\/style>\n<div id='av_section_5'  class='avia-section av-iq4rig-ab626c90fdeb08fc2eb78442ec47f22b main_color avia-section-large avia-no-border-styling  avia-builder-el-62  el_after_av_tab_section  el_before_av_section  avia-bg-style-scroll av-arrow-down-section container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-gvvnbc-694511b0f3883c488307c8fa83ca8b92 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-gvvnbc-694511b0f3883c488307c8fa83ca8b92\">\n.flex_column.av-gvvnbc-694511b0f3883c488307c8fa83ca8b92{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-gvvnbc-694511b0f3883c488307c8fa83ca8b92 av_two_fifth  avia-builder-el-63  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ff3zyw-43c866b91f934f29b47d8b5c0d817034\">\n#top .av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034{\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 .av-subheading{\nfont-size:14px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ff3zyw-43c866b91f934f29b47d8b5c0d817034 av-special-heading-h2 blockquote modern-quote  avia-builder-el-64  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >AKO AUDIT PREBIEHA (KROK ZA KROKOM)<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ef6x1k-1f03e4c0a096a31f29291765085058e9\">\n#top .hr.av-ef6x1k-1f03e4c0a096a31f29291765085058e9{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-ef6x1k-1f03e4c0a096a31f29291765085058e9 .hr-inner{\nwidth:50px;\nborder-color:#000000;\n}\n<\/style>\n<div  class='hr av-ef6x1k-1f03e4c0a096a31f29291765085058e9 hr-custom  avia-builder-el-65  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-c3onqg-b3147323dd368f904bef59e3898f23cd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><section class=\"av_textblock_section av-llv0hb-4389b4c23588f3d34fba4b338e0fedaa \">\n<div class=\"avia_textblock\">\n<p data-start=\"2006\" data-end=\"2065\">Jednoducho a bez stresu<\/p>\n<p data-start=\"2006\" data-end=\"2065\"><strong data-start=\"2006\" data-end=\"2024\">Zber zml\u00fav<\/strong><br data-start=\"2024\" data-end=\"2027\" \/>Po\u0161le\u0161 n\u00e1m zmluvy, ktor\u00e9 chce\u0161 prejs\u0165.<\/p>\n<p data-start=\"2067\" data-end=\"2128\"><strong data-start=\"2067\" data-end=\"2082\">Anal\u00fdza<\/strong><br data-start=\"2082\" data-end=\"2085\" \/>Pozrieme sa na ne v kontexte tvojho \u017eivota.<\/p>\n<p data-start=\"2130\" data-end=\"2180\"><strong data-start=\"2130\" data-end=\"2149\">Vysvetlenie<\/strong><br data-start=\"2149\" data-end=\"2152\" \/>\u013dudskou re\u010dou. Bez skratiek.<\/p>\n<p data-start=\"2130\" data-end=\"2180\"><strong data-start=\"2182\" data-end=\"2201\">Odpor\u00fa\u010dania<\/strong><br data-start=\"2201\" data-end=\"2204\" \/>\u010co necha\u0165, \u010do upravi\u0165, \u010do rie\u0161i\u0165 nesk\u00f4r.<\/p>\n<p data-start=\"2130\" data-end=\"2180\">Rozhodnutie je v\u017edy na tebe.<\/p>\n<\/div>\n<\/section>\n<section class=\"av_textblock_section av-lfywof-a8f62e5f77935ec37040ab72b76e4068 \">\n<div class=\"avia_textblock\"><\/div>\n<\/section>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bk2fco-20b5ea1aa826f71ad3c9074cc89d963e\">\n#top .hr.hr-invisible.av-bk2fco-20b5ea1aa826f71ad3c9074cc89d963e{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-bk2fco-20b5ea1aa826f71ad3c9074cc89d963e hr-invisible  avia-builder-el-67  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8w52d4-1e98ee1cf390e0934ccf61bd196aca88\">\n.flex_column.av-8w52d4-1e98ee1cf390e0934ccf61bd196aca88{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-8w52d4-1e98ee1cf390e0934ccf61bd196aca88 av_three_fifth  avia-builder-el-68  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-sub-av-853k2g-0ccfdbe00f40b363283627ddb4a89c77\">\n.av-hotspot-image-container .av-image-hotspot.av-68q4yg-ce779d32769541d0afabc45b8263924d{\ntop:21.2%;\nleft:28.5%;\n}\n.av-hotspot-image-container .av-image-hotspot.av-68q4yg-ce779d32769541d0afabc45b8263924d .av-image-hotspot_inner{\nbackground-color:#22689e;\ncolor:#ffffff;\n}\n.av-hotspot-image-container .av-image-hotspot.av-68q4yg-ce779d32769541d0afabc45b8263924d .av-image-hotspot-pulse{\nbackground-color:#22689e;\n}\n.av-hotspot-image-container .av-image-hotspot.av-4k9crc-99d18d106464db5e53bb6cc3ef49d058{\ntop:76%;\nleft:55.6%;\n}\n.av-hotspot-image-container .av-image-hotspot.av-4k9crc-99d18d106464db5e53bb6cc3ef49d058 .av-image-hotspot_inner{\nbackground-color:#22689e;\ncolor:#ffffff;\n}\n.av-hotspot-image-container .av-image-hotspot.av-4k9crc-99d18d106464db5e53bb6cc3ef49d058 .av-image-hotspot-pulse{\nbackground-color:#22689e;\n}\n.av-hotspot-image-container .av-image-hotspot.av-2920yw-dd1bf214ddfbccd1fa8fbc777ec62431{\ntop:22.7%;\nleft:87.4%;\n}\n.av-hotspot-image-container .av-image-hotspot.av-2920yw-dd1bf214ddfbccd1fa8fbc777ec62431 .av-image-hotspot_inner{\nbackground-color:#22689e;\ncolor:#ffffff;\n}\n.av-hotspot-image-container .av-image-hotspot.av-2920yw-dd1bf214ddfbccd1fa8fbc777ec62431 .av-image-hotspot-pulse{\nbackground-color:#22689e;\n}\n<\/style>\n<div  class='av-hotspot-image-container av-853k2g-0ccfdbe00f40b363283627ddb4a89c77  avia-builder-el-69  avia-builder-el-no-sibling  av-hotspot-numbered av-permanent-tooltip avia_animated_image avia_animate_when_almost_visible fade-in av-mobile-fallback-active  av-non-fullwidth-hotspot-image'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='av-hotspot-container'><div class='av-hotspot-container-inner-cell'><div class='av-hotspot-container-inner-wrap'><div class='av-image-hotspot av-68q4yg-ce779d32769541d0afabc45b8263924d av-image-hotspot-1 av-permanent-tooltip' data-avia-tooltip-position='top' data-avia-tooltip-alignment='centered' data-avia-tooltip-class='av-tt-large-width av-tt-pos-above av-tt-align-centered  av-mobile-fallback-active  av-permanent-tooltip-single  main_color av-tooltip-shadow av-tt-hotspot' data-avia-tooltip='&lt;p&gt;H\u013abkov\u00e1 kontrola&lt;\/p&gt;\n'><div class='av-image-hotspot_inner'>1<\/div><div class='av-image-hotspot-pulse'><\/div><\/div><div class='av-image-hotspot av-4k9crc-99d18d106464db5e53bb6cc3ef49d058 av-image-hotspot-2 av-permanent-tooltip' data-avia-tooltip-position='left' data-avia-tooltip-alignment='top' data-avia-tooltip-class='av-tt-large-width av-tt-pos-left av-tt-align-top  av-mobile-fallback-active  av-permanent-tooltip-single  main_color av-tooltip-shadow av-tt-hotspot' data-avia-tooltip='&lt;p&gt;Porovnanie rie\u0161en\u00ed&lt;\/p&gt;\n'><div class='av-image-hotspot_inner'>2<\/div><div class='av-image-hotspot-pulse'><\/div><\/div><div class='av-image-hotspot av-2920yw-dd1bf214ddfbccd1fa8fbc777ec62431 av-image-hotspot-3 av-permanent-tooltip' data-avia-tooltip-position='top' data-avia-tooltip-alignment='centered' data-avia-tooltip-class='av-tt-large-width av-tt-pos-above av-tt-align-centered  av-mobile-fallback-active  av-permanent-tooltip-single  main_color av-tooltip-shadow av-tt-hotspot' data-avia-tooltip='&lt;p&gt;Na\u0161e odpor\u00fa\u010danie&lt;\/p&gt;\n'><div class='av-image-hotspot_inner'>3<\/div><div class='av-image-hotspot-pulse'><\/div><\/div><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3495 avia-img-lazy-loading-not-3495 avia_image' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my-1030x649.jpg\" alt='' title='Audit a my'  height=\"649\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my-1030x649.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my-300x189.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my-768x484.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my-705x444.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Audit-a-my.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><div class='av-hotspot-fallback-tooltip av-image-hotspot-1 av-permanent-tooltip'><div class=\"av-hotspot-fallback-tooltip-count\">1<div class=\"avia-arrow\"><\/div><\/div><div class=\"av-hotspot-fallback-tooltip-inner clearfix\"><p>\nH\u013abkov\u00e1 kontrola<\/p>\n<\/div><\/div><div class='av-hotspot-fallback-tooltip av-image-hotspot-2 av-permanent-tooltip'><div class=\"av-hotspot-fallback-tooltip-count\">2<div class=\"avia-arrow\"><\/div><\/div><div class=\"av-hotspot-fallback-tooltip-inner clearfix\"><p>\nPorovnanie rie\u0161en\u00ed<\/p>\n<\/div><\/div><div class='av-hotspot-fallback-tooltip av-image-hotspot-3 av-permanent-tooltip'><div class=\"av-hotspot-fallback-tooltip-count\">3<div class=\"avia-arrow\"><\/div><\/div><div class=\"av-hotspot-fallback-tooltip-inner clearfix\"><p>\nNa\u0161e odpor\u00fa\u010danie<\/p>\n<\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-20g0kn-78aac0fe418f32ac21638b8416482fbc\">\n.avia-section.av-20g0kn-78aac0fe418f32ac21638b8416482fbc{\nbackground-color:#ffffff;\nbackground-image:unset;\n}\n.avia-section.av-20g0kn-78aac0fe418f32ac21638b8416482fbc .av-extra-border-element .av-extra-border-inner{\nbackground-color:#ffffff;\n}\n<\/style>\n<div id='av_section_6'  class='avia-section av-20g0kn-78aac0fe418f32ac21638b8416482fbc main_color avia-section-large avia-no-border-styling  avia-builder-el-70  el_after_av_section  el_before_av_section  avia-bg-style-scroll av-arrow-down-section container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-jw8yxz-41c400784e9a4ce2433b1d35d154f081 sc-av_three_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jw8yxz-41c400784e9a4ce2433b1d35d154f081\">\n.flex_column.av-jw8yxz-41c400784e9a4ce2433b1d35d154f081{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-jw8yxz-41c400784e9a4ce2433b1d35d154f081 av_three_fifth  avia-builder-el-71  el_before_av_two_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><div  class='av-hotspot-image-container av-jtn1rr-63d76ece5bf5cc183909f263ebc72265  avia-builder-el-72  avia-builder-el-no-sibling  av-hotspot-numbered av-permanent-tooltip avia_animated_image avia_animate_when_almost_visible fade-in av-mobile-fallback-active  av-non-fullwidth-hotspot-image'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='av-hotspot-container'><div class='av-hotspot-container-inner-cell'><div class='av-hotspot-container-inner-wrap'><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3496 avia-img-lazy-loading-not-3496 avia_image' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie-1030x580.jpg\" alt='' title='Vysvetlenie'  height=\"580\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie-1030x580.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie-300x169.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie-768x433.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie-705x397.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Vysvetlenie.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jbn78n-6479b11b301ef7338306e644c58d34cd\">\n.flex_column.av-jbn78n-6479b11b301ef7338306e644c58d34cd{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-jbn78n-6479b11b301ef7338306e644c58d34cd av_two_fifth  avia-builder-el-73  el_after_av_three_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1wuatj-7e952e7292511284078ddd030c5dbe6c\">\n#top .av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c{\npadding-bottom:0;\ncolor:#000000;\nfont-size:30px;\n}\nbody .av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .special-heading-inner-border{\nborder-color:#000000;\n}\n.av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1wuatj-7e952e7292511284078ddd030c5dbe6c .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1wuatj-7e952e7292511284078ddd030c5dbe6c av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-74  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >NAJ\u010cASTEJ\u0160IE CHYBY, KTOR\u00c9 ODHAL\u00cd AUDIT<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ixstvr-78aaedb20bd03510976c6a22c6567889\">\n#top .hr.av-ixstvr-78aaedb20bd03510976c6a22c6567889{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-ixstvr-78aaedb20bd03510976c6a22c6567889 .hr-inner{\nwidth:50px;\nborder-color:#000000;\n}\n<\/style>\n<div  class='hr av-ixstvr-78aaedb20bd03510976c6a22c6567889 hr-custom  avia-builder-el-75  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-1uv4bj-e24920f4143dc97cbea3b5444fc421d4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>\u010co sa v zmluv\u00e1ch objavuje naj\u010dastej\u0161ie<\/p>\n<ul>\n<li data-start=\"2398\" data-end=\"2417\">\n<p data-start=\"2400\" data-end=\"2417\">duplicitn\u00e9 krytia<\/p>\n<\/li>\n<li data-start=\"2418\" data-end=\"2435\">\n<p data-start=\"2420\" data-end=\"2435\">vysok\u00e9 poplatky<\/p>\n<\/li>\n<li data-start=\"2436\" data-end=\"2481\">\n<p data-start=\"2438\" data-end=\"2481\">zmluvy, ktor\u00e9 nezodpovedaj\u00fa dne\u0161n\u00e9mu \u017eivotu<\/p>\n<\/li>\n<li data-start=\"2482\" data-end=\"2516\">\n<p data-start=\"2484\" data-end=\"2516\">d\u00f4le\u017eit\u00e9 veci, ktor\u00e9 tam ch\u00fdbaj\u00fa<\/p>\n<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-iekqrb-bd4a1231278080861d4ebcb8954d1990\">\n#top .hr.hr-invisible.av-iekqrb-bd4a1231278080861d4ebcb8954d1990{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-iekqrb-bd4a1231278080861d4ebcb8954d1990 hr-invisible  avia-builder-el-77  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bhkm88-438d010116674c9f3c56b84cbd3853b5\">\n.avia-section.av-bhkm88-438d010116674c9f3c56b84cbd3853b5{\nbackground-color:#f8f8f8;\nbackground-image:unset;\n}\n.avia-section.av-bhkm88-438d010116674c9f3c56b84cbd3853b5 .av-extra-border-element .av-extra-border-inner{\nbackground-color:#f8f8f8;\n}\n<\/style>\n<div id='av_section_7'  class='avia-section av-bhkm88-438d010116674c9f3c56b84cbd3853b5 main_color avia-section-large avia-no-border-styling  avia-builder-el-78  el_after_av_section  el_before_av_one_full  avia-bg-style-scroll av-arrow-down-section container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-9pkazc-3355b3eca2f68ec9e6ad11e83d58eac4 sc-av_two_fifth av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9pkazc-3355b3eca2f68ec9e6ad11e83d58eac4\">\n.flex_column.av-9pkazc-3355b3eca2f68ec9e6ad11e83d58eac4{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9pkazc-3355b3eca2f68ec9e6ad11e83d58eac4 av_two_fifth  avia-builder-el-79  el_before_av_three_fifth  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a\">\n#top .av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a{\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a .av-special-heading-tag{\nfont-size:30px;\n}\n.av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a .av-subheading{\nfont-size:14px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mkcl6kza-f805fdd666c774b2b306e578c86cb59a av-special-heading-h3 blockquote modern-quote  avia-builder-el-80  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Zmluvy nemusia by\u0165 tajomstvo<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7dm6oo-633e5e02755e79dd7d10590740eacb51\">\n#top .hr.av-7dm6oo-633e5e02755e79dd7d10590740eacb51{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-7dm6oo-633e5e02755e79dd7d10590740eacb51 .hr-inner{\nwidth:50px;\nborder-color:#000000;\n}\n<\/style>\n<div  class='hr av-7dm6oo-633e5e02755e79dd7d10590740eacb51 hr-custom  avia-builder-el-81  el_after_av_heading  el_before_av_textblock  hr-left hr-icon-no'><span class='hr-inner inner-border-av-border-fat'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-mkcl6ykf-472f13e7eec03871f64af09b3658c2a7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Audit ti d\u00e1 odpovede, nie nov\u00e9 ot\u00e1zky. Bez tlaku na zmenu a bez z\u00e1v\u00e4zkov.<\/p>\n<p data-start=\"3066\" data-end=\"3076\">\u010co z\u00edska\u0161:<\/p>\n<ul data-start=\"3077\" data-end=\"3147\">\n<li data-start=\"3077\" data-end=\"3092\">\n<p data-start=\"3079\" data-end=\"3092\">jasn\u00fd preh\u013ead<\/p>\n<\/li>\n<li data-start=\"3093\" data-end=\"3119\">\n<p data-start=\"3095\" data-end=\"3119\">zrozumite\u013en\u00e9 vysvetlenie<\/p>\n<\/li>\n<li data-start=\"3120\" data-end=\"3147\">\n<p data-start=\"3122\" data-end=\"3147\">odpor\u00fa\u010dania pod\u013ea prior\u00edt<\/p>\n<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kk63c-e7d758c0365ea34a9d8d8ae010f38e94\">\n#top .hr.hr-invisible.av-kk63c-e7d758c0365ea34a9d8d8ae010f38e94{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-kk63c-e7d758c0365ea34a9d8d8ae010f38e94 hr-invisible  avia-builder-el-83  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3n6ako-760539d78aa71afc8c2bd5ec649e106d\">\n.flex_column.av-3n6ako-760539d78aa71afc8c2bd5ec649e106d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-3n6ako-760539d78aa71afc8c2bd5ec649e106d av_three_fifth  avia-builder-el-84  el_after_av_two_fifth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><div  class='av-hotspot-image-container av-mkcl9hc1-14d989edef81e668d99d14f2d120fa59  avia-builder-el-85  avia-builder-el-no-sibling  av-hotspot-numbered av-permanent-tooltip avia_animated_image avia_animate_when_almost_visible fade-in av-mobile-fallback-active  av-non-fullwidth-hotspot-image'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='av-hotspot-container'><div class='av-hotspot-container-inner-cell'><div class='av-hotspot-container-inner-wrap'><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3497 avia-img-lazy-loading-not-3497 avia_image' src=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-1030x1030.jpg\" alt='' title='Odporu\u010danie'  height=\"1030\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-1030x1030.jpg 1030w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-300x300.jpg 300w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-80x80.jpg 80w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-768x768.jpg 768w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-36x36.jpg 36w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-180x180.jpg 180w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie-705x705.jpg 705w, https:\/\/www.svet-financii.sk\/wp-content\/uploads\/2026\/01\/Odporucanie.jpg 1280w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div><div id='after_section_7'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3485'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-30ngrc-859f49f52c1d5f9339e50ecf2deeef59 av_one_full  avia-builder-el-86  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><section  class='av_textblock_section av-mkcmu9pv-7657cbb98ae29dd99a602ffa87908393 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h4 style=\"text-align: center;\">Audit jednoducho<\/h4>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-mkcmwjjf-ed2318e03290145cb4618ee8f80ba9e7-wrap avia-button-center  avia-builder-el-88  el_after_av_textblock  el_before_av_textblock '><a href='https:\/\/www.svet-financii.sk\/?page_id=632'  class='avia-button av-mkcmwjjf-ed2318e03290145cb4618ee8f80ba9e7 av-link-btn avia-icon_select-yes-left-icon avia-size-x-large avia-position-center avia-color-orange'   aria-label=\"Chcem audit mojich zml\u00fav\"><span class='avia_button_icon avia_button_icon_left avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='back-in-time' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"32\" viewBox=\"0 0 30 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-8' aria-describedby='av-svg-desc-8' role=\"graphics-symbol\">\n<title id='av-svg-title-8'>Back-in-time<\/title>\n<desc id='av-svg-desc-8'>Back-in-time<\/desc>\n<path d=\"M17.024 2.88q5.44 0 9.248 3.84t3.808 9.28-3.808 9.28-9.248 3.84q-4.416 0-8.064-2.816l2.24-2.432q2.624 1.92 5.824 1.92 4.032 0 6.912-2.88t2.88-6.912q0-4.096-2.88-6.976t-6.912-2.88q-3.968 0-6.816 2.752t-2.976 6.72h4.544l-5.888 6.592-5.888-6.592h3.968q0.128-5.312 3.936-9.024t9.12-3.712zM15.872 8.96h2.24v6.528l4.16 4.16-1.6 1.6-4.8-4.8v-7.488z\"><\/path>\n<\/svg><\/span><span class='avia_iconbox_title' >Chcem audit mojich zml\u00fav<\/span><\/a><\/div><br \/>\n<section  class='av_textblock_section av-mkcmx2ht-484d660b02471a0d4082832283d177cf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\" data-start=\"3163\" data-end=\"3221\"><em>Ak netreba ni\u010d meni\u0165, povieme to<\/em><\/p>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3925,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-3485","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/pages\/3485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3485"}],"version-history":[{"count":5,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/pages\/3485\/revisions"}],"predecessor-version":[{"id":3841,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/pages\/3485\/revisions\/3841"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=\/wp\/v2\/media\/3925"}],"wp:attachment":[{"href":"https:\/\/www.svet-financii.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}