I am Rares Bagyo and I am here to

Empower your journey to financial freedom

Pick a program

Finances are messy, boring, and complicated.

How is your relationship with money? Let me guess: stress? guilt? overspending? not investing much?

It’s time to change that.

I simplify investments & financial management

I work with high performers to re-engineer their relationship with money, control their budgets, and skyrocket their wealth. This includes founders, expats, startups, and solopreneurs, but not only.

  • Ex-investment banker
  • TEDx speaker
  • Over 10 years of experience in personal & corporate budgeting
  • Holds 3 academic degrees in finance & management
  • Certified coach

Financial & coaching programs

Whether you're just starting out or looking to fine-tune your finances, I'm here to accelerate your journey.

As a high-performing individual, you’re excelling at what you do best! Managing your finances and growing your wealth requires a different skill set. I’m here to make your financial journey profitable, time-efficient, and smooth.

An advanced program on building your financial independence and structuring your business.
You learn from scratch how to invest your savings, control your money and optimize your costs.
Gain clarity and build actionable plans for your career, finances and business.
Money is one of the most boring subjects on earth. But what if it could be exciting for you, your team, and your audience? Here’s how I can make it engaging and impactful:
Make money talk an open subject in your community.
Gain clarity and build actionable plans in your business.
Learn how to handle your cash, income and costs in your business.
Gear your colleagues with relevant skills for their financial wellbeing.
Do you love in-person learning as much as I do? I enjoy meeting regularly with my community members, and you’re invited too!
Give yourself the space to design your next year—your finances and your goals.
Learn how to choose and trade your first investment fund with no prior investment knowledge required.
The place where you isolate to take care of your wealth. You will explore stocks, funds, commodities, and bonds.
A holistic approach to investing in real estate in Cluj-Napoca and Romania.
You’d like to start somewhere. Here are a few directions
a seminar on how to build the foundation of your budget before you start investing.
A tool that tracks your assets, you liquidities, debt and net worth.
Learn how to structure your startup’s financial processes with a collaborative, done-with-you approach.
The seminar on learning how to craft your new year’s goals.
The seminar you need on crafting your early retirement strategy.
Learn about the 4% rule in investing.
See all programs

With a proud community of 500+ alumni

I am finally relaxed with my financial goals and habits after implementing sound strategies that I’ve learned through the program. One of the biggest advantages of FIRE for me is the networking inside the group - the conversations always lead to inspiring ideas.
Constantin Masca
FIRE Mastermind member
FIRE Mastermind is more than just making money; it’s about connections with cool people and having the relief that if you are in doubt, there is FIRE to ask questions and get answers. So, FIRE is more than just learning and investing; it is friendship, support, and it is essential to have it in your life.
Oana Muresan
FIRE Mastermind member
Even though business was good, I had a continuous feeling of unrest when it came to my monthly budget. After the third session with Rareș, I managed to gain a full perspective on my finances. What I appreciate most about Rareș is that, unlike other coaches and consultants, he is so empathetic and non-judgmental that I felt really comfortable sharing my situation.
Cristian Moldovan
Wealth Masterclass Alumni
The experience was outstanding from start to finish.As a performer, Rares exceeded our expectations. His presentation was engaging, informative, and delivered with a clear passion for the subject matter. The audience was captivated from start to finish and responded very positively. The communication and planning were excellent. He was incredibly professional and responsive throughout the entire process, ensuring that all details were meticulously handled.
Mariana Napuri
Event planner
The communication leading up to the event was on point, and he arrived with a presentation that exceeded our expectations. Rares managed to establish a great connection with the audience, who actively took notes on the many advice he provided.
Mads Gottenborg
Event planner
My main challenge was living from paycheck to paycheck and not being able to understand why. The masterclass enabled me to structure my income and my habits and align them with my goals. I've been applying it for 3 months now and I can see progress towards achieving my goals, I know exactly where my money is going and what I am spending it on.
Teodora Carneanu
Wealth Masterclass Alumni
To be honest, I really wish I had done it sooner. When you're an entrepreneur, you have so many responsibilities, and it's very easy to focus entirely on your business while neglecting yourself. I can hardly believe I'm saying this, but after taking the masterclass, I actually enjoy budgeting. I love knowing what every single euro is doing, and now I invest regularly. It gives me peace of mind knowing that my wealth is on a growth trajectory. The masterclass helped me beyond my expectations.
Cristian Anton
Wealth Masterclass Alumni
After a process of professional self-discovery, I managed to find an ideal field for my personality and skills. I have doubled my income by identifying the right career for me. He brought a deep understanding of the issues I faced, a keen mind that always knows where to look deeper to find answers, and an open and welcoming attitude that inspires trust and confidence. I have nothing but words of gratitude for Rareș.
Constantin Masca
Executive Coaching client
I learned invaluable skills in budgeting, understanding investments, and creating a personalized financial plan. It enabled me to take control of my financial future.
Daniela Stircu
Wealth Masterclass Alumni