Take charge of your financial stability today with institutional backing.
We provide new digital tools for the strategic management of your savings.
Discover how thousands of Peruvian entrepreneurs are optimising their surplus capital with guidance from our public-finance specialists.
From San Isidro we support professionals, merchants and families in Lima, Arequipa, Trujillo, Cusco and Piura to build sustainable financial habits, understand the formal instruments of the Peruvian system and plan their future with confidence.
What you will learn with Kozmari
A structured programme, written in Peruvian Spanish, aligned with the country's economic reality.
Personal financial diagnosis
We assess your income in soles, your debts within the Peruvian financial system and your real monthly savings capacity.
Smart household budget
Learn how to allocate your expenses considering the Peruvian basic basket, BCRP inflation and your AFP or ONP contributions.
Formal and secure savings
Discover formal and secure mechanisms to strengthen your wealth using instruments regulated by the SBS.
Responsible investing
Sovereign bonds, mutual funds from Peruvian SAFIs and term deposits: how to choose based on your risk profile.
Credit without overindebtedness
Rates, TCEA, fees and credit-bureau reports: make decisions with clear, comparable information.
Retirement planning
Project your retirement combining AFP, ONP and voluntary long-term savings mechanisms.
Four stages, one goal: your financial peace of mind
1. Diagnosis
Complete a confidential initial assessment about your income, expenses and 3-, 5- and 10-year goals.
2. Personalised plan
A specialist in Peruvian finance designs a roadmap tailored to your family and professional reality.
3. Ongoing guidance
Monthly virtual sessions and downloadable materials in Spanish to apply what you have learned.
4. Annual review
Every year we revisit your plan considering changes in the Peruvian economy and in your personal life.
Voices of those who already transformed their finances
Real cases from participants in Metropolitan Lima and the provinces.
I had four credit cards and lived postponing debts. In six months I sorted out my budget and started saving 15% of my salary.
I understood how the TCEA really works and switched my car loan to a better option. I saved more than S/ 6,400 in interest.
I have run my small grocery shop for 12 years. With Kozmari I learned to separate the business cash from my family's economy.
Take the first step today
Financial freedom begins with organised information and informed decisions. Start with our free newsletter and build, step by step, the stability your family deserves.
Get started now