Kristina Baikova
Learn how to save, invest and manage money
Life is full of unexpected turns, but I will help you make the right decisions now and not worry about the future.
Active planning of your finances and capital
01
Want to have a clear vision of your finances?
02
Want to make smart financial decisions and not miss a single opportunity?
03
Want to secure the financial future of your loved ones if something happens to you?
04
Want to maintain your current standard of living after retirement?
05
Want to transfer your assets optimally and hassle-free?
Then I will help you structure and optimize your finances, taking into account your family, financial and tax situation.
Together, we will think about protecting and transferring your personal and professional assets.
I will help you avoid unpleasant surprises now and in the future.
Thanks to joint planning, you can be sure that your capital will be and will remain safe.
I am Kristina Baikova, your financial expert in the Netherlands
Financial planner
Economist with 10 years of experience in Europe
Graduated with honours MSc MBA from the University of Antwerp and Financial Planning in Utrecht
CFP(Certified Financial Planner) candidate
Candidate WFT vermogen
Member of the Kring financial planners association
Let's get acquainted
«Start investing in yourself, because this is the source of your wealth.»
Personal finance
How to understand personal finance, build a system, and learn how to save, invest and manage finances. There are certain events in life that affect your financial situation. What decisions to make? Together we discuss, analyze, optimize and plan.
Buying a home and getting a mortgage
Marriage, prenuptial agreement
Dismissal
Becoming an individual entrepreneur
Childbirth
Pension contributions, taxes
Finance for Entrepreneurs
Do you want to work for yourself or leave the business, get married or divorce as an entrepreneur? Retire, sell or transfer the business by inheritance. These events have a big impact on your personal and business finances.

What decision to make and what consequences will it bear? Together we discuss, analyze, optimize and plan.
Starting a business, forms of ownership
Financing and financial planning
Family situation and entrepreneurship
Risk and insurance
Profits, dividends, taxes
Entrepreneurs' pension, social payments
Closing a business
Business finance
Do you dream of moving from chaos in business to accounting and control over finances? Do you want to create a clear working system for yourself and your business? Learn how to write reports, understand them and make the right business decisions based not only on intuition but also on numbers? Improve financial results in general?

Together we discuss, analyze, optimize and plan. We create a clear working system for your business.
Drawing up a business plan
Planning and control of income/expenses
Profit maximization
Budgeting
Liquidity planning / cash flow
How do I work
01 Financial
     planning
02 Individual
     consultation
03 Independent
     work
The work is based on the principle of financial mentoring.
We start by auditing your current situation, setting a goal and finding the best solutions.
Further, we meet periodically, as many changes take place in life. We discuss and see if what we thought about before is relevant and correct it if necessary.
Together we monitor and analyze the results.
I work offline in an office in Rotterdam or online.
One-time consultation, where we solve a specific request.
If it doesn’t work out at once, then I warn you in advance, and we agree on 2-3 consultations.
Please fill out the form below to describe your problem or questions.
I work offline in an office in Rotterdam or online.
You can start working on your finances on your own.
On my site, you will find useful articles, checklists, and webinar recordings.
You can leave your request below and my assistant will send you links to materials that may be suitable for you.
The work is based on the principle of financial mentoring.
We start by auditing your current situation, setting a goal and finding the best solutions.
Further, we meet periodically, as many changes take place in life. We discuss and see if what we thought about before is relevant and correct it if necessary.
Together we monitor and analyze the results.
I work offline in an office in Rotterdam or online.
01 Financial planning
One-time consultation, where we solve a specific request.
If it doesn’t work out at once, then I warn you in advance, and we agree on 2-3 consultations.
Please fill out the form below to describe your problem or questions.
I work offline in an office in Rotterdam or online.
02 Individual consultation
You can start working on your finances on your own.
On my site, you will find useful articles, checklists, and webinar recordings.
You can leave your request below and my assistant will send you links to materials that may be suitable for you.
03 Independent work
Reviews
Анна Иванова, Нидерланды
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum
Анна Иванова, Нидерланды
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum
Анна Иванова, Нидерланды
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum
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«The best time to take care of finances was yesterday, the second-best is today.»
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Individual consultation
Financial planning
duration of the first consultation 15 minutes
consultation duration 1 hour
You choose the date of consultation convenient for you in my calendar
After registration, you will receive an email with a link to pay for the consultation.
You choose a date convenient for you for a free 15-minute meeting in my calendar
After the meeting, I send a link to pay for the first month of financial mentoring
At the meeting we discuss your goals and expectations
Individual consultation
consultation duration 1 hour
You choose the date of consultation convenient for you in my calendar
After registration, you will receive an email with a link to pay for the consultation.
Financial planning
duration of the first consultation 15 minutes
You choose a date convenient for you for a free 15-minute meeting in my calendar
After the meeting, I send a link to pay for the first month of financial mentoring
At the meeting we discuss your goals and expectations
Start working on your finances on your own
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