I help individuals, families, and entrepreneurs manage personal finances, plan for retirement, and build sustainable strategies for life and business

Your financial expert № 1 in the Netherlands for expats and immigrants

Kristina Baikova

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ACTIVE PLANNING OF YOUR FINANCES AND CAPITAL

Financial matters abroad can be complex. I will help you manage your wealth, plan for retirement, and feel confident in the Netherlands

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Challenges with taxes and savings in the Netherlands

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No clear financial strategy — money is available but disappears quickly

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You want confidence in your family’s and children’s future, but don’t know where to start

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Questions about retirement planning in the Netherlands remain unanswered

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Planning to transition from employment to entrepreneurship, but don’t know how to structure your personal and business finances

Why Choose Me

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Financial planning in clear language with real results

Graduated with distinction MSc MBA from the University of Antwerp and completed the Financial Planning program in Utrecht

Certified Financial Planner with international experience

Over 10 years of experience in financial planning, investments, and business

WFT Basis and WFT Vermogen licenses confirm my qualifications in the Netherlands

Always work in a structured way and focus on tangible results

Provide consultations in Russian, English, and Dutch

That is why I have never limited myself to working only in consulting. I am actively involved in a wide variety of projects:

As a member of supervisory boards, where I take part in making strategically important decisions

As a project manager in municipal initiatives, where finance is directly linked to social goals and supporting people

As a speaker at conferences, where I share practical cases and inspire the audience to see money from a new perspective

As a lecturer in finance and business courses, where I teach not just how to calculate, but how to see opportunities and choose one’s own path

It is important for me to be not only an expert but also a person of action. I enjoy projects where logic and creativity, strategy and genuine communication come together. Where finance becomes part of a real story — the story of people, companies, and communities

«The best time to take care of your finances was yesterday; the second best time is today»

Queries for a financial expert in the Netherlands

Over 10 years of experience in financial planning, investments, and business. Personalized strategies tailored to your goals

Financial planning

Analysis of your current situation and a step-by-step plan to achieve your goals: savings, investments, housing, children’s education

Wealth management

Asset optimization, investments, preservation, and growth of capital

Retirement planning

Preparation for retirement in the Netherlands: calculations, savings strategy, choice of instruments

Solutions for family and children

Family budget planning, preparation for key life events: childbirth, education, mortgage

Career transition: from employee to entrepreneur

Clarity regarding current and future income and assets. Steps to achieve business goals and implement personal plans

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My goal is to turn your finances from chaos into a clear, organized system. The process is structured step by step:

Analysis of the current situation

Goal setting

Strategy development

Implementation and support

We review your current situation: income, expenses, assets, and liabilities

Together, we define what you want to achieve

I create a personalized financial plan: budgeting, wealth management, and tax optimization

We implement the solutions and adjust the strategy as your life or regulations change

MY WORK FORMATS

Analysis of the current situation, strategy development, and a step-by-step plan to achieve your goals

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Financial planning

Online or in-person at the Rotterdam office

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Solutions for specific issues: taxes, retirement, business, personal finances

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Individual consultation

Online or in-person at the Rotterdam office

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Guidance and development of habits that help you manage money confidently and build a sustainable future

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Financial mentorship

Online or in-person at the Rotterdam office

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The cost of individual work depends on the specific project, your situation, and the request you bring. Based on my experience, I can provide an estimated cost

Pricing

Hourly rate — €195 excl. VAT
for individuals and entrepreneurs

Polina

I had been planning to start my own business for a long time. I read various sources and studied different aspects, but the confusion in my mind only grew. Kristina helped me decide on the type of ownership (I currently have a ZZP). As someone who had never been involved with finance or business, I had no idea how to organize everything or what to pay attention to. Together, we created a small business plan and laid a foundation that helped me launch my project and start navigating the financial aspects of the business. I still consult Kristina whenever I need advice on specific issues.
Moreover, Kristina helped me understand pension funds and the possibility of buying property in the Netherlands.

Tania and Richard

We decided to get married and had questions regarding a prenuptial agreement, buying property together, as well as pension accounts and inheritance arrangements in the event of one spouse’s death. We are very glad we were able to discuss these matters with Kristina. We believe that marriage creates financial obligations to each other, and it’s best to discuss them in advance and make the right arrangements.

Elena

I was very interested in the topic of retirement—how the system works, what pension I am entitled to, and whether there are ways to increase it. Kristina helped me understand these questions. I opened a retirement investment account, Kristina did the calculations for me, and together we created an action plan for the coming years. I really regret not reaching out sooner, but better late than never.