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 stop worrying about the future.

Active planning of your finances and capital

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Do you want to have a clear vision of your finances?

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Do you want to make smart financial decisions and not miss a single opportunity?

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Do you want to secure the financial future of your loved ones in case something happens to you?

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Do you want to maintain your current standard of living at your retirement?

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Do you 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 remain safe.

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I am Kristina Baikova, your financial expert in the Netherlands

Financial planner

Graduated with honours MSc MBA University of Antwerp and Financial Planning in Rotterdam/Utrecht

Economist with 15 years of experience in Europe

Certified Financial Planner PFP

Entrepreneur, speaker

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, learn how to save, invest and manage finances. There are certain events in life that affect your financial situation. What decisions to make? We discuss, analyze, optimize and plan together.

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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, leave the business, get married or divorced? Retire, sell or transfer the business by inheritance? These events have a big impact on your personal and business finances.

What are the decisions to make and what are the consequences of such decisions. Together we discuss, analyze, optimize and plan.

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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? Do you want to learn how to write reports, understand them and make the right business decisions based not only on intuition but also on numbers? Do you want to improve financial results in general?

Together we discuss, analyze, optimize and plan. We create a clear working system for your business.

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Drawing up a business plan

Planning and control of income/expenses

Profit maximization

Budgeting

Liquidity planning / cash flow

How do I 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.

SIGN UP

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.

FILL IN THE FORM

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.

SEND A REQUEST

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.

SIGN UP

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.

FILL IN THE FORM

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.

SEND A REQUEST

03 Independent work

READ ALL REVIEWS

Reviews

Elena

I was very interested in the issue of pensions. How the system works, what kind of pension I can apply for and whether there are opportunities to replenish it. Kristina helped me sort out these issues. I opened a retirement investment account, Kristina did the calculations for me and we made a plan of action for the coming years. I'm sorry I didn't get back sooner, but better late than never.

Tanya and Richard

We decided to get married and we had questions regarding the prenuptial agreement, the purchase of joint housing as well as retirement accounts and inheritance in the event of the death of one of the spouses. We are very glad that we were able to discuss these issues with Kristina. We believe that in marriage there are financial obligations to each other. It is better to discuss them in advance and make the right agreements.

Polina

I have been planning to open my own business for a long time. I read various sources, studied aspects. But the confusion only intensified. Kristina helped me decide on the form of ownership (I now have zzp). As a person who has never been connected with finance and business, I had no idea how to organize everything, what to pay attention to. Together we wrote a small business plan and laid the foundation that helped me launch my project and begin to navigate the financial aspects of the business. I still turn to Kristina for advice when I need to solve a particular issue.
Moreover, Kristina helped me deal with pension funds and the possibility of buying a home in the Netherlands.