Kristina Baikova
Financial expert in the Netherlands. For over 10 years, I have been combining financial, legal, and tax expertise to help expats and immigrants navigate the Dutch system with confidence
As a financial expert in the Netherlands, I strive to help preserve and grow capital, unlock new opportunities, and plan a confident future for you and your family
I believe that people should not lose money due to a lack of financial literacy
Finances made simple: my expertise for your confidence
About me
For over 10 years, I have been working in business, finance, and wealth management. My expertise lies in helping expats and immigrants in the Netherlands — from retirement planning and investments to inheritance and savings for children
I earned master’s degrees in business and finance in Belgium and the Netherlands, as well as certifications in FFP, WFT Basis, and WFT Vermogen. This background allows me to combine financial, tax, and legal expertise into a single strategy tailored to each client’s goals
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
I know how challenging it can be to navigate life in a new country. My mission is to make finances for expats transparent, clear, and manageable
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
Finance is not just about numbers. It’s about confidence, freedom, and quality of life. That’s why I support my clients not as a one-time consultant, but as a financial partner, guiding and assisting them step by step
My Approach
I believe in building long-term relationships where the client’s interests are at the center
My goal is to be a trusted advisor in critical moments and help plan a prosperous future
If you are looking for a financial expert in the Netherlands who speaks Russian, English, and Dutch, understands your needs, and provides concrete solutions — I would be happy to help
Let’s get to know each other better
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Chamber of Commerce: 84134011 VAT number: NL003916788B42
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