Annika Echarti

I started tutoring almost 20 years ago and have been enjoying teaching ever since. By now, I have taught and coached individuals as well as small groups at all levels of education and maturity—from high school to Master’s programs to adult clients in my financial coaching business. My educational path led me to start out in the shipping industry. While I lived in Santiago de Chile, I worked with people from all around the globe, always managing a budget and negotiating prices with international companies. Later I worked as a project manager, where I oversaw, established and implemented processes in all branches worldwide. I gathered and led numerous project teams from international departments making sure that all important knowledge got considered. I created project plans and documentation, motivated everyone when things got hard, educated teams about company systems, and troubleshot problems as they arose. It was crucial to meet every team-member where they were at and invited them into the process, a skill that I had learned when I was teaching small groups during university. I became passionate about personal finance when I started my first full-time position. To understand how investing works I first asked my friends for help, but I realized that no one had any knowledge so I started googling, reading books, etc. Soon, I became the expert of my friend group, and they started recommending me to their friends. In 2022, I took a big leap: I quit my job and started my own financial coaching business where I meet my clients online and in person. Helping mostly self-employed and small business owners to organize their finances in alignment with their goals and values which showed me again how much I truly enjoy helping people to understand their finances. Doing this job, I learned quickly that knowledge itself is not enough to change behavior. This is why I am dedicating a whole part of the coaching on behavioral finance and the psychology of financial behavior, which helps my clients to understand and adapt their actions