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About

Heli Lehtsaar-Karma has worked on financial education topics since year 2010 and is a co-founder of non-profit Rahatarkus. She has designed and taught financial education and career advice courses for schools, teachers, career advisors, adult learners and at workplaces. She has created teaching resources for various target groups both in print and online. Heli has edited five workbooks about investments and insurance for non-profit organization Baltic Financial Advisors Association (BFAA). Heli has Bachelor’s degree in public administration and Master´s degree in social sciences. She has passed an EU course on financial advice.



This project has been funded with support from the European Commission. This publication [content] reflects the views only of the author, and the Commission cannot be held responsible for any use which may be made of the information contained therein.

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Project Coordination

Prof. Dr. Kristof De Witte [email protected]
Prof. Dr. Oliver Holz [email protected]

Katholieke Universiteit Leuven
Prof. Dr. Kristof De Witte & Prof. Dr. Oliver Holz
Naamsestraat 69, 3000 Leuven
BELGIUM