NLEN

Financial planner · Builder of client journeys · Columnist

If you get it, you choose better.

Over twenty years in mortgages and financial planning, combined with what technology now genuinely makes possible. I work with developers on advice that is more accessible, more efficient and easier for clients. I do this for my own ventures as well as for others.

Portrait photo of Hendrik Schakel

Chemist, economist, runner. Gets going when others drop out.

20+ yearsMortgages & financial planning
CFP® · EFA · WftMortgages, Pensions, Wealth, Income

How can I help you?

Money explained

Mortgages, wealth and pensions in plain language.

A selection of interviews, explainers and columns from recent years, mostly from my time at Viisi Hypotheken. See all my publications since 2008 here →

In conversation with the lender · Obvion episode

At Viisi Hypotheken we felt it mattered to show the faces behind the mortgage labels. So we produced the series 'In conversation with the lender', in which I interviewed 15 lenders together with my colleague Frank Tukker.

Watch the whole series ↗

Explaining the 2025 Spring Memorandum

My regular breakdown of Budget Day, the Spring Memorandum and election manifestos: what does politics in The Hague mean for your mortgage and your wallet?

For years I also made regular interest-rate updates for a broad audience. You can find it all on Viisi Hypotheken's YouTube channel.

Columns & articles

Since 2011 I have written columns and analyses for outlets including Het Financieele Dagblad, NRC, Trouw, AMweb, VVP and Vastgoedmarkt, often about the strange effects of laws and regulation, advice quality and the future of the profession. A selection:

All AMweb columns ↗

Regular Budget Day reflections, in 2025 also as a podcast with the Federation of Financial Planners.

What I'm working on

Good advice, for more people.

For years you had to choose: good advice or affordable advice. You couldn't have both, because good advice takes hours. Now you can. I can't imagine a better moment to reinvent this profession.

Hendrik Schakel at his computer

Quality & efficiency

Less admin. At least as much personal contact.

Good advice is labour-intensive, for client and adviser alike. AI takes over the admin; the time with the client stays, and grows.

Traditional advice± 20 hours
personal contact 4 hadmin/overhead 16 h
New client journeytarget: ± 8 hours
personal contact 5 hadmin/overhead 1 hAI 2 h

Schematic view. Every process is different.

My approach

What the machine doesReading documents, checking data, working out scenarios, comparing, recording. Within the Dutch Wft and GDPR, with your data securely managed.
What the person doesUnderstanding what you really want, weighing up, choosing, explaining and standing behind the advice.
OutcomeTop quality that scales, and advice you understand.

Where you can see it

Four projects, live or in pilot.

Advice file · The De V. family1/14
✓ 23 documents reviewed✓ 4 scenarios worked out✓ Wft lending standards checked✓ 11 lenders compared
Choose scenario 2, but don't make extra repayments: your buffer comes first. I'll explain on Thursday.
H. Schakel

Automating advice means automating responsibility too. That is why every design I make accounts for:

  • Quality
  • Laws and regulations
  • Scalability
  • Interaction with clients

I'd love to connect with entrepreneurs, advisers and decision-makers who want to move in the same direction.

Founders & boards

From idea to scalable business.

Are you an entrepreneur, decision-maker or engineer working on better and more accessible financial advice? Then I'd be glad to explore whether we can strengthen each other. I work best in environments where smart people pursue worthwhile goals and where my experience and drive make a difference.

There are many ways to do that: taking on a strategic project together, as a member of an advisory board or supervisory board, or by building a venture together. I'd love to connect!

Hendrik Schakel giving a presentation
What I bringClient journeys with AI and people · Entering the Dutch market, including for international players · Advice quality and duty of care · Growth from zero to scale
Current rolesAdvisory Board Rentberry · Dutch Federation of Financial Planners · Lindenhaeghe, Permanent Actueel
IndependentSold my Viisi shares in 2026 CFP®, EFA, Wft
AvailabilityBy arrangement · Dutch, English, German and Spanish
Viisi Hypotheken · 2010–2026

From the kitchen table to 45 employees.

Situation

MLP withdrew from the Netherlands; the market for independent advice to highly educated professionals was wide open.

My contribution

Co-founder; responsible for compliance, marketing and the development of financial-planning advice. Applied AI in day-to-day work: from AI days and content to social media and processing advice conversations.

Thousands of positive reviews. In 2026 I sold my shares to my co-founders, who continue running the company.

0 → 45Employees
±2,000Clients per year
€6–7MAnnual revenue
FD GazelleFast grower
Great Place to WorkEmployer
Shares sold2026 · Independent

Advisory Board Rentberry (2026–present)

Situation

A proptech platform digitising the entire rental process, aiming to grow internationally.

My contribution

Advice on international expansion and platform optimisation.

Role

I advise on using the landlord platform and the AI agent, and on the Mexican, Dutch and European rental and housing markets.

How I work

I'm analytical and critical, but not theoretical for theory's sake. I look for the core of a question, make assumptions explicit, and then build something that can be tested in practice.

  • Understand first, then automate
  • Make uncertainty visible
  • Don't confuse complexity with quality
  • From analysis to a working solution
Voices

What clients say

“Because he kept most of the bank's nonsense away from us, he was invited to our housewarming.”
Client · mortgage advice
“Exceptionally good at explaining complicated financial subjects in plain language.”
Client · mortgage advice
CV

Curriculum Vitae

At a glance
  • Financial services
  • Mortgages & financial planning
  • Strategy & entrepreneurship
  • Innovation & AI
  • Advisory & product development
  • Leadership & stakeholder management
  • Compliance and advice quality
Experience
September 2026 – present

Practical translator & ambassador, Permanent Actueel

Lindenhaeghe

Translating the Permanent Actueel articles into practice. Contribution to the Prinsjesdag Totaaloverzicht 2026 (tax and housing).

July 2026 – present

Advisory Board Member

Rentberry

Advice on international expansion and platform optimisation for a proptech digitising the rental process.

2010 – 2026

Co-founder

Viisi Hypotheken · Amsterdam

Financial planning for highly educated professionals: transparent, independent, personal. Roles: compliance, marketing and financial planning. From 0 to 45 employees and ±2,000 clients a year; €6–7M annual revenue. In 2026 I sold my shares to my co-founders, who continue running the company.

2011 – present

Freelance columnist

Independent

Columns and analyses in Het Financieele Dagblad, NRC, Trouw, Amweb and VVP. Regular Budget Day reflections (in 2025 also as a podcast with the FFP).

2003 – 2010

Senior Financial Consultant

MLP Private Finance · Amsterdam

Built the Dutch branch of MLP AG. Advice and acquisition in financial planning for highly educated professionals.

Education
1998 – 2002

MSc Economics (with distinction)

University of Amsterdam
1995 – 2000

MSc Chemistry

University of Amsterdam
Sep 1999 – Aug 2000

Erasmus year · economics, history, political science

Freie Universität Berlin
Certifications
  • CFP® Certified Financial Planner (FFP)
  • Certified Financial Adviser (EFA · SEH)
  • Wft diplomas: Mortgages, Pensions, Wealth, Income, Basic
  • Certificate of Proficiency in English (Cambridge, 2009)
About

Personal

I live in Amsterdam but also feel at home in Rotterdam, where I lived for three years. I'm also regularly in Mexico City, where my wife Edelmira is from. Outside work I run and cycle, play football at Wartburgia, and enjoy reading about history and science. Curiosity and the urge to truly understand things drive me.

Hendrik Schakel running the Amsterdam Marathon
Amsterdam half marathon in under 1½ hours, done. Proud as a peacock.
Get in touch

Shall we get acquainted?

Loading availability…

Get in touch

A question or a proposal? Fill in the form and we'll talk.