Global Financial Success Through Precision and Expertise

Financial Consulting

Corporate Finance and Strategic Advisory

In my Corporate Finance and Strategic Advisory services, I focus on helping businesses build a strong financial foundation. I provide thorough risk assessment to identify and address potential challenges, allowing companies to make informed decisions with confidence.


My goal is to improve the financial health of the business by analyzing current financial practices and implementing strategies that enhance stability and growth. My approach is practical, results-oriented, and tailored to meet the unique needs of each business.

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Strategic Expertise

My experience as an actuary and financial consultant in the insurance and fintech industries has given me a strong understanding of risk and the importance of strategic planning. I draw on this experience to help companies manage risks effectively, ensuring that their financial strategies are both ambitious and sustainable.

Balanced Guidance

I provide insights on how to balance growth with caution, helping businesses make informed decisions that protect their assets and support steady expansion. My approach emphasizes careful analysis, realistic goal-setting, and proactive risk management. I believe in building a strong foundation based on accuracy.

Dr. Holger Bartel: Certified Financial Professional

I am Dr. Holger Bartel, CEO and co-founder of RealRate and DigiOptions, and a lifelong entrepreneur and innovator in fintech and insurtech. I have built my career around using technology to bring transparency, trust, and accessibility to financial markets.


My experience includes serving as Head of Life Insurance Mathematics at Gothaer and leading ALM, Risk Modelling, and Embedded Value at ERGO Group AG. Currently, I lead RealRate, an AI-driven rating agency based in Santa Clara and Germany. RealRate is the first rating agency to use Explainable AI (XAI) to provide fully transparent and understandable financial ratings.


I am also a certified actuary by the German Association of Actuaries, which reinforces my expertise in actuarial science and commitment to professional excellence. My academic background in statistics, mathematics, and business has been instrumental in shaping my approach to risk and finance.

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Six Pillars of Success

I bring decades of experience in corporate finance, financial management, and financial audit, ensuring your business stays financially strong.
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Proven Expertise
I have a proven track record in supporting companies with practical, results-oriented financial solutions.
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Research Publications
I’ve published influential research in causal analysis and solvency models, adding to my credibility in the financial field.
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Growth Oriented
I have decades of experience in managing finances, investments, and helping businesses stay on track for growth.
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Actuarial Credentials
I am a certified actuary through the German Association of Actuaries, strengthening my credentials in financial analysis and strategy.
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Education Qualification
I hold a Ph.D. in Statistics and degrees in Economics and Business Education, providing me with a solid foundation.
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Leadership Recognition
I was named among the Top 25 Insurtech CEOs in 2020, recognizing my leadership and impact in the industry.
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Financial Control: Ensuring Stability, Transparency, and Efficiency

I ensure that your organization’s finances are meticulously managed, from budgeting and forecasting to financial reporting and cash flow oversight. By implementing robust internal controls and providing real-time financial insights, I help businesses stay on track, reduce risks, and make informed decisions.


My expertise in handling debitor and creditor accounts, preparing monthly and annual financial statements, and managing payment processes ensures that your financial operations run smoothly and efficiently.

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In-Depth Financial Audits to Strengthen Financial Health

In my financial audits, I carefully review a company’s financial records and systems to understand its overall financial health. I bring a high level of expertise to my Financial Audit and Advice service. My background allows me to conduct audits that are both thorough and insightful, going beyond the surface to identify issues and opportunities that others might miss. I prepare clear, detailed reports that give companies an honest view of their financial health.


My process includes identifying any weaknesses or gaps in their systems, ensuring compliance, and recommending realistic, effective solutions. This service not only highlights areas needing improvement but also empowers companies to make informed changes that strengthen their financial stability and position them for long-term success.

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Building Financial Strength with Expert Guidance

My Financial Consulting Services are grounded in years of industry experience and advanced education in finance and statistics, including a Ph.D. in Statistics. I have spent my career helping companies navigate complex financial landscapes, and my consulting services are designed to bring this expertise directly to businesses looking to improve their financial health and achieve sustainable growth. By combining my deep knowledge of risk management, market dynamics, and financial planning, I offer clients practical, data-driven insights that support their long-term goals.


Through my Financial Consulting Services, I aim to give companies the tools and confidence they need to make better financial decisions. My goal is to be a reliable partner, offering support and guidance as they face challenges and move toward success.

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Find the right plan for your financial health

Choose the financial plan that’s right for your business. Each package is designed to fit different needs, from basic support to advanced financial guidance.

Essential Package

$1000

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Key features
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Initial financial assessment and goal-setting.
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Cash flow review and quick-win strategies.
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High-level risk check and budgeting support.
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Financial audit for basic compliance and insights.
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One consultation session with 30-day support.

Professional Package

$2000

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Key Features
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Dedicated support for ongoing financial decisions.
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Detailed cash flow and liquidity analysis.
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In-depth quarterly audit with compliance updates.
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Full risk assessment and management planning.
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Monthly financial health reviews and goal alignment.

Enterprise Package

$4000

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Key Features
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Full-scale strategic financial planning and analysis.
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Advanced risk management and compliance checks.
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Monthly financial health updates and long-term forecasting.
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Detailed cash flow optimization and expense tracking.
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Dedicated consultant for hands-on financial management.

"I believe that financial strength is the heart of a business—it fuels growth, drives resilience, and keeps the company on track in every quarter."

Dr. Holger Bartel, Certified Financial Consultant
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FAQs

What services do you offer?
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I offer financial audits, financial management advice, strategic planning, risk management, and financial guidance. My goal is to help businesses make smart financial choices and achieve steady growth.
How can your financial audits help my business?
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My audits involve a thorough review of your company’s finances. I identify any issues in your financial processes and provide clear recommendations to improve financial health and performance.
What industries do you specialize in?
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I have experience in industries such as finance technology, insurance, and corporate finance. This allows me to provide effective advice that fits the unique challenges of your industry.
Why should I choose your services?
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I have a strong background in finance and risk management, I bring deep expertise and a unique approach to every client. I focus on honest advice, practical solutions, and helping you achieve meaningful results.
What is Real Rate AI?
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RealRate is my brain child. It's a rating agency using Explainable Artificial Intelligence to create fair, unbiased, and ethical company ratings. Our rating seal helps build customer trust.

Business Growth Begins with a Conversation

Get in touch today to explore how my financial consulting services can strengthen your finances and help your business grow. Let’s find the right solution for your business needs. I look forward to working with you!
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Solutions
Financial Consulting
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SAP Consulting
Solutions
Audit & Compliance
About Founder
Dr. Holger Bartel
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