Helma Sick


Helma Sick

Financial expert, "woman & money"
Helma Sick Financial services for women

The financial expert Helma Sick was born on March 5, 1941, in Viechtach/Bavarian Forest and has a son.

After completing her secondary education in 1957, she pursued a career in office management, eventually becoming the executive secretary of a large housing construction company. Additionally, starting in 1970, she became involved in the women’s movement with the goal of learning more about the discrimination faced by women.

  • In 1972, she married Erwin Sick, a Dipl.-Chemist.
  • From 1977 until the end of 1982, she co-founded and served as the managing director of FRAUENHILFE, a municipal facility for abused women and children in Munich.
  • In 1982, she adopted her son Markus, born in 1978.
  • From 1982 to 1988, her main occupation was being a mother. During this time, she pursued evening studies in business administration at the Administrative and Economic Academy, earning the title of “Betriebswirtin (VWA).” She also served on the board of a vocational integration association and founded two companies that primarily employed mentally challenged individuals.
  • In 1986 and 1987, she had an “apprenticeship” in a financial services company.
  • In 1987, she founded her own company, “frau & geld,” which provided financial services for women.
  • In 2001, she went through a divorce.
  • In 2008, she converted her sole proprietorship into a “GmbH & Co KG” and has since been a managing partner alongside Renate Fritz, a financial planner.
  • In 2022, she sold the company to her niece Renate Fritz.
  • Since then, she has dedicated herself exclusively to her “life theme” through lectures, articles, interviews, podcasts, and more (see details below).


  • From 1994 to 2014, she co-authored 11 financial guides, some of them with Renate Fritz.
  • Currently available on the market:
  • 2015: “Ein Mann ist keine Altersvorsorge – warum finanzielle Unabhängigkeit für Frauen so wichtig ist” (A Man is Not a Retirement Plan – Why Financial Independence is Crucial for Women), co-authored with Renate Schmidt (former Federal Minister for Family Affairs).
  • 2018: “Aufgeben kam nie in Frage” (Giving Up Was Never an Option) – Autobiography, published by Penguin-Verlag.
  • 2021: “Frau & Geld – wie Frauen finanziell unabhängig werden” (Woman & Money – How Women Can Achieve Financial Independence), co-authored with Renate Fritz.

Additionally, since 1988:

  • She has delivered numerous nationwide lectures on the topic of “Financial Independence and Avoidance of Poverty in Old Age.”
  • She has contributed articles and interviews to various magazines.
  • She has participated in various podcasts.
  • She has been involved in numerous radio and television broadcasts.
  • From 1996 to 2002, she provided biweekly “Money Tips” in the women’s magazine “Brigitte.”
  • From 2003 to 2013, she answered “Money Questions” in the women’s magazine “Brigitte-Woman” on a monthly basis.

In October 2022, she was awarded the Federal Cross of Merit by State Minister Ulrike Scharf. On April 3, 2023, a documentary film titled “Lebenslinien” (Life Lines) about her life was aired on BR (Bayerischer Rundfunk), a German television channel.


In the Podcast herCAREER Voice
Finanziell selbstbestimmt! Wie sich Frauen ein unabhängiges Leben sichern