Services

How the consultations work

Each engagement opens with an inquiry and a short conversation to see whether planning together suits your situation. Nothing is being sold, and no commission depends on the outcome. If the fit is right, we move through the work one area at a time.

The model is inquiry-based: you bring your real figures, we build a plan you can carry out yourself, and we agree the next steps in priority order. This is not investment management, and it is not a regulated licence to offer financial products.

What an engagement can cover

• Cash-flow mapping — your last 12 months of actual income and fixed costs, laid out the way they really landed, instead of an industry average that assumes a steady salary.
• Reserve planning — a target sized to your longest typical gap between projects, with a top-up rule that flexes when a month is heavy or light.
• Tax and VAT reserve habits — a simple habit for setting money aside, so a slow quarter does not become a bill you cannot meet. Planning only; not tax filing.
• Long-term direction — retirement, savings and protection goals set against your real runway, rather than a benchmark built for employees.

Where it fits

This work is built for self-employed people in Thailand whose pay swings between months — freelancers, contractors, solo practitioners and gig-platform workers. If your income is fixed and predictable, a different kind of adviser may serve you better.

What to bring to the first conversation

Rough figures are fine to start. A useful plan depends on what you bring, so be ready to share your actual income, fixed costs and any reserves you already hold. We will tell you upfront if what you need is a regulated service instead.

Ready to begin? Start an inquiry or read about how the process works.