Services
Individual financial-planning consultations focused on debt repayment sequencing and emergency-fund targets in Thailand.
Consultation services
Our work is delivered through one-to-one planning meetings—never through automated portfolio bots or product pitches. Each engagement weaves together debt repayment management with emergency-fund planning so the two goals stop competing silently.
Debt repayment planning
- Catalog unsecured and secured obligations with accurate rates and grace rules
- Build an ordered payoff path (avalanche, snowball, or hybrid) tied to your cash flow
- Stress-test minimum-payment traps and refinance scenarios without recommending specific lenders
- Align extra principal payments with employer bonus cycles or seasonal income
Emergency-fund planning
- Separate liquidity reserves from investment accounts on paper
- Set starter, intermediate, and stability fund targets based on essential expenses—not arbitrary round numbers
- Automate transfers after payday while respecting debt minimums
- Document when to pause fund contributions temporarily without abandoning the plan
Delivery format
| Stage | What happens |
|---|---|
| Discovery call | 20 minutes to confirm fit and outline documents to prepare |
| Working session | 90 minutes, Bang Rak office or secure video |
| Written plan | Repayment schedule, fund milestones, monthly checklist |
| Optional review | Follow-up session within 60 days to adjust for life changes |
Fees are quoted after discovery based on complexity (number of debts, irregular income, bilingual documentation needs). We do not publish fixed THB packages because scope varies; proposals are sent by email before you commit.
Frequently asked questions
Do you negotiate with banks on my behalf?
No. We prepare numbers and scripts you can use in conversations with creditors, but we are not debt-collection agents or licensed intermediaries for restructuring.
Can you manage investments while we pay down debt?
Our scope is cash-flow planning, debt sequencing, and liquidity targets. Investment selection is out of scope unless you engage a licensed advisor separately.
Is everything confidential?
Yes. Materials you share are used only to prepare your plan and respond to inquiries, as described in our [Privacy policy](/privacy/).
How do I start?
Submit the [contact form](/contact/) or call our Bangkok line. Mention whether your priority is debt, emergency savings, or both.
Ready to begin? Request a consultation.