Inquiry-based financial planning consultations for people in the early years of their careers — building emergency funds, first-home deposits, and long-term plans, one honest conversation at a time.
From our office on Changkhlan Road in Mueang Chiang Mai, we work with salaried professionals, freelancers, and small-business owners across northern Thailand who want a clear picture of their money before they commit to a goal.
How an inquiry works here
A planning process built around your situation in Chiang Mai.
Every engagement starts with an inquiry, not a sales call. You tell us where you are; we tell you what a useful plan would actually cover. The steps below are the same whether you are saving for a deposit on a condo near Nimman or mapping out a first retirement contribution.
You send an inquiry
Use the form on this site or email us directly. Tell us your goal in a few sentences — no account numbers, no statements yet. We reply to your email within two business days.
A short scoping conversation
A 20-minute call or in-person meeting at our Changkhlan Road office to confirm what you want to plan for and whether a written plan is the right next step.
We gather the right numbers
With your permission, you share income, fixed expenses, savings rate, and any existing commitments — enough to build a plan that reflects your real month, not a template.
A written goal plan, in baht
You receive a plain-language plan: a target amount in THB, a monthly savings range, and the trade-offs that come with it. You keep the document regardless of whether we work together further.
What young professionals plan for
Goals we regularly work through with early-career clients.
These are the planning topics that come up most often in inquiries from people in their twenties and thirties across Chiang Mai and the wider north. None of them require a large portfolio to start — most begin with a savings rate and a timeline.
01
Emergency fund
Three to six months of essential expenses held separately, sized to your actual fixed costs rather than a generic rule of thumb.
02
First-home deposit
A savings path toward a condo or house deposit in THB, including how down payment size, transfer costs, and timeline interact.
03
Retirement starting point
A first look at long-term contributions — what a steady monthly amount now means later, without promising a guaranteed return.
04
Debt repayment order
Which obligation to clear first when income is limited, and how to balance repayment against building savings at the same time.
05
Family and dependants
Planning around a new dependant — recurring costs, protection basics, and how a changing household shifts earlier goals.
06
Freelancer cash flow
For variable-income professionals: smoothing uneven months, setting aside tax, and keeping a goal on track when income dips.
Start with an inquiry
Tell us what you want to plan for.
Send a few sentences about your situation and the goal on your mind. We read every inquiry ourselves and reply by email — usually within two business days. There is no cost to an initial inquiry, and no obligation to continue.
