Discovery consultation
Structured conversation on income sources, fixed costs, and near-term goals for independent earners. Outcome: clarity on whether a full plan is appropriate and what documents to gather.
API Relay Financial Planning
Financial planning shaped for self-employed professionals whose income shifts month to month — not a one-size corporate brochure.
We work at the bench level of your numbers: mapping irregular client payments, separating business from personal ledgers, and building reserves before you commit to long-term contracts. Every engagement begins with a conversation, not a pre-packaged slide deck.
When invoices land on different weeks
Freelancers, consultants, and sole practitioners in Bangkok often juggle VAT registration thresholds, withholding on services, and personal obligations on the same calendar. We document your actual inflow pattern before recommending reserve targets or retirement contributions.
Craft-led planning means tracing each assumption to a line on your spreadsheet — not hiding uncertainty behind averages that never matched your bank statements.
A management plan should read like a shop manual: which dial to turn when a client delays payment, and which levers stay untouched until year-end filings are filed.How we describe tailored plans
Proposed engagements
Commercial terms, session length, and fees are confirmed in writing before any paid work. The items below outline what we prepare to deliver.
Financial-management plan
Written plan covering cash buffers, tax-set-aside rhythm, and milestone checkpoints aligned to your contract cycle — revised when your business model shifts.
Plan review session
Follow-up for existing clients when regulations change or when you add a new revenue stream. Focused on updating assumptions, not repeating generic advice.
Grounded on Ratchadaphisek Road
Meetings can be arranged at our Huai Khwang office or by video when that suits your schedule. We serve self-employed professionals across Thailand who want planning in English with local context for Thai tax and banking practice.
We are a fit when you already track income but lack a documented plan for slow months, equipment purchases, or Provident Fund gaps — not when you need licensed securities brokerage.Scope boundary
Questions we hear from independents
Do you file taxes for me?
We help you understand set-asides and documentation; filing may involve your accountant. We coordinate assumptions so your planner and preparer do not contradict each other.
Is this investment advice?
We focus on planning and management structures for self-employed cash flows. Product recommendations, if any, stay within scopes you approve and providers you choose.
How do I start?
Send an inquiry with your trade, typical monthly range, and what prompted you now. We reply by email with next steps and proposed session format.