In their own words,
not ours
The most honest measure of a programme is what participants say when they have finished. This page gathers accounts from people across our three courses.
Back to HomeWhat participants have shared
"I came in knowing almost nothing about how to read my provident fund statements. By week three I was asking questions I didn't know I had. The instructor was patient and didn't talk down to us. I found the workbook particularly useful — I still refer to it."
"My wife and I joined the retirement programme together because we kept having conversations about our income situation that went in circles. After the course, we actually have a clear picture for the first time. The income worksheet they give you forces you to think through things you keep avoiding."
"What I appreciated most was that no one tried to sell me anything. In previous seminars at banks, you always knew there was a product waiting at the end. Here the sessions were purely educational. The small group format made a big difference — questions were actually answered."
"I enrolled in the advanced programme because I had been putting off thinking about what would happen to our family's properties and business interests after I am gone. The estate attorney's involvement made the discussions very concrete. We now have a governance document that my children actually understand."
"I was hesitant because I thought financial courses were for people who already know a lot. But the essential programme genuinely starts from the beginning — how to track where your money goes, what your tax obligations look like, how insurance works in practice. Very accessible."
"The nine-month follow-up consultation was something I wasn't expecting to find valuable, but I did. A lot had changed in our situation since the programme ended and being able to speak with the instructor about how those changes affected our income plan was genuinely useful."
How three households approached their financial situations
Managing dual caregiving while saving
A Bangkok couple in their mid-40s were supporting both an ageing parent and a child in university while trying to build reserves. Cashflow was managed intuitively and they had no clear view of whether their insurance coverage made sense.
Essential Money Programme
Through the foundational programme they built a simple household cashflow map, reviewed their insurance policies against actual needs, and set up a structured emergency reserve with a clear target amount and review date.
Clarity and a workable plan
Within three months of completing the programme, they had cancelled two redundant insurance policies, reduced monthly outgoings, and reached their initial reserve target. More importantly, they stopped arguing about money because they were looking at the same picture.
Too many sources of income, no clear plan
A 55-year-old professional with a provident fund, a private pension, rental income, and a small investment portfolio. No idea how these would interact in retirement or what the tax implications would be.
Retirement Income Architecture
The retirement programme helped map each income stream, understand the sequence in which to draw down each source, and stress-test the plan against a scenario involving significant health expenditure in the first five years of retirement.
A sequenced withdrawal framework
The participant completed the programme with a personalised income-design worksheet and a clear withdrawal sequence across all four income sources, including an approach to managing Thai income tax across retirement years. The 9-month follow-up confirmed the plan was still on track.
A family that had never discussed money formally
A 62-year-old business owner with three adult children. Assets were substantial but undocumented. Children had different views about the family's wealth. No governance structure existed and the owner was uncertain how to begin.
Family Office Foundations Programme
Over fourteen weeks, the owner worked with Siriwong's financial planner, a Thai estate attorney, and a family dynamics specialist to create a governance document, update the estate structure, and prepare the three adult children to understand their roles and responsibilities.
A governance document the whole family owns
The family now has a written governance document co-signed by all members, an updated estate structure reviewed by a Thai attorney, and a clear record of asset distribution intentions. Advisory correspondence continued for twelve months after the programme.
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Ratchathewi, Bangkok 10400
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