Money Decisions That Actually Work For Your Life
We sit down with people who want their finances to make sense without the jargon or complicated spreadsheets. Based in Chon Buri, we help folks across Thailand build financial plans they can actually stick to.
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Planning Without the Pressure
Most people come to us feeling overwhelmed. There's retirement to think about, kids' education somewhere down the line, and that nagging sense that money shouldn't be this complicated.
I'm Jespersen Aalto, and I started this practice after watching too many friends struggle with financial advice that didn't fit their actual lives. You know the type—those rigid plans that look great on paper but fall apart the moment real life happens.
What works better? Starting with where you are right now and building something that flexes with you. Some months are tight, some years bring surprises, and your financial approach needs to handle both without making you feel like you're failing.
We work mainly with people in their 30s and 40s who are juggling careers, families, and trying to figure out what financial security actually means for them. Not the textbook version—their version.
How We Think About Your Money
Three things we believe make financial planning actually helpful
Context Matters More Than Rules
Standard advice rarely fits messy reality. We look at your complete situation—family dynamics, career trajectory, the things keeping you up at night—before suggesting anything.
Plans Should Reduce Stress
If your financial plan makes you anxious about every purchase, something's wrong. Good planning creates breathing room and clarity, not constant second-guessing.
Small Adjustments Usually Work Better
Massive overhauls sound impressive but rarely stick. We prefer finding two or three changes that actually improve your life right away, then building from there.
What We Help With
These are the conversations we have most often. Sometimes people need help with just one area, sometimes it's a combination. Either way works.
Getting Your Budget to Breathe
Not about cutting everything fun out of your life. More about understanding where money goes and making intentional choices about the trade-offs you're comfortable with.
Retirement That Makes Sense
Retirement planning in Thailand has its own quirks, especially if you're mixing Thai systems with international savings. We help figure out what you'll need and how to get there without sacrificing today completely.
Education Funding Without Panic
International school fees, university costs—they add up fast. We look at realistic timelines and what saving approaches might work without draining everything else.
Investment Decisions
Should you invest more aggressively? Pull back? The answer depends on where you're headed and how you handle market swings. We walk through options that match your comfort level.
Insurance Review
Most people are either over-insured or under-insured. We review what coverage actually protects you versus what's just eating budget for minimal benefit.
Financial Checkups
Sometimes you just need someone to look at everything and confirm you're on track—or spot the one thing you've been missing. These quarterly or annual reviews keep you from drifting.
Working Together Looks Like This
Here's what typically happens when someone reaches out
Initial Conversation
We spend about an hour just talking. What's working, what isn't, what you're trying to accomplish. No sales pitch, just understanding your situation.
Analysis and Options
I take a week or so to look at everything properly, then we meet again to discuss what I'm seeing and potential approaches. You decide if any of it resonates.
Implementation Support
If you want to move forward, we work on the practical steps—opening accounts, adjusting allocations, whatever needs doing. I can guide you through the process or handle things directly.
Ongoing Adjustments
Life changes, markets shift, priorities evolve. We stay in touch to make sure your plan adjusts with you, not against you. How often depends on what you need.
Let's Figure This Out Together
If you're tired of generic financial advice that doesn't fit your actual life, let's talk. We're based in Si Racha but work with clients across Thailand—in person when it makes sense, virtually when it doesn't.