Diagnostic session
A focused meeting to stress-test cash flow and identify the top three planning gaps for your self-employed setup.
Bangkok · self-employed specialists
Relay Independent Financial Planning
Irregular invoices, mixed currencies, and tax surprises are not personal failures—they are structural problems for freelancers and sole traders. We run individual planning consultations that map cash flow, reserves, and obligations before you commit to another volatile year.
Planning work for variable income—documented, not improvised.
The problem is not discipline—it is missing structure
When every month brings a different total, generic budgeting apps treat you like a salaried employee. Without a plan that respects withholding, business expenses, and dry spells, reserves erode quietly until a single slow quarter becomes a crisis.
Variable income needs its own ledger logic
Self-employed professionals in Thailand often juggle PromptPay receipts, overseas clients, and personal draws from the same account. We separate operating cash from personal spending targets so you can see whether the business truly funds your life—not just this month’s mood.
Consultations cover estimated tax pacing, emergency buffers sized to your slowest historical quarter, and retirement contributions that do not assume a fixed paycheck. Nothing here replaces licensed tax filing; we coordinate numbers you can hand to your accountant with confidence.
Review planning stages
How a tailored engagement unfolds
Intake on your real numbers
You share recent income patterns, fixed costs, and upcoming obligations—no fabricated benchmarks, only your history.
Scenario mapping
We model conservative, expected, and strong months so reserves and tax set-asides have explicit targets instead of guesswork.
Written action outline
You leave with prioritized moves—account separation, contribution timing, and review checkpoints aligned to your trade cycle.
Optional follow-up sessions
Quarterly or annual reviews adjust the plan when contracts, family needs, or regulations shift.
Consultation formats we offer
Full planning engagement
Multi-meeting work that builds reserves, tax pacing, and long-horizon goals around your actual revenue swings.
Review & recalibration
Shorter check-ins after major contract changes, relocation, or when you need an independent read on updated numbers.
Questions self-employed clients ask first
Do you sell investment products?
No. Engagements are fee-based planning conversations. We do not receive commissions on funds or policies.
Is this tax advice?
We help you organize estimates and questions for your licensed tax professional. Filing remains your accountant’s domain.
Can meetings be remote?
Yes. Many clients join from across Thailand; in-person sessions are available at our Bangkok office by arrangement.
How are fees quoted?
After the intake call we provide a written scope and fee for the engagement you choose—no published price list because every practice differs.
Who this is for—and who it is not
For
Freelancers, consultants, and sole proprietors who already earn but lack a written plan for tax pacing, reserves, and personal draws.
Not for
Visitors seeking guaranteed returns, stock tips, or emergency credit. We do not promise outcomes—only structured analysis of your figures.