Planning process for self-employed professionals
We built this process for people who invoice clients instead of receiving payroll. Each stage produces artifacts you can keep—cash-flow snapshots, reserve targets, and a written outline of next moves.
Discovery intake
You complete a structured questionnaire on income history, fixed costs, debt, insurance gaps, and upcoming life events. We schedule a live session to clarify anything ambiguous. The goal is a shared fact base, not a sales pitch.
Cash-flow and reserve modeling
Using your actual trailing twelve months, we chart inflows, withholding habits, and personal draws. We size an operating reserve that could cover your slowest recent quarter plus one unexpected expense. Numbers are rounded to realistic payment cycles—not theoretical monthly averages.
Tax pacing worksheet
For Thailand-based self-employment, we estimate periodic set-asides aligned with your revenue pattern and flag items to confirm with your licensed tax advisor. We document assumptions so your accountant spends time verifying, not reconstructing.
Goal alignment
Retirement contributions, education funds, or major purchases are ranked against cash constraints. We spell out trade-offs in plain language: what moves if you choose higher reserves versus accelerated investing.
Delivery and ownership
You receive a written action outline and spreadsheet templates tuned to your workflow. We walk through each line so you can maintain them between reviews.
Review cadence
Optional quarterly or annual sessions revisit assumptions when contracts, FX exposure, or family circumstances change. Scope and fees for follow-ups are confirmed in writing before work begins.
