Planning Your Retirement Shouldn't Feel Like Guesswork
We help people in Thailand build realistic retirement strategies that account for the life they actually want to live. Not generic plans pulled from a template, but personalized approaches that reflect your circumstances, goals, and the unique challenges of planning for retirement in this region.
Why Retirement Planning Feels Different Now
Most people we meet have been putting money aside for years, but they're not sure if it's enough. Or what "enough" even means when healthcare costs keep rising and currency values fluctuate.
Thailand presents some specific complications. If you're working here on international contracts, you might have pension contributions scattered across multiple countries. Local pension schemes have their own rules that don't always align with how you're planning to retire.
And then there's the lifestyle question. Do you want to stay in Thailand? Split time between countries? These choices affect everything from tax implications to healthcare access. We spend a lot of time helping people think through these scenarios before they become urgent decisions.
Petra Svensson
Senior Planning Advisor since 2019
What We Actually Do
Retirement Readiness Assessment
We start by figuring out where you stand right now. What you've saved, what you're earning, what you're spending, and what you'll likely need later.
- Current financial position review
- Income and expense projections
- Gap analysis between goals and reality
- Timeline recommendations
Pension Consolidation Guidance
If you've worked in multiple countries or changed employers frequently, your pension contributions might be spread thin. We help you understand what you have and whether consolidation makes sense.
- Multi-country pension tracking
- Transfer feasibility analysis
- Currency risk assessment
- Tax implication reviews
Investment Strategy Alignment
Retirement planning isn't just about saving. It's about making sure your investments align with when you'll need the money and how much risk you can actually handle.
- Risk tolerance evaluation
- Portfolio rebalancing advice
- Asset allocation strategies
- Regular performance reviews
Healthcare Cost Planning
This is the part most people underestimate. Healthcare expenses tend to rise as you age, and insurance coverage varies dramatically depending on where you live and what conditions you develop.
- Insurance policy comparisons
- Long-term care considerations
- Cross-border healthcare access
- Budget projections for medical expenses
Tax-Efficient Withdrawal Strategies
How you withdraw money in retirement matters just as much as how much you saved. We help structure withdrawals to reduce unnecessary tax burdens.
- Withdrawal sequencing plans
- Tax residency optimization
- Social security timing
- Income smoothing techniques
Estate Planning Integration
What happens to your assets when you're gone? We coordinate with legal professionals to make sure your retirement plan aligns with your estate wishes.
- Beneficiary designation reviews
- Trust structure considerations
- Cross-border inheritance planning
- Family communication strategies
Common Challenges We Help Solve
Currency Fluctuation Anxiety
You've been earning in one currency but plan to retire in another. Exchange rates have shifted significantly over the past few years, and you're not sure how exposed you are.
Multi-Currency Strategy
We build portfolios that spread risk across currencies based on where you'll actually spend money. This includes timing currency conversions and using hedging strategies when it makes sense for your situation.
Scattered Pension Accounts
You've worked in three different countries and have pension contributions sitting in accounts you barely remember. Tracking them all feels overwhelming, and you're not sure if they're even growing.
Consolidation Analysis
We track down your existing pensions, evaluate their performance and fees, and help you decide whether consolidating into fewer accounts makes sense or if keeping them separate offers tax advantages.
Uncertain Healthcare Costs
You're healthy now, but you've seen friends deal with unexpected medical expenses that insurance didn't fully cover. You want to plan for healthcare without overestimating or underestimating what you'll need.
Healthcare Buffer Planning
We help you research realistic healthcare costs in your intended retirement location, compare insurance options, and build a dedicated healthcare fund that adjusts as your health status changes.
Service Packages and Pricing
All fees are in Thai Baht. Pricing reflects comprehensive consultation time and ongoing support levels.
Essential Planning
฿8,500 one-time session- Initial retirement assessment
- Financial position review
- Gap analysis report
- Basic action plan
- 60-minute consultation
Comprehensive Strategy
฿18,500 includes 6 months support- Complete retirement strategy
- Pension consolidation guidance
- Investment alignment review
- Tax optimization planning
- Quarterly check-ins
- Email support access
Premium Lifetime
฿32,000 annual retainer- All comprehensive features
- Estate planning integration
- Healthcare cost planning
- Unlimited consultations
- Monthly portfolio reviews
- Priority support access
What Clients Say About Working With Us
Working with Evolveflash changed how I think about my future. I came in worried about whether I'd saved enough, and Petra walked me through everything in a way that actually made sense. Now I have a clear picture of what my retirement might look like, and honestly, I sleep better knowing there's a plan. She didn't promise miracles or try to sell me products I didn't need. Just straightforward guidance based on my actual situation.
