Our Services
Three ways to work with Zonivas
Each service is designed for a specific need. Choose the one that fits where you are right now — or reach out if you are unsure.
Back to HomeOur Approach
How we work
Every Zonivas service follows the same foundational structure: we start by understanding where you are, move carefully through the topic, and close each session with clear documentation and next steps. The depth and duration differ by service — the quality of attention does not.
We do not push toward any financial product or institution. Our role is purely educational — to expand your understanding, reduce uncertainty, and help you approach your own decisions with greater confidence.
Service 01
Financial Conversation Starter
For individuals who want to begin talking about their finances without any prior preparation. This is the right starting point if you have unanswered questions, a general sense of uncertainty, or simply want to understand your situation better. No fixed topics. No homework needed. Just an open, guided conversation.
What is covered
- Open-format discussion of your current financial situation
- Your concerns, aspirations, and immediate questions
- Identification of areas needing attention or clarity
- Written summary of discussion points
- Suggested next steps based on your priorities
How it unfolds
You share what is on your mind — no structure needed
The educator listens, asks gentle clarifying questions
Together, you explore the areas of most relevance
Written summary delivered within 48 hours
Service 02
Subscription and Recurring Cost Audit
A practical, focused service that helps you identify every recurring charge in your financial life — including subscriptions, memberships, insurance premiums, and automatic payments you may have forgotten. The result is a clear picture of what you spend, and a realistic projection of what you could save.
What is covered
- Full cost aggregation across all recurring categories
- Value assessment — does each cost justify its place?
- Cancellation guidance and renegotiation awareness
- Recurring cost inventory document
- Annual savings projection based on your audit
How it unfolds
Session 1: mapping all recurring charges you are aware of
Between sessions: review bank statements for missed items
Session 2: value assessment, prioritisation, action list
Final inventory and savings projection delivered in writing
Service 03
Retirement Income Strategy
An advisory education service for individuals nearing or entering early retirement who want to think carefully about how they will draw on their resources. This service explores withdrawal sequencing, tax efficiency, longevity planning, and inflation adjustment methods — all within the context of life in Thailand.
What is covered
- Withdrawal sequencing from different account types
- Tax efficiency considerations for retirement income
- Longevity planning and healthcare cost awareness
- Inflation adjustment methods and real purchasing power
- Written income strategy plan
- Annual review framework for independent use
How it unfolds
Session 1: understanding your current position and retirement horizon
Session 2: exploring withdrawal structures and income sequencing
Session 3: finalising the strategy plan and annual review framework
Written income strategy plan delivered within 5 business days
Comparison
Which service fits your situation?
| Feature | Conversation Starter |
Cost Audit |
Retirement Strategy |
|---|---|---|---|
| Number of sessions | 1 | 2 | 3 |
| Price (THB) | ฿2,800 | ฿4,600 | ฿18,000 |
| Written summary included | |||
| Full cost inventory | — | — | |
| Retirement income plan | — | — | |
| Annual review framework | — | — | |
| Best for | Starting out | Cost clarity | Retirement planning |
Not sure which to choose? Reach out and we will help you decide — with no pressure toward a particular option.
Standards
Shared across all services
Confidentiality
Everything shared in a session stays within Zonivas. We observe Thailand's PDPA data protection requirements fully.
No product affiliations
We are not connected to any financial institution, broker, or insurer. No referral fees, no sales targets.
Written documentation
All sessions produce a written record. You will never leave a Zonivas service without something tangible to refer back to.
Unhurried sessions
We do not watch the clock at the expense of the conversation. Sessions end when the discussion feels complete.
Current knowledge
Our educators stay informed on Thai tax regulations, banking environments, and financial planning frameworks through regular review.
Post-service access
Have a quick question after your service? We are reachable by email for minor clarifications related to the work we have done together.
Pricing
Clear, all-inclusive pricing
Starter
Financial Conversation Starter
฿2,800
per engagement
- 1 extended session
- Open-format discussion
- Written summary
- Suggested next steps
Practical
Recurring Cost Audit
฿4,600
per engagement
- 2 sessions
- Cost inventory document
- Value assessment
- Annual savings projection
Advisory
Retirement Income Strategy
฿18,000
per engagement
- 3 advisory sessions
- Written income strategy plan
- Annual review framework
- Longevity & tax coverage
Not sure where to start?
Send us a message describing your situation and we will suggest which service makes the most sense. No commitment required.
Get in Touch