Client Experiences
What clients say about Zonivas
Real accounts from individuals who came with questions and left with clarity.
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Avg. satisfaction
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In Bangkok
Reviews
From the people we have worked with
Patcharin T.
Bangkok · March 2025
I had been putting off thinking about my finances for years. The Conversation Starter was exactly right — no preparation needed, no judgment. I walked out with a two-page summary that I have genuinely used to guide my decisions over the past two months.
Service: Financial Conversation Starter
Krisana W.
Bangkok · February 2025
The cost audit was eye-opening. I knew I had subscriptions I was not using, but seeing it all laid out on paper was quite different. We identified about ฿900 a month in charges I had simply forgotten about. Well worth the session fee.
Service: Recurring Cost Audit
Somchai M.
Bangkok · March 2025
Approaching retirement and finding most services wanted to sell me something. Zonivas was the opposite — three sessions focused entirely on understanding. The written plan they produced has become the reference point for every conversation I have had with my family since.
Service: Retirement Income Strategy
Natnicha L.
Bangkok · January 2025
What I appreciated most was the tone. Not once did I feel rushed or talked down to. The educator listened carefully before offering any perspective. I came in feeling overwhelmed and left with a clear list of three things to address first.
Service: Financial Conversation Starter
Artit P.
Nonthaburi · February 2025
Did the cost audit remotely via video — easy to arrange, and the session itself was just as thorough as I imagine it would be in person. The annual savings projection gave me something concrete to act on immediately.
Service: Recurring Cost Audit
Wanida C.
Bangkok · March 2025
I have done the Retirement Income Strategy service and would recommend it specifically to anyone within five years of stopping work. The second session — where we went through withdrawal sequencing — was genuinely new information for me, delivered very clearly.
Service: Retirement Income Strategy
Case Studies
Stories in detail
Challenge
Feeling financially invisible at 45
A Bangkok professional with a steady income but no clarity on where her money actually went each month. She felt she should be in a better position financially, but did not know where to start or who to ask.
What We Did
Conversation Starter followed by Cost Audit
First session mapped her general situation and identified that recurring costs were the most pressing concern. A second service — the Cost Audit — was completed the following month, producing a full inventory of 24 recurring charges.
Outcome
฿13,200 in annual savings identified
Eight charges were cancelled, three were renegotiated. She now keeps a simple monthly review process — adapted from the framework delivered at the end of her Cost Audit.
Timeline: 6 weeks across both services
Challenge
Retirement in two years, no plan
A Phaya Thai resident planning to stop working at 62. He had savings across multiple accounts but no clear view of how to draw on them without creating unnecessary tax obligations or depleting them too quickly.
What We Did
Retirement Income Strategy — full three sessions
Sessions covered his full account picture, explored withdrawal sequencing options for Thai retirement accounts, and addressed longevity planning. A written strategy plan was prepared and reviewed together in session three.
Outcome
A structured, written income plan in hand
He now has a sequenced withdrawal plan covering a 20-year horizon with annual review checkpoints. His family has also seen the document and understands the framework.
Timeline: 5 weeks across three sessions
Credentials
What supports our work
PDPA Compliant
Full compliance with Thailand's Personal Data Protection Act
Certified Educators
Financial education credentials maintained through ongoing study
Commission-Free
No referral arrangements or product affiliation of any kind
4.8 Rating
Average satisfaction score across all completed services in 2025
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