Chiang Mai ยท Thailand
A Clearer Path
Through Your Finances
Thoughtful financial education for adults over 40 โ exploring what you have, how it works, and what it means for the years ahead.
Our Programs
Three Programs, One Direction
Each program is structured around a specific need โ whether you are a couple working together, an individual seeking clarity, or someone wanting to understand the regulatory environment around personal finance in Thailand.
Financial Foundations for Couples
A five-session educational program for couples over 40 who wish to align their understanding of shared financial matters. Topics include joint budgeting approaches, coordinating insurance coverage, understanding each partner's retirement outlook, and having constructive financial conversations. Each session lasts 90 minutes in a private group setting with a maximum of four couples per cohort.
- Facilitated in small, private group settings
- Guided exercises designed for partners to complete together
- Reference materials for both partners included
Understanding Thai Financial Regulations
A four-session educational series that helps participants navigate the regulatory environment surrounding personal finance in Thailand. Topics include banking regulations, investment protections, insurance oversight structures, and consumer rights when dealing with financial institutions. Presented in clear, accessible language without technical jargon. Suitable for Thai nationals and long-term residents over 40.
- Clear language without technical jargon
- Supplemental reading materials between sessions
- Suitable for Thai nationals and long-term residents
Comprehensive Financial Self-Assessment
A guided individual engagement where a financial educator helps you conduct a thorough self-assessment across multiple dimensions โ savings adequacy, debt structure, insurance coverage, investment awareness, and retirement readiness. Three private sessions over four weeks, each lasting two hours. The educator does not provide advice or product recommendations; the focus is on helping you develop a clear, organized understanding of your own situation.
- Three private sessions over four weeks
- No product recommendations โ only clarity
- Detailed personal assessment document upon completion
Why celviones
What Makes the Difference
Our approach is rooted in respect for the complexity of life at 40, 50, and beyond.
No Sales, No Products
We are educators, not advisors. We never recommend financial products. Every conversation focuses entirely on understanding, not purchasing.
Small Group Sizes
Sessions are kept intentionally small โ maximum four couples or six individuals โ so that discussion remains personal and relevant to each participant.
Rooted in Thailand
Our programs reflect the actual regulatory and financial environment of Thailand โ relevant to Thai nationals, long-term residents, and expatriates alike.
Structured Materials
Every program includes thoughtfully prepared reading and reference materials. What you learn in session is supported by what you can read at home.
Respectful Facilitation
Our educators are trained to create space for honest conversations โ including those between partners โ without judgment or pressure.
Personal Documentation
Participants in our self-assessment program receive a detailed personal document โ a clear record of their financial picture across key dimensions.
Take the First Step
A conversation costs nothing
If you are curious about whether one of our programs is right for your situation, we welcome a short, informal conversation. There is no obligation and no sales pitch โ just an opportunity to ask questions and see if it feels like a good fit.
+66 53 271 684 ยท [email protected]
Common Questions
Things People Often Ask
Who are these programs designed for?
Our programs are developed specifically for adults over 40 living in Thailand โ whether Thai nationals, permanent residents, or long-term expatriates. The content reflects Thai financial structures and regulations, though the perspective and pace of our facilitation suits those who may be encountering these topics seriously for the first time.
Do you give financial advice or recommend products?
No. celviones is strictly an educational service. We do not provide financial, investment, or tax advice, and we never recommend financial products. Our role is to help participants develop a fuller understanding of their own situation and the wider financial environment โ decisions about what to do with that understanding remain entirely with you.
Where do sessions take place?
Sessions are held at our offices on Tha Phae Road in Chiang Mai's Chang Khlan district. The space is comfortable and designed with privacy in mind. If you have specific accessibility or scheduling requirements, please mention them when you get in touch โ we do our best to accommodate.
What is the language of instruction?
All programs are currently delivered in English. The regulatory content in our Thai Financial Regulations series covers Thai law but is explained entirely in English. If you have questions about language arrangements, please contact us before enrolling.
How do I register for a program?
The simplest way is to fill in the contact form on this page or call us directly. We will arrange a brief introductory call to answer any remaining questions and, if it seems like a good fit, help you choose a cohort date that works for your schedule.
What is included in the program price?
All listed prices cover the complete program โ all sessions, printed and digital reference materials, and where applicable, the personal assessment document produced at the end of the engagement. There are no additional fees unless explicitly discussed in advance.
Find Us
Our Location in Chiang Mai
18 Tha Phae Road, Chang Khlan, Mueang Chiang Mai, Chiang Mai 50100
Get in Touch
We'd Like to Hear From You
Contact Details
Phone
+66 53 271 684Address
18 Tha Phae Road, Chang Khlan
Mueang Chiang Mai, Chiang Mai 50100
Thailand
Office Hours
Monday โ Friday: 9:00 AM โ 5:30 PM
Saturday: 10:00 AM โ 2:00 PM
Sunday: Closed