Our Programs
Three Programs, Each With a Purpose
A closer look at what each celviones program covers, how it works, and who it is suited for.
Back to HomeOur Approach
How We Structure Financial Education
Every celviones program is designed around a simple premise: most adults over 40 have more financial experience than they have financial clarity. The programs do not begin from scratch — they begin from where participants actually are, and work to build a more organised, more complete picture.
Sessions are facilitated by educators who understand both the content and the particular needs of adults in mid-to-later life who are often managing complex situations — a mix of employment income and other assets, shared finances with a partner, insurance policies accumulated over decades, and questions about what retirement will look like.
The structure of each program is fixed, but the discussion within that structure is responsive. Participants bring their questions. The educator brings knowledge and a framework. What results is an education that is organised without being rigid.
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.
- Private group setting — max four couples per cohort
- 90-minute sessions with guided partner exercises
- Reference materials for both partners included
- Neutral facilitation for productive conversation
- No product recommendations at any point
Program Fee
฿10,500 per coupleHow the Five Sessions Are Structured
Financial Mapping
Overview of each partner's financial picture and shared position
Joint Budgeting
Approaches to shared budgeting that work for both partners
Insurance Review
Understanding combined coverage, gaps, and overlaps
Retirement Outlook
Each partner's retirement position and how they interact
Going Forward
Consolidating learning and planning productive next conversations
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 English without technical jargon.
- Suitable for Thai nationals and long-term residents
- 90-minute sessions with supplemental reading materials
- Plain language, no legal jargon
- Covers Bank of Thailand frameworks and SEC regulations
- Annual content review to reflect current regulations
Program Fee
฿26,000 per personFour Sessions, Four Regulatory Areas
Banking Regulations
Thai banking law, deposit protections, and your rights as a bank account holder in Thailand
Investment Protections
SEC oversight, mutual fund structures, and what protections apply to investment products sold in Thailand
Insurance Oversight
OIC regulation, life and non-life frameworks, and how Thai insurance policies are governed
Consumer Rights
Complaint procedures, dispute resolution paths, and practical steps when financial institutions act improperly
Comprehensive Financial Self-Assessment
A guided individual engagement where a financial educator helps you conduct a thorough self-assessment of your financial health across multiple dimensions — savings adequacy, debt structure, insurance coverage, investment awareness, and retirement readiness. Three private sessions over four weeks, each two hours long. The educator does not provide advice or product recommendations.
- Fully private, one-to-one engagement
- Three sessions of two hours over four weeks
- Covers five financial dimensions comprehensively
- Detailed personal assessment document upon completion
- No advice, no product recommendations
Program Fee
฿57,500 per personFive Dimensions Assessed Across Three Sessions
Savings
Adequacy and structure of your savings position
Debt
Structure, cost, and clarity of existing debt
Insurance
Coverage levels, gaps, and policy understanding
Investments
Awareness of what you hold and how it is structured
Retirement
Readiness assessment across income, assets, and outgoings
Compare Programs
Which Program Fits You?
Use this overview to identify which of our three programs best matches your current situation and goals.
| Feature | Couples Foundations | Thai Regulations | Self-Assessment |
|---|---|---|---|
| Format | Group (couples) | Group (individuals) | Individual (private) |
| Sessions | 5 × 90 min | 4 × 90 min | 3 × 2 hours |
| Fee (THB) | ฿10,500 | ฿26,000 | ฿57,500 |
| Best for | Couples wanting shared understanding | Those new to Thai financial law | Individuals wanting full financial clarity |
| Personal assessment doc | — | — | ✓ |
| Take-home materials | ✓ | ✓ | ✓ |
| Thailand-specific content | ✓ | ✓ | ✓ |
Shared Standards
What All Three Programs Have in Common
No Product Sales
No financial product is ever recommended or offered in any celviones program.
Participant Privacy
Financial information shared during sessions is not disclosed outside the program.
Current Content
Curriculum is reviewed annually against current Thai regulatory frameworks.
Qualified Educators
All sessions are led by educators who designed the curriculum they teach.
Pricing
Program Investment
All prices are in Thai Baht and cover the complete program, including all sessions and materials. No additional fees unless separately agreed.
Couples
Financial Foundations for Couples
฿10,500
per couple · 5 sessions
- 5 × 90-minute sessions
- Small group — max 4 couples
- Materials for both partners
- Guided partner exercises
Regulatory
Thai Financial Regulations
฿26,000
per person · 4 sessions
- 4 × 90-minute sessions
- Supplemental reading materials
- Current Thai regulatory content
- Suitable for nationals and residents
Individual
Comprehensive Self-Assessment
฿57,500
per person · 3 sessions
- 3 × 2-hour private sessions
- 5 financial dimensions covered
- Personal assessment document
- Fully private engagement
Not sure which program is right for you?
A short initial conversation is always free. We will listen to where you are and suggest — without pressure — which program, if any, might be worth your time and consideration.
Start a Conversation