Financial Disclosure

1 General information on the website

The website explains the questions involved in planning your finances for life in Thailand. It is general information, written for a wide audience.

It is not a recommendation to buy, sell or hold any investment or financial product, and it does not take your objectives, finances or needs into account.

2 The personalised financial planning service

Thailand Ready offers a personalised financial planning service for US$990. It is sold by Revenue Studio Company Limited and delivered personally by Ravipas Chaloenchansa, CFA, CFP®.

What the service may include

Personal planning around:

• cash flow
• retirement sustainability
• income and expenses
• healthcare costs
• insurance costs within your budget, not the choice of a policy or insurer
• liquidity
• housing
• visa-related funding considerations
• currency exposure, at a planning and cash-flow level
• major future expenses
• family and legacy considerations, at a planning level
• a factual inventory of your assets and investments, for balance-sheet, cash-flow and liquidity context
• how your financial resources relate to your life goals

Information about your investments is used as facts about your overall position: what you hold, what resources it gives you for cash flow and retirement, how readily it can be turned into cash, and what you owe. It is not analysed as a securities portfolio.

Currency is treated in the same way. Your income or assets may be in one currency while your living costs are in Thai baht, and movements in exchange rates can affect a plan.

What the service does not include

The service does not provide:

• personalised recommendations about individual securities, such as stocks, bonds, ETFs, mutual funds or other specific funds
• recommendations about categories of securities, asset allocation, diversification, rebalancing or portfolio concentration
• a securities portfolio strategy, or a view on the relative merits of securities or categories of securities
• recommendations to buy, sell or hold
• execution of securities transactions
• custody of assets
• discretionary portfolio management
• brokerage
• recommending, comparing or arranging an insurance policy or insurer
• recommendations to trade currencies, use derivatives, hedge exchange rates or buy a specific currency product
• personal legal advice
• personal tax advice

Where a legal or tax question comes up, we may point it out and refer you to a qualified specialist.

3 Who delivers the service

Ravipas Chaloenchansa is a CFA® charterholder and CFP® professional. His CFP® certification is held in Thailand. The CFA® designation and CFP® certification are professional credentials.

He is also approved as an individual by the Securities and Exchange Commission of Thailand:

Approval

Investment Consultant for Complex Instruments Type 2

4 Customers outside Thailand

Our customers live in many countries, including the United States.

• Ravipas’s Thai approval is not an authorisation in other countries.
• The service is deliberately scoped as financial planning, not as individual securities recommendations, portfolio strategy or execution.
• Where the law in your country requires a separately regulated adviser for a particular activity, we may limit the scope of the service or refer you to an appropriate professional.

5 No guarantee, and risk

Nothing on this website, and nothing in the service, guarantees a financial result.

Investments and markets involve risk, including the risk of losing money. Changes in exchange rates can affect what your money is worth. Past performance does not predict future results.

6 Your circumstances

Financial decisions depend on personal circumstances, which differ from person to person and change over time. Our planning work depends on the information you give us being accurate and complete.

7 Commercial relationships

Revenue Studio Company Limited earns revenue from Thailand Ready products and services, and from affiliate and referral arrangements. It receives no payment from insurers, insurance agents or insurance brokers.

Separately, and outside this service, Ravipas is a licensed life insurance agent with AIA Thailand. If you choose to buy an AIA policy through him, he may receive commission from AIA personally. See How We Make Money, the Affiliate Disclosure and the Insurance Disclosure.

8 Changes to this disclosure

We may update this disclosure. The dates at the top of the page show when it took effect and when it last changed.