Client Experiences

What working with Thlunarhub has meant

Real accounts from clients who came to us uncertain, and left with clarity they could act on.

Reviews

From people who've been through it

James McAllister

British expat · Chiang Mai

When I moved to Chiang Mai two years ago, I had no idea how Thai bank accounts actually worked for foreigners, let alone what my tax situation looked like. The expat programme was exactly what I needed. It wasn't a lecture — it was a real conversation where my specific questions got real answers. The reference guide they gave me is still pinned above my desk.

Financial Awareness for Expats · March 2025

Suwannee Thongsuk

Parent · Chiang Mai

My husband and I wanted to start putting money aside for our daughter's university, but we had no framework for it — no sense of how much, in what form, or by when. Siobhan was wonderfully patient with our questions. The roadmap she produced for us made the whole thing feel manageable rather than overwhelming. We've been following it for seven months now.

Education Fund Planning · February 2025

Ravi Balachandran

Indian expat · Chiang Mai

The annual review is becoming something I look forward to each year. Priyanka has a very calm, methodical way of working through everything without making me feel I should have done better. The written report is honest — it shows where I've made progress and where I haven't — and the action plan for the coming year gives me something concrete to work from. Worth every baht.

Annual Financial Review · January 2025

Luisa Perreira

Portuguese expat · Chiang Mai

I came to Thlunarhub after being confused by contradictory information I'd found online about foreign resident tax in Thailand. What I really appreciated was that they didn't just give me another opinion — they helped me understand the framework well enough to follow it myself. That felt more valuable than being told what to do.

Financial Awareness for Expats · March 2025

Thomas Wengler

German expat · Chiang Mai

My wife and I both attended the education fund planning sessions together. Three children, different ages, different schooling paths. Siobhan handled the complexity without making it feel complicated. The roadmap document breaks everything down by child and by timeline — it's something we'll revisit as the children get older.

Education Fund Planning · February 2025

Nadia Kowalczyk

Polish expat · Chiang Mai

I'll be honest — I was sceptical going in. I expected either a sales pitch or information I could have found myself. Neither happened. The annual review was thorough in a way I hadn't anticipated; Priyanka asked questions I hadn't thought to ask myself. The report is 14 pages and I've read it more than once.

Annual Financial Review · January 2025

Case Studies

Three journeys in more detail

Alistair & Mei-Ling Morrison

Scottish/Taiwanese couple · Chiang Mai

Challenge

Arrived in Chiang Mai with separate bank accounts in Scotland and Taiwan, uncertain whether either should be closed, unsure about tax liabilities in both countries, and unclear on how to structure day-to-day finances in Thailand.

What We Covered

Three-session expat programme focused on Thai banking options, practical currency transfer routes, an overview of Thai vs origin-country tax interaction, and building a working financial structure for daily life.

Outcome

Within six weeks they had consolidated to two accounts, established a simple monthly currency transfer routine, and understood clearly what reporting they needed to manage. Both described the experience as removing a persistent background anxiety.

Chalee & Patricia Pongpanit

Thai/Australian family · Chiang Mai

Challenge

Two young children, one likely heading toward a Thai curriculum path, the other likely international school and university abroad. Parents wanted to plan savings for both simultaneously without knowing whether they could afford both aspirations.

What We Covered

Education Fund Planning programme with separate cost modelling for each child — phased by year, broken into fee categories, and modelled against two savings scenarios. Compared accessible savings instruments and built timeline contribution targets.

Outcome

The roadmap showed both ambitions were reachable with modest adjustments to their current savings rate. They described having the written document as the difference between knowing what to do and actually doing it — they revisit it twice a year.

By the Numbers