What working with us actually looks like
We are a small, focused practice with a clear orientation: education without sales. Here is why that matters for the people who come to us.
← Back to HomeSix things that shape our approach
No financial products sold
Fernglen holds no licenses to sell insurance, investments, or credit products. That removes the most common source of bias in financial guidance.
Thailand-specific knowledge
Property ownership rules, tax structures, and local banking norms in Thailand differ significantly from other countries. Our programs address that context directly.
Personalized from the start
Each program begins with an intake conversation. We learn your situation before we share anything, so the content we cover is relevant rather than generic.
Unhurried session format
Sessions are spaced to allow reflection between them. We do not push participants through content — we pace learning to match how understanding actually develops.
Documented outputs
Programs include written materials — a risk landscape map, a property comparison report, or a curriculum outline — so the learning continues after sessions conclude.
Confidential by design
Everything discussed in sessions stays between us. No information is shared, referenced in marketing, or used in any way beyond delivering your program.
Years of focused practice in financial education
Our team brings over a decade of combined experience in financial education, property market analysis, and curriculum design across Thailand and the wider region. That experience is narrow on purpose — we do not attempt to cover everything in finance, which means the areas we do cover are well-developed.
- Educators with backgrounds in economics and financial planning
- Ongoing professional development in Thai financial regulation
- Direct experience with Thai property and banking markets
14+
Years Experience
340+
Participants Served
3
Specialist Programs
97%
Positive Feedback
Our session structure
- 1
Intake conversation
We understand your context, goals, and current knowledge before any program begins.
- 2
Structured sessions
Sessions are delivered at intervals that allow reflection and questions between each.
- 3
Documented outputs
Each program concludes with written materials for ongoing reference.
- 4
Follow-up support
Participants may contact us with follow-up questions for 30 days after their program concludes.
Tools that make analysis clearer
For the Renting vs. Buying program, we work with financial modeling that accounts for real Thai market conditions — mortgage rates from local banks, condo association fees, Land Department transfer costs, and the opportunity cost of a deposit over varying investment assumptions.
Rather than generic spreadsheets, our models are built around your specific numbers and adjusted for the property category and region you are considering. The output is a comparison you can actually use, not a theoretical exercise.
A respectful, considered experience
Working through financial questions can feel exposing. People sometimes feel embarrassed about gaps in their knowledge, or anxious about the decisions they face. We approach sessions with care for that context — keeping language clear, never making participants feel judged, and creating space for questions at every point.
- No jargon without explanation
- Responses to enquiries within one business day
- Flexible scheduling including early mornings and Saturdays
- Online sessions available for those outside Chiang Mai
Transparent, session-based pricing
Each program is priced at a flat fee with no hidden charges, no add-on upsells, and no ongoing subscription. You pay for a defined number of sessions and a written deliverable.
- Risk Awareness Program — ฿4,500 (3 sessions)
- Property Analysis Service — ฿7,000 (2 sessions + report)
- Curriculum Design — ฿32,000 (5 sessions + full guide)
How Fernglen differs from typical options
The table below compares common approaches to financial guidance with what Fernglen offers.
| Feature | Typical Providers | Fernglen |
|---|---|---|
| Financial products sold | None — education only | |
| Commission-based advice | No commissions | |
| Thailand-specific content | Rarely | |
| Personalized to your situation | Often generic | |
| Written deliverables included | Varies | |
| Transparent flat pricing | Often unclear |
Distinctive features of our practice
Personal risk landscape mapping
Our Risk Awareness Program produces a visual representation of your specific financial risk profile across five categories. This is not a generic questionnaire output — it is built from the details of your situation over three sessions.
Thailand-calibrated property modeling
The Renting vs. Buying Analysis uses inputs drawn from Thai Land Department records, local mortgage rates, and condominium fee structures — not international defaults. The result is a comparison that reflects what actually happens in Thai property transactions.
Curriculum design for real delivery
Unlike generic curriculum frameworks, our designs are built around the actual capacity of the organization commissioning them. We help you design something your team can implement — not an aspirational document that stays on a shelf.
30-day follow-up access
Questions often arise in the weeks after a program concludes — as people apply what they have learned to real decisions. All participants have email access to the team for follow-up questions for 30 days after their program ends.
Professional milestones
Chiang Mai Business Excellence
Education Services — 2024
Financial Literacy Council
Certified Member since 2021
Northern Thailand Education Forum
Featured Speaker — 2023, 2024
Thailand Community Finance Network
Partner Organization since 2022
Take your time — then reach out when ready
There is no urgency here. When you feel ready to explore whether one of our programs is a good fit for your situation, we would be glad to hear from you.
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