CloudRelay Financial Planning — built for the way independent consultants actually earn.
We turn irregular consulting income, project fees and contract retainers into a working financial plan — cash-flow mapping, tax-aware structuring and a reserve that holds when a client pays late.
If your income lands in lumps, this is your planning.
Independent consultants live with a rhythm most advisers ignore: a piece of work closes, an invoice goes out, payment lands weeks later, and the next engagement is already starting. Advice built for a steady monthly salary does not fit that reality.
We work with self-employed consultants in Bangkok and across Thailand — IT contractors, design freelancers, marketing consultants, advisory associates and interim managers — who need a plan that accounts for uneven income, quiet stretches between clients, and the tax rules that apply whether you practise in your own name or through a small company.
A four-step process, led by your numbers.
No off-the-shelf plan. Every engagement starts from your actual invoices, contracts and cash position, then moves through a fixed sequence so you know what happens next.
- Step 01 · Intake
We map how money actually moves
A 60-minute session where we lay out your client agreements, how you bill, what work is in your pipeline, and the costs you have to cover every month — then locate where the pressure sits.
- Step 02 · Diagnosis
We find the gaps a salary-based plan misses
We run your earnings across strong and quiet quarters, stress-test your reserve against a client who pays late, and flag the tax exposures that come with consulting income.
- Step 03 · Plan
You receive a written financial plan
A documented plan covering cash flow, reserve targets, tax-aware structuring and a buffer for quiet stretches — delivered as a PDF you can act on, not a slide deck.
- Step 04 · Review
We revisit it against real results
A follow-up checks the plan against what genuinely happened with your billing and filings, and updates the targets for the two quarters ahead.
We do not publish client testimonials or ratings. Instead, the evidence for our work is the process above, the written plan you receive, and the credentials in the footer of every page.
— The practice, stated plainly.
Cash flow, reserves, tax-aware structure — for consultants.
Cash-flow planning that models the gaps between engagements rather than smoothing your income into an average month. Reserve targets sized to how you actually bill. Tax-aware structuring for the way a consultant earns in Thailand. And a clear view of what to do when a client pays late.
Each engagement is scoped to your situation — a single planning session, a full written plan, or an ongoing review relationship. Prices start at THB 12,000 for an intake and diagnosis.