Financial Planning That Actually Works
We've been helping people in Vietnam build sustainable financial futures since 2022. No magic formulas or unrealistic promises—just practical planning that fits real life.
How We Started
Back in 2022, I was sitting in a coffee shop in Ho Chi Minh City, watching another friend stress about money. She had a decent job but couldn't figure out why she was always broke by month's end. Sound familiar?
That's when it hit me—most people aren't bad with money. They just never learned how to plan beyond next month. Traditional budgeting advice felt too rigid, too Western, too disconnected from how Vietnamese families actually handle finances.
We decided to create something different. A planning approach that actually makes sense for people who send money home to family, deal with cash-heavy local economies, and plan for both individual and family goals.
Three years later, we've helped over 800 individuals and families create financial plans that actually stick. Not because we're financial geniuses, but because we understand the real challenges people face here.
What We Actually Do
We help you create budget plans that work for 3-5 years, not just next month. Here's how we think about it:
Real-World Planning
We factor in Tet bonuses, family obligations, irregular income, and all the stuff traditional budgeting ignores. Your plan needs to work with your actual life, not some textbook scenario.
Long-Term Thinking
Where do you want to be in 2028? We help you map out the financial stepping stones to get there. Whether it's buying property, starting a business, or supporting aging parents.
Practical Education
We teach you the skills to adjust your plan as life changes. Because it will change—new job, marriage, kids, market shifts. You need tools that adapt.
Meet Our Team
Nhan Kowalski
Lead Planning ConsultantWhy We Get It
Our founder Nhan grew up in a Polish-Vietnamese household, watching his parents navigate two completely different financial systems. He learned early that cookie-cutter advice doesn't work for multicultural families.
After working in traditional banking for five years, he got frustrated watching good people make bad financial decisions because they were following advice that didn't fit their situation.
Our Background
We're not just financial planners—we're people who've lived in Vietnam long enough to understand how money actually flows here. We know about informal lending circles, family financial obligations, and the challenge of planning when half your income might be in cash.
Our team includes former bankers, small business owners, and people who've successfully navigated major financial transitions themselves.
How We Work
We don't believe in one-size-fits-all solutions. Every family's situation is different, and every person's relationship with money has its own complications.
Our process starts with understanding your actual financial life—not what you think it should look like, but how money really moves in and out of your accounts. From there, we build a plan that makes sense for your specific situation.
What Makes Us Different
No Unrealistic Promises
We won't tell you that following our plan will make you rich. We will help you create a sustainable financial path that reduces stress and increases your options over time.
Cultural Understanding
We factor in Vietnamese family financial dynamics, local business practices, and the reality of living in a developing economy. Your plan works with your culture, not against it.
Long-Term Perspective
While others focus on monthly budgets, we help you think in 3-5 year cycles. Where do you want to be by 2029? Let's build a path to get there.
Practical Education
We teach you the reasoning behind every decision so you can adapt your plan as circumstances change. You're not just following instructions—you're learning skills.
Honest Communication
If your goals aren't realistic with your current income, we'll tell you. If you need to make difficult choices, we'll help you think through them clearly.
Ongoing Support
Life changes. Jobs change. Markets change. We're here to help you adjust your plan when those changes happen, not just create it once and disappear.
