What the consultations cover
LogicNest Financial Planning offers inquiry-based consultations rather than off-the-shelf packages. Each engagement begins with a written inquiry and ends with a plain-language plan drawn from your figures. Two consultations are available; both are paid single sessions, not subscriptions.
Debt repayment consultation
We take your outstanding balances, interest rates, minimum payments and income rhythm and model two repayment sequences against them — the avalanche method (clear the costliest balance first) and the snowball method (clear the smallest balance first). You receive a written comparison showing the months-to-clear and total interest for each, plus a recommended sequence and the monthly figure to commit. Where a balance transfer or consolidation could lower cost, we note the conditions to check rather than recommend a specific product.
Emergency-fund consultation
We size an emergency fund to your actual situation: income stability, dependants, fixed obligations, and any employer notice or severance entitlements. The output is a staged target — a one-month starter, then a three-month working fund, then a longer buffer where it is justified — with the monthly contribution that keeps repayment on track. We also define what counts as an emergency for your household, so the fund is not drained by spending that should be planned instead.
How a consultation runs
- Inquiry. You send a short description through the contact form. We reply by email with the documents to gather and the session fee.
- Session. A scheduled conversation, in person at the Lad Phrao office or by video call, working through your figures.
- Written plan. Within five business days you receive a short plan covering repayment sequence, emergency-fund target, and the monthly figures that tie them together.
Fees
Fees are quoted per consultation in the scoping email and confirmed before any session is booked. We do not publish a price list because the scope of each consultation is set by the inquiry. Where a consultation is paid and then cancelled, the refund policy on this site applies.
What this is not
These consultations do not provide investment management, securities recommendations, tax filing, or formal debt-restructuring or insolvency representation. They produce a personal repayment and emergency-fund plan based on the figures you supply.