Financial Clarity Through Experience

We've spent years learning that budget surplus isn't just about having extra money — it's about understanding what comes next and making decisions that actually stick.

Started with Questions, Not Answers

Back in 2019, we kept meeting business owners who'd achieved something most dream of — consistent budget surplus. But then what? The excitement faded fast when they realized having extra funds brought new challenges nobody talked about.

Should they expand? Save for uncertainty? Invest in training? The advice was everywhere but rarely practical. We started documenting what actually worked for businesses navigating surplus management in Thailand's unique economic landscape.

What began as informal discussions evolved into structured educational programs. Now we help others avoid the common mistakes we've seen repeated dozens of times.

Business planning session with financial documents and charts

Who We Are

Two people who learned financial strategy through real experience, not just theory. We focus on practical education because we've made the mistakes ourselves.

Daniela Thornberg, Chief Financial Strategist

Daniela Thornberg

Chief Financial Strategist

Spent eight years helping Thai businesses navigate surplus allocation. Started after her own company nearly failed despite having money in the bank — turns out timing financial decisions matters more than the amount available.

Marcus Kellsworth, Senior Budget Analyst

Marcus Kellsworth

Senior Budget Analyst

Former accountant who realized numbers tell stories, but context determines endings. Specializes in helping businesses understand their financial patterns before major surplus allocation decisions.

Our Mission

We teach practical financial decision-making for businesses experiencing budget surplus. Not the glamorous kind of financial advice, but the kind that prevents expensive mistakes.

Our education programs run from September 2025 through March 2026, giving participants time to apply concepts gradually. We've learned that sustainable financial habits take months to develop, not weeks.

Every lesson comes from real situations we've encountered. We don't teach theoretical concepts — we share what actually worked when businesses faced similar surplus management challenges.

What Drives Us

  • Honest conversations about money management, including when we don't have clear answers
  • Education based on patterns we've observed, not promises about guaranteed outcomes
  • Understanding that every business operates differently, even with similar financial situations
  • Recognizing that financial literacy develops through practice, not just information
  • Supporting businesses through transition periods when surplus allocation decisions feel overwhelming
  • Building confidence through knowledge rather than dependence on external advice

How We Approach Financial Education

Our programs focus on developing judgment rather than following formulas. Financial situations change, but good decision-making processes remain valuable.

1

Assess Current Reality

We start by examining actual financial data, not projections or hopes. Understanding current patterns provides foundation for future decisions.

2

Identify Decision Points

Most surplus allocation mistakes happen at predictable moments. We help participants recognize these patterns in their own businesses.

3

Practice Through Scenarios

Real cases from businesses similar to yours. We discuss what happened, why certain choices succeeded or failed, and alternative approaches.

Financial analysis workspace with calculators and budget reports

Ready to Learn More?

Our next educational cohort begins September 2025. We're currently accepting applications from businesses ready to take surplus management seriously.

Get Program Details