creveling & creveling private wealth advisory

Creveling & Creveling Private Wealth Advisory Creveling & Creveling is a fee-only private wealth advisory firm specializing in helping expatriates living in Thailand and throughout Southeast Asia build and preserve their wealth. Through our unique, integrated consulting approach, we are dedicated to helping our clients cut through the financial intricacies of expatriate life, make better decisions with their money, and take the steps necessary to provide a more secure future.

About Creveling & Creveling

3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

• Initial financial review

• Customized global portfolio design

• Currency decisions

• 401(k), 403(b), IRAs, and corporate pension plans

• Tax and fee minimization

• Retirement / goal funding strategies

• Insurance needs

Wealth Advisory and Financial Planning ServicesAt Creveling & Creveling, our goal is to help you make smart financial and investment decisions year after year. Our detailed wealth advisory service encompasses a thorough initial review and ongoing support covering all of the following relevant areas and more:

• Dual-nationality marriage considerations

• College funding strategies

• Executive compensation maximization

• Stock option / RSU analysis

• Home and investment property purchase analysis

• Buy / rent decisions

• Tax planning

• Estate planning

• LTF / RMF, provident funds, and Thai investments

• Net unrealized appreciation analysis

• Lump sum vs. annuity decisions

• Pre-retirement decision making and structuring

As long-time Thai residents and financial professionals, we understand the financial challenges faced by many expatriates—the lack of clear and complete information, conflicting tax jurisdictions, currency issues, confusing local and home country regulations, and international marriages—among a myriad of other issues.

We know it can be difficult to find unbiased advice that incorporates both the local and global perspective required by most expats and that truly addresses the range of financial planning and investment issues they face. Our goal is to serve as your private wealth advisor guiding you through the various facets of your financial life to help you make better financial decisions, increase your household wealth and create a more secure future.

Creveling & Creveling AdvantagesAt Creveling & Creveling, we provide a unique, personalized wealth advisory service rarely found in Southeast Asia. Beyond

the specific value obtained from ongoing financial planning and investment advice, our holistic approach provides clients a

myriad of benefits that set us apart from typical U.S. and offshore advisors.


Holistic Wealth Advisory Services• Specializing in financial planning and investment advice for expatriates

• Extensive discovery process serves as foundation for advice

• Customized advice only—no product sales

• Incorporates special tax rules for U.S. expatriates

• Custom portfolio design

• Globally oriented investment advice including local market products

• Investment advice integrated with ongoing, extensive financial planning support

Highest Level of Regulation, Education & Transparency• Transparent fee-only compensation

• Voluntarily regulated by the U.S. Securities and Exchange Commission (SEC)

• Licensed by the Thai Ministry of Finance and regulated by the Thai SEC

• Legally responsible as fiduciaries to act in our clients’ best interest

• All advisors hold the Chartered Financial Analyst (CFA) designation - a post-graduate level investment designation

Personal Service & Customized Solutions• Personalized attention and ongoing support

• Customized financial planning and investment advice for each unique situation

• Low client-to-advisor ratio

• Collaboration with our clients’ other advisors

International Professional Network• Institutional relationships with leading custodians in both the U.S. and offshore markets

• Memberships with top industry organizations and associations


Compare Creveling & Creveling With Others Creveling & Creveling U.S. Brokerages Offshore Brokers/Advisors

FINANCIAL ADVISORy

Specializes in financial planning advice for expatriates

Comprehensive planning used as foundation for advice

Customized advice vs. product sales

Integrates special tax rules for U.S. expatriates

INVESTMENT ADVISORy

Custom portfolio design

Designed for expats

Recommends custodians and products appropriate for U.S. clients

Recommends custodians and products appropriate for non-U.S. clients

Incorporates local market products

Integrated with comprehensive financial planning

COMPENSATION STRUCTURE

Transparent fee-only compensation

Conflicts of interest removed

SERVICE

Personalized ongoing attention

Low client-to-advisor ratio (<25:1)

Collaboration with client’s other advisors

REGULATORy OVERSIGHT

Advisor regulated in Thailand

Advisor regulated by U.S. SEC or other regulatory authority

Advisor holds recognized professional qualifications

Advisor held to a fiduciary standard

yes Partially Generally No

When you’re ready, we welcome the opportunity to help you get the most from your international life.

Our Approach At Creveling & Creveling, we provide an integrated approach to your financial planning and investment needs. Our belief

is that the financial decisions that go into wealth accumulation and preservation need to be considered holistically. This is

especially true for many expatriates who face complex tax, regulatory, and practical situations when managing their finances.

We believe that financial decision making and the management of your financial affairs is not a one-time event. Wealth is only

created by continuously making smart financial and investment decisions as your career and life evolve.


Our ProcessWealth is created through the compounding of sound financial and investment decisions over a lifetime. It is not created with

an intermittent focus on your affairs or with the type of cursory financial advice received incident to the sale of a financial

product or investment scheme. That is why we have designed a unique, consultative approach to providing Southeast Asia’s

expatriate community with the type of ongoing professional support they need to achieve their financial goals as they pursue

their lives abroad. Our aim is to provide you with the specialized, professional advice you need throughout your life so you

can make the smart financial and investment decisions required to help you reach your goals.

We do not sell financial products or receive compensation from any product or service provider. This allows us to focus

on working solely in your best interest to deliver cost and tax-efficient, customized solutions to meet your unique financial

planning and investment needs.

Initial Data Gathering

Analyze& Evaluate

ImplementRecommendations

Present Recommendations

MonitorProgress

Make Adjustments & Develop New

Strategies

Financial planning is an ongoing process, not a

one-time event. Success is achieved through

the compounded value of consistently making decisions over time.

Define the Relationship

Wealth Advisory Services


Retirement Planning• Retirement Structuring for Retirees• Considerations for Retirees in Thailand• Optimal Distribution Strategies• Social Security Decisions • Annuity Analysis and Considerations• Retirement Cash Flow Modeling• Feasibility and Scenario Analysis• Required Minimum Distributions• Pension Maximization• Reverse Mortgage Evaluation• Determination of Maximum Withdrawal Rates

Investment Advisory• Customized Global Portfolios• Advice on all Accounts—IRAs, 401(k)s, Taxable• Integrates Assets Across Multiple Tax Jurisdictions• Tax and Fee-Efficient Investing • Concentrated Stock Position Evaluation• Stock, Bond, Currency Decisions• Assessment of Risk Capacity and Tolerance• Performance Tracking and Reporting

Tax Planning• Tax Minimization Strategies• Effective Utilization of IRAs, 401(k)s,403(b), etc.• Effective Utilization of Thai Provident Funds, LTFs, RMFs• Tax Minimization Strategies for U.S. Citizens Married to Non-US Citizens• Tax Minimization Strategies for U.S. Expats (Incorporating PFIC/ CFC Rules)• Tax-Efficient Distribution Strategies for Retirees

Education Planning• Determination of College Funding Requirements• Calculation of Savings Targets• Tax-Efficient Funding Strategies• Best 529 Plans for U.S. Expats• Asset Allocation and Fund Selection

Risk Management• Life Insurance• Disability Insurance• Long-Term Care Insurance• Mitigation of Currency Risk• Mitigation of Longevity Risk for Retirees• Hedging Strategies

Financial Management• Budget Development• Offshore Custodian Selection and Account Consolidation• Integration with Other Advisors (Tax, Legal, Insurance)• Simplification of Financial Situation• Financial Decision Making Support• Implementation Support and Accountability• Financial Education

Executive Compensation Planning• Maximization of Employment Benefits• Stock Option vs. Restricted Stock Decisions• Stock Option Planning and Optimization• Warrant Analysis and Optimization• Net Unrealized Appreciation Analysis• Lump Sum vs. Annuity Decisions

Financial Decision Making• Buy vs. Rent Decisions• Analysis of Investment Property• Analysis of Mortgage/Financing Options• Second Opinions on Investments• IRA/Roth IRA Rollover Analysis• Facilitation of Goal Setting• Consumption Decisions

Client

creveling & creveling private wealth advisory

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