Established 2014
The registered business name is Reason Ripple Financial Planning Co., Ltd.. The practice was established in 2014 and still meets clients at the same address in Narathiwat.
In 2014 Niran Chaiyaporn took a small upper room in Tambon Kaluwo, a short walk from the market streets of Amphoe Mueang Narathiwat. For the decade before that he had sat with teachers and provincial office staff after hours, reading the pension letter they had been afraid to open alone. The letters were rarely mysterious. They were dense, and the household wanted a second pair of eyes before answering a clerk.
The work grew because the deep south does not retire on a single product. A household might hold a government pension or a social-security old-age benefit, a provident fund from a private employer, gold kept at home, and a ground-floor room that is sometimes rented. Reason Ripple was registered as Reason Ripple Financial Planning Co., Ltd. so that those mixed papers could be read under one business name, in one office, rather than as favours between neighbours.
Malee Suthida joined in 2019. She had studied accountancy at Prince of Songkla University and was tired of watching couples argue about a pension figure while neither of them had written down the market spend. She brought the four-week notebook. The office stayed in Kaluwo. Clients did not need a trip to Bangkok to learn whether an ordinary month would hold.
Principal planner. He holds the Certified Financial Planner designation through the Thai Financial Planners Association and an investment consultant licence from the Securities and Exchange Commission of Thailand. Clients still place their own orders at their bank or fund office. Niran’s work is the reading and the written note.
Household spending. She completed associate coursework with the Thai Financial Planners Association and leads the cash-flow mapping. She sits in on a readiness review when the spending pages need the notebook rather than memory.
We work on paper, in a room with a table large enough for the letters to lie flat. The first part of any new relationship is an opening conversation of about forty minutes. It has no fee. Its job is to find the retirement date the household is actually considering, and to see whether the papers in hand are enough for a review or whether a narrower sitting — letters only, or spending only — is the honest scope.
English is the language of the notes on this site and of the written work when a household asks for it. Thai originals are read as Thai. We do not paraphrase a figure we have not seen.
If you want to know whether your own letters belong in a readiness review, write to the office or telephone 073532910.