CoreLumen Family Planning builds education savings plans around the questions families actually ask.
Tuition rises faster than pay cheques, and the right moment to start saving is rarely the one families choose. We work through inquiry-based consultations that turn a household's real numbers into a plan for school fees — and the years around them.
Most families in Bangkok meet education costs reactively — when the invoice arrives, when a child changes schools, or when a parent's income drops. By then the cheapest options have closed. These are the gaps an inquiry-led consultation is built to surface first.
A piggy bank only holds what you put in — and only if you start.
Cost drift
Tuition rarely moves in a straight line.
International and bilingual programmes in Bangkok can raise fees in steps that outpace savings growth and salary increases. A plan built on last year's invoice understates the next one. We model the fee ladder your child is actually walking, not a flat average, so the savings target reflects the years that cost the most.
Late starts compound quietly.
Starting five years late is not five years of catch-up — it is a different plan. We quantify the difference and show where the gap can still be closed.
Fee structures hide the real number.
Application, development, activity and facility charges sit outside the headline tuition figure. We list them against your target schools before setting a savings rate.
The approach
How an inquiry-led consultation closes that gap.
We do not open with a product. We open with your questions, then work the numbers back from them. Each step below is a conversation, not a sales call.
01
Inquiry — you bring the question.
Start with what you want to know. We frame the session around it and agree the fee before any work begins, so the consultation is shaped by your question rather than a product we want to move.
02
Fact-find — the household numbers, in your currency.
Bring the numbers that matter: what you earn, what you spend each month, what you have saved, and the fee schedules for your shortlisted schools. We keep the figures in THB and record each assumption the plan leans on, so nothing is left implied.
03
Plan draft — a savings path mapped to the fee ladder.
A written draft ties your monthly savings to the most expensive fee years. When the goal exceeds what current income can carry, the draft flags it plainly and lists the trade-offs you actually have.
04
Review — the plan is checked against what changed.
Revisit the plan when life moves. A fee hike, a sibling joining the plan, or a switch of schools re-runs the numbers so the draft stays honest instead of drifting off course.
What a consultation can cover
Four questions a consultation answers.
An education savings fund
How much to set aside each month so a target school is affordable when fees peak, with the rate tied to the actual fee ladder.
A school-funding timeline
Which years the plan must cover, when the heaviest fees fall, and how to keep earlier savings working until they are needed.
Family protection alongside savings
What happens to school fees if a parent's income stops — and how to keep the plan standing without raiding the education fund.
Contingency for fee shocks
A re-run of the plan against a step-change in fees or currency, so a single bad year does not unwind several years of saving.
Who this is for
Where a consultation helps — and where it does not.
A consultation fits when you have a question with numbers behind it.
You are saving for a child's schooling in Bangkok and want a rate tied to real fee schedules.
A second child, a school move, or a change in income has made an older plan unreliable.
You want a written draft you can compare with advice from another source.
You are deciding between programmes and want the cost gap quantified before you choose.
It is not for
Guaranteed returns or a promise to beat the market.
A product sale dressed up as a plan.
What we will not claim
No ratings, no testimonials, and no performance history are presented on this site. Where a figure is shown, it is a modelled assumption, not a forecast.
Bring us your question. A consultation starts with what you want to understand, not with a product. We will scope it and send a written draft.
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