Frequently Asked Questions

Velnoras offers three main services designed to support your retirement readiness:

• Retirement Readiness Information Sessions (฿8,500) - Comprehensive group or one-on-one consultations covering all aspects of retirement planning in Thailand
• Document Organisation Checklist Support (฿6,200) - Personalized support to help you gather and organize all essential retirement documents
• Workplace Retirement Education Programme (฿45,000) - Customized retirement education for companies and organizations

All our services are focused on education and practical support, with no product sales or commission-based recommendations.

Our services are designed for anyone planning retirement in Thailand, including:

• Thai nationals preparing for retirement
• Expats planning to retire in Thailand
• People already retired who want to organize their affairs better
• Younger individuals who want to start planning early
• Companies looking to provide retirement education for employees

We welcome everyone regardless of age, nationality, or current financial situation. Our goal is to provide clear information and practical support to help you feel confident about your retirement plans.

No, we are not a financial advisory firm or investment company. Velnoras is a retirement readiness education and information service.

We do not:

• Sell financial products or insurance
• Manage investments or assets
• Earn commissions from recommendations
• Make specific investment recommendations

Instead, we provide education and practical tools to help you understand your options, organize your information, and make informed decisions about your retirement planning.

Privacy and confidentiality are fundamental to our service. We take the following measures to protect your information:

• All client data is stored in secure, encrypted systems
• We never share your information with third parties without explicit consent
• Private consultation spaces for sensitive discussions
• Staff are trained in confidentiality and data protection
• Full compliance with data protection regulations

You can read our complete Privacy Policy for detailed information about how we handle your data.

Our information sessions typically last 2-3 hours and cover key topics including:

• Thai retirement visa options and requirements
• Healthcare system navigation and insurance considerations
• Financial planning basics specific to Thailand
• Social security and provident fund information
• Lifestyle and housing options for retirees
• Tax implications for Thai nationals and expats

Sessions include plenty of time for questions and discussion. You'll receive comprehensive resource materials to take home. Sessions are available in both group and private one-on-one formats.

Our Document Organisation Checklist Support service includes:

• Customized checklist of documents you need based on your situation
• Clear guidance on why each document is important
• Organization templates and filing system recommendations
• Timeline for gathering and renewing documents
• Tips for secure storage of digital and physical copies
• Follow-up support to ensure you complete the process
• Updates if document requirements change

This service is especially helpful if you feel overwhelmed by paperwork or aren't sure what documents you'll need for retirement in Thailand.

Yes! Our Workplace Retirement Education Programme is designed specifically for organizations. We work with companies of all sizes across Thailand to provide comprehensive retirement education for employees.

The programme includes:

• Customized content based on your workforce demographics
• Multiple workshop sessions covering essential topics
• Financial literacy and savings strategies
• Healthcare planning education
• Individual consultation opportunities for employees
• Comprehensive resource materials for all participants

Contact us to discuss your organization's specific needs and receive a customized proposal.

Yes, we offer bilingual services in both Thai and English. Our team includes native Thai speakers and experienced English-speaking professionals.

All our services, including consultations, workshops, and resource materials, are available in Thai. We can also provide sessions in both languages for mixed groups or families with members who speak different languages.

Our services are priced as follows:

• Retirement Readiness Information Sessions: ฿8,500 (group or one-on-one)
• Document Organisation Checklist Support: ฿6,200
• Workplace Retirement Education Programme: ฿45,000 (customized for organizations)

All prices are transparent with no hidden fees. What you see is what you pay. We do not charge commission or earn money from product recommendations.

We accept multiple payment methods for your convenience:

• Bank transfer (Thai banks)
• Credit and debit cards
• Cash payments at our office
• Mobile payment apps (PromptPay, etc.)

Payment is typically required before services are delivered. We will provide clear invoices and receipts for all transactions.

We want you to be satisfied with our services. If you need to cancel or reschedule:

• Cancellations made 7+ days before scheduled service: Full refund
• Cancellations made 3-6 days before: 50% refund
• Cancellations made less than 3 days before: No refund
• Free rescheduling available for appointments with reasonable notice

Please see our full Refund Policy for complete details.

For expats, the main retirement visa option is the Non-Immigrant O-A (Long Stay) visa. Basic requirements typically include:

• Being at least 50 years old
• Meeting financial requirements (typically ฿800,000 in a Thai bank account or ฿65,000 monthly income)
• Health insurance coverage
• Clean criminal background
• Valid passport

Requirements can change, so we help you understand current regulations and prepare properly. This is covered in detail in our Information Sessions.

Healthcare in Thailand has several options:

• For Thai nationals: Universal healthcare coverage through the government system, plus optional private insurance
• For expats: Private health insurance is typically required for retirement visas. Many international and local insurance options are available
• Thailand has excellent healthcare facilities, especially in Bangkok, with many internationally accredited hospitals
• Healthcare costs are generally lower than in Western countries, even for private care

We help you understand your healthcare options and insurance requirements in our consultation sessions.

The short answer: as early as possible! However, it's never too late to start.

Ideal timeline:

• 5-10 years before retirement: Start learning about options, begin organizing documents, and plan finances
• 2-5 years before: Finalize plans, ensure documents are in order, make major decisions about location and lifestyle
• 1-2 years before: Execute your plan, complete visa applications if needed, arrange housing
• Already retired: We can still help you organize affairs and optimize your retirement situation

Our services are valuable at any stage of your retirement planning journey.