Information about our firm and services for expats.

1. 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
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.
Wealth Advisory and Financial Planning Services
At 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:
• Initial financial review • Dual-nationality marriage • Estate planning
considerations
• Customized global portfolio • LTF / RMF, provident funds,
design • College funding strategies and Thai investments
• Currency decisions • Executive compensation • Net unrealized appreciation
maximization analysis
• 401(k), 403(b), IRAs, and
corporate pension plans • Stock option / RSU analysis • Lump sum vs. annuity
decisions
• Tax and fee minimization • Home and investment property
purchase analysis • Pre-retirement decision
• Retirement / goal funding
making and structuring
strategies • Buy / rent decisions
• Insurance needs • Tax planning
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

2. Our Process
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 are inextricably linked and need to be
considered holistically. This is especially true for many expatriates who face multifaceted tax, regulatory, and practical
complexities to managing their finances. Our process starts with a thorough review of your entire financial situation before
developing customized strategies to help you achieve your goals.
We also 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 approach
helps ensure that you develop and enact solid strategies, which we then review and refine with you on a regular basis.
Our goal is to work in partnership with you to ensure you have the type of professional ongoing support you need to make
informed decisions about your future.
Define the Present
Relationship Recommendations
Financial planning is an
ongoing process, not a
Initial Analyze one-time event. Success Implement
Data Gathering & Evaluate is achieved through Recommendations
the compounded value
of consistently making
decisions over time.
Make Adjustments Monitor
& Develop New Progress
Strategies
A global lifestyle can be exciting, adventuresome and rewarding ... but it also presents
unique financial challenges and complexity. When you’re ready, we welcome the
opportunity to help you get the most from your international life.
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

3. Creveling & Creveling Advantages
At 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 & International Professional
Customized Solutions Network
• Personalized attention and ongoing support • Institutional relationships with leading custodians in
both the U.S. and offshore markets
• Customized financial planning and investment
advice for each unique situation • Memberships with top industry organizations and
associations
• Low client-to-advisor ratio
• Collaboration with our clients’ other advisors
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

4. 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.
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

5. 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 Process
Wealth 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.
Define the Present
Relationship Recommendations
Financial planning is an
ongoing process, not a
Initial Analyze one-time event. Success Implement
Data Gathering & Evaluate is achieved through Recommendations
the compounded value
of consistently making
decisions over time.
Make Adjustments Monitor
& Develop New Progress
Strategies
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

6. Wealth Advisory Services
At Creveling & Creveling, our goal is to help you make smart financial and investment
decisions year after year. To achieve this, we examine not only your current investment
strategies, but all areas affecting your financial well being. Our service starts with a
detailed discussion of your goals and priorities along with a thorough analysis of your
current situation. We then develop and help you implement specific financial planning
and investment strategies to help you achieve your financial and lifestyle goals.
Investment Advisory
• Customized Global Portfolios • Concentrated Stock Position Evaluation
• Advice on all Accounts—IRAs, 401(k)s, Taxable • Stock, Bond, Currency Decisions
• Integrates Assets Across Multiple Tax Jurisdictions • Assessment of Risk Capacity and Tolerance
• Tax and Fee-Efficient Investing • Performance Tracking and Reporting
Retirement Planning
• Retirement Structuring for Retirees • Feasibility and Scenario Analysis
• Considerations for Retirees in Thailand • Required Minimum Distributions
• Optimal Distribution Strategies • Pension Maximization
• Social Security Decisions • Reverse Mortgage Evaluation
• Annuity Analysis and Considerations • Determination of Maximum Withdrawal Rates
• Retirement Cash Flow Modeling
Tax Planning
• Tax Minimization Strategies • Tax Minimization Strategies for U.S. Expats
(Incorporating PFIC/CFC Rules)
• Effective Utilization of IRAs, 401(k)s,403(b), etc.
• Tax-Efficient Distribution Strategies for Retirees
• Effective Utilization of Thai Provident Funds, LTFs,
RMFs
• Tax Minimization Strategies for U.S. Citizens
Married to Non-US Citizens
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com

7. Education Planning
• Determination of College Funding Requirements • Best 529 Plans for U.S. Expats
• Calculation of Savings Targets • Asset Allocation and Fund Selection
• Tax-Efficient Funding Strategies
Risk Management
• Life Insurance • Mitigation of Currency Risk
• Disability Insurance • Mitigation of Longevity Risk for Retirees
• Long-Term Care Insurance • Hedging Strategies
Financial Management
• Budget Development • Simplification of Financial Situation
• Offshore Custodian Selection and Account • Financial Decision Making Support
Consolidation
• Implementation Support and Accountability
• Integration with Other Advisors (Tax, Legal,
• Financial Education
Insurance)
Executive Compensation Planning
• Maximization of Employment Benefits • Warrant Analysis and Optimization
• Stock Option vs. Restricted Stock • Net Unrealized Appreciation Analysis
Decisions • Lump Sum vs. Annuity Decisions
• Stock Option Planning and Optimization
Financial Decision Making
• Buy vs. Rent Decisions • IRA/Roth IRA Rollover Analysis
• Analysis of Investment Property • Facilitation of Goal Setting
• Analysis of Mortgage/Financing Options • Consumption Decisions
• Second Opinions on Investments
3 Sukhumvit Soi 30, Khlong Toey, Bangkok 10110 | Tel: +66 2 661-2716 | crevelingandcreveling.com