Monthly structure
We list recurring inflows and fixed outflows, then mark which weeks carry heavier pressure so you can plan transfers in advance.
Flow Strata Financial Planning
When income arrives on different dates and fixed costs stack up mid-month, a household budget on paper rarely shows where cash will run short. We help Seoul-area households map inflows, obligations, and discretionary spending into a cash-flow plan you can follow week by week.
The gap between a budget and your bank balance
Many families track categories yet still face overdraft risk because timing is missing. A rent transfer on the 25th and a salary on the 28th can look balanced monthly while the account dips in between.
We focus on personal cash-flow planning: aligning due dates, sinking funds for irregular bills, and setting guardrails for variable spending. Consultations are conversation-based; we do not sell investment products or promise returns.
What we review together
Irregular costs
Insurance renewals, school fees, and annual subscriptions get spread into monthly set-asides instead of surprise lump sums.
Cash-flow planning is not about cutting every pleasure — it is about knowing which weeks need restraint and which can flex.
Consultation sessions
Sessions take place at our Gangnam office or by video call. We work from your figures; you stay in control of accounts and decisions.
Package names, session lengths, and fees are confirmed when you inquire. We do not state credentials or regulated permissions we have not verified.
Send an inquiry
Common questions
- Do you manage my money or move funds for me? No. We advise on structure and habits; you execute transfers and keep custody of accounts.
- Is this investment advice? We focus on household budgeting and cash timing, not securities selection. Scope is clarified before any paid session.
- What should I prepare? Recent account summaries, a list of recurring bills with due dates, and rough estimates for variable spending help us start efficiently.
- Who is this for? Dual-income households, freelancers with uneven pay, and parents coordinating school and housing costs in the Seoul metro area.
Reach us
Call +82-2-000-1301 or use the contact form to describe your household situation. We reply by email in business days.