Advance Streammark Logo

Advance Streammark

We've spent years figuring out what actually works in personal finance

Starting out in 2019, we realized that most people in Vietnam weren't struggling because they didn't earn enough. They were struggling because nobody showed them practical ways to organize money.

Operating since 2019
Financial planning workshop session in Ho Chi Minh City
Our Beginning

It started with messy spreadsheets and frustrated friends

Back in early 2019, Rhydian Caldwell was helping friends track their spending using complicated Excel files. People kept asking for help, and Rhydian kept creating these custom sheets that took hours to set up.

One evening, after creating the fifteenth version of basically the same spreadsheet, it hit him. What if there was a simpler approach that anyone could follow without needing to understand formulas or financial jargon?

That question led to months of testing different methods with real people facing real money challenges. Some approaches flopped completely. Others worked surprisingly well. By mid-2020, we had refined a system that seemed to help most people, and Advance Streammark was born from those early experiments.

What guides our work with clients

These aren't buzzwords we printed on posters. They're the actual principles we follow when working with people trying to improve their financial situation.

Start where you are

We don't judge your current situation or pretend you should have started earlier. You're here now, and that's what matters. Our methods work whether you're managing 5 million VND or 50 million VND monthly.

Keep it transparent

Hidden fees and complicated terms frustrate everyone. We explain costs upfront, show you exactly what you're paying for, and make sure you understand the reasoning behind every recommendation we provide.

Build actual skills

Our goal isn't to make you dependent on us forever. We teach you practical budgeting methods you can use independently, so eventually you won't need our help for routine financial decisions.

Who's behind this

Meet Temperance Bellamy, who leads our client education programs and has been refining budget methods since joining us in 2021.

Temperance Bellamy, Lead Financial Educator at Advance Streammark

Temperance Bellamy

Lead Financial Educator

Temperance joined our team in late 2021 after working in small business accounting for six years. She noticed that many business owners struggled with personal budgets despite running successful companies, which sparked her interest in financial education. Now she develops most of our workshop content and directly supports clients navigating budget challenges. When she's not working, Temperance volunteers at community centers teaching basic money management to young adults entering the workforce.