Financial Wellness
with Mod
Meet with me

Chompunuch Ngo · Insurance Agent · Houston, Texas

Financial Wellness
with Mod

Insurance guidance for Houston families, starting with your budget and the coverage you already have.

Try your numbers. Understand your options. Decide without pressure.

Try your numbersMeet with me

English & Thai · Free first conversation · Office or Google Meet

Hi, I’m Mod.

I’m a Texas-licensed insurance agent, a mom and a teacher. I help you understand your household numbers and existing coverage before we consider whether insurance fits your needs.

Read my story

Start with your numbers

Make the numbers feel real.

A monthly plan for everyday life and the years ahead.

Megan example

Fictional Journal example. Megan has $3,000 of business profit before personal taxes, reserves $600 for taxes and targets $240 in saving. These are not recommended costs or tax rates for everyone. Read her story

Reserve only, not a tax calculation. Federal, state and self-employment taxes depend on your circumstances. Check estimated payments with a tax professional.

10% is a starting target to assess, not a requirement or proof that retirement is funded.

Monthly expenses

(Medical costs, medicines, and health or life insurance premiums you pay yourself. If using take-home pay, do not count premiums already deducted from your paycheck.)

(For example, clothing, hobbies, entertainment, and streaming subscriptions. Do not count items already entered in another category.)

(Money set aside each month for expected costs that are not monthly, such as annual bills, vehicle registration, or planned maintenance. This is a planned expense reserve, not emergency savings.)

This month, in balance

Income
$3,000
Tax reserve
$600
Available after tax reserve
$2,400
Expenses
$2,160
Saving target
$240
Still unassigned
$0
Tax reserveExpensesFunded saving
Your $240 saving target fits this budget. Unassigned money is not automatically added to saving.
Emergency saving next month
$160
Long-term saving next month
$80

Emergency deposits stop at your $5,550 target. The unused emergency portion then joins long-term saving, including any remainder in the month the target is reached.

New deposits over 1 year$2,880New deposits over 10 years$28,800

Your next step, at your pace.

Keep a copy, or bring your questions to a free first conversation with no obligation to buy. These planning figures are not insurance policy values or promised returns.

Discuss my plan

Your numbers are not automatically sent to me. You choose whether to bring the PDF. Scheduling opens in a new tab, with a short checkup first if needed. Your plan stays here; reloading this page clears it.

Numbers stay in this page and are not sent to me. Reloading clears the plan. All amounts are US dollars.

CFPB · IRS estimated taxes · Investor.gov

About me

Your family comes first.

Portrait of Chompunuch Ngo

Chompunuch Ngo (Mod)

From caring for my family to understanding our money

For years, I looked after our home and homeschooled our two daughters, while my husband earned our income and managed our finances. We each had our part to play. Then, when our family became ill, I found myself asking a question I could not put aside. If he could no longer work, how would the children and I manage? Money was no longer something I could leave entirely to him. I wanted to understand it for myself.

I started with almost no financial knowledge

I used to think you needed plenty of money left over before you could buy insurance. I did not know there were different kinds, or that I could plan to set money aside as soon as income arrived. Taxes, retirement savings, 401(k)s and Roth IRAs were unfamiliar to me. I wanted answers before making a decision, not a push to buy something. When I could not find explanations that answered my questions, I thought I might as well learn it myself. Then I could look after my family and have a more informed conversation with my husband, too.

I want others to have a place to start, too

The more I learned, the more I thought about people who might feel as I once did. A parent at home who wants to understand money but does not know whom to ask. Someone working hard every day, with little time or money left to think about the future. I want this knowledge to feel within reach, so they can find a starting point that fits their circumstances. Nobody needs to know everything on the first day.

Learning and creating together in an adult painting class
Learning and creating together in an adult painting class

The way I help people comes from being a teacher

When I taught my daughters, I gave them a schedule and the work they needed to do, but let them manage their own time. If something did not click, we sat down together and worked through it one to one. We practised until they understood, then I let them carry on independently. I love seeing someone begin to trust that they can do it, without needing me to explain every step. Alongside homeschooling, I teach Thai to children at our local temple and organise art activities for children and adults. When I teach painting, I don't just look at how the finished picture turns out. I notice when someone feels frustrated or worries that their work isn't good enough, and we work through it together. Some people need to see an example, others learn by trying it themselves, and some need me to sit beside them and explain it again. I want them to feel comfortable asking questions and confident enough to keep trying.

Teaching Thai to children at our local temple
Teaching Thai to children at our local temple

As a licensed insurance agent, I want to hear about your life first

I am a licensed insurance agent in Texas. When we first talk, I want to understand your life before anything else. Your income, expenses, savings and the things you hope to do. I want to help you picture the next three months, one year, five years, ten years, and eventually a time when you may no longer be working. That gives us a clearer view of where you are now and what you would like to prepare for.

Not sure where to start? We can work through it together

You don't need to have everything figured out before you begin. Try your own numbers in the monthly planner above to see how your income, expenses and saving fit together. For a starting example, read Megan's self-employed story or Alex's W-2 story in the Journal. These are fictional case studies, not plans you need to copy. And if questions come up, we can work through them together.

Try your numbersMegan's storyAlex's story
Guiding children as they paint and learn together
Guiding children as they paint and learn together
Family priorities first
No obligation to buy
One question at a time

Room for the real questions

What we can talk about.

Your family’s priorities

The people you care about, the responsibilities you carry, and what you want to understand.

What you already have

Your current coverage and benefits, explained in everyday language.

Protection within your budget

Whether additional insurance is relevant to your circumstances and what you can sustain.

Your questions, answered

No perfect starting point needed. We can work through one question at a time.

A clear, gentle starting point

Understand first. Decide when you’re ready.

  1. A quick checkup

    Eight short questions. Only your name, email, and consent are required.

  2. Have a conversation

    A free, 45-minute meeting about your family, existing coverage, and questions.

  3. Take away a clear next step

    A brief recap of what we discussed and any next step you choose.

Let’s talk

Time for your questions.

Free first conversation · 45 minutes · Houston time

Portrait of Chompunuch Ngo

Chompunuch Ngo (Mod)

General Lines — Life, Accident, Health & HMO

Texas license 3540291

Independent contractor with World Financial Group (WFG).

Verify my Texas license

Start with your questions.

We can start with your family’s priorities, your budget and the coverage you already have. You do not need to choose a product before we talk.

First conversation free · 45 minutes · No obligation to buy insurance.

See an example meeting recap

Financial Wellness with Mod

A clear next step to take home.

Fictional example, not a client record or product recommendation.

Your priority
Build an emergency cushion while understanding your current family coverage.
What we discussed
Separate monthly saving from insurance premiums, and list questions about existing coverage.
Your next step
Check essential monthly expenses and find your current policy summary.
My follow-up
Clarify the coverage questions we agreed to revisit.
Your decision
No purchase decision. Take time to review.

A real recap would reflect your conversation and only the next steps we agree on.

Office preferred · Google Meet available
45 minutes · No consultation fee
Tuesday & Thursday · 9 am–1 pm Houston time

Ready to find a time?

Review and confirm your short checkup before choosing a time.

Meet with me

Scheduling opens in a new tab, leaving your planner here. No plan figures are sent.

A little preparation

Before and after we meet.

Bring what feels helpful.

  • Your questions and family priorities.
  • Approximate budget figures, if comfortable.
  • Existing insurance information, optionally.

No document uploads, account numbers, or detailed medical history needed.

A short recap to take with you.

After our conversation, I’ll prepare and personally send a brief written recap of the topics we discussed and any agreed next steps. You can take time to consider your options.

Meet me at the office.

3100 S Gessner Rd, Suite 118, Houston, TX 77042
View office map

Parking and arrival details are being finalized.

A little understanding, a little at a time

Financial Wellness Journal

Everyday money and insurance, explained with practical examples.

All articles
01

Everyday saving · 3-minute read

A small cushion for an unexpected day

Your first savings do not have to make you rich. They can help when life gets interrupted.

02

Paycheck foundations · 5-minute read

Your first paycheck is smaller than your salary

Before planning rent, a car, or savings, find the money you can actually use.

03

Everyday budgeting · 6-minute read

Give your money a job before the bills arrive

A bank balance can include next month's rent. Plan both the amount and the day you need it.

Upcoming online classes

Financial-literacy sessions for families. Dates and registration will appear here once confirmed.

A few things you might wonder

Before you begin.

Join our team

Learn the insurance profession with me.

Personal 1-on-1 mentoring, honest expectations, and space to decide whether this path fits you.

Work with me

Illustrative image created with AI