Paper Title
The Need for Financial Planing Service of Generation X in Thailand on Debt Management

Abstract
The financial planning is very important for retirement planning. The study finds that that the financial planning service in Thailand is limited to people even though the survey conducted in capital and her perimeter. The sex, age and range of income is importanfor usage of financial planning service. The cost of living in Bangkok and her perimeter trend is going up leading to incremental of household debt. The outcome of the survey guides that the government regulator could encourages the role of financial planner e.g the reducible for personal tax payment. The introduction of financial planner roles need to be more explain by the regulator e.g. Bank of Thailand or Securities Exchange Commission. The future study on the need for financial planning service in Thailand could extend to generation Y and Z. Thailand is going to aging society thus the macro-economic policy for saving is very important. The lack of good behavior and understanding of investment would bring down the whole economy. Index Terms— financial planner, Xers, debt management, Thailand.