For British expats
Wealth advice for British expats in Thailand.
UK pensions, the April 2025 residence test for inheritance tax, and the 2024 Thai remittance rule, planned as one coherent picture.
Who Richard advises
Richard advises people from organisations like these.
Employer information is provided by clients during the consultation process and is not independently verified. Logos shown are trademarks of their respective owners and do not imply endorsement of Richard Knight or Business Class Asia.
Who this is for
British expats in Thailand.
British expats are the centre of gravity of the practice. UK pension transfers, the long-term-residence test that replaced domicile, and how the 2024 Thai remittance rule reaches pension income brought into Thailand, addressed as one plan rather than four.
- First conversation
- Free, 30 minutes, by video or in person at the Bangkok, Hua Hin or Pattaya office.
- What it costs
- Every cost, and what it pays, set out in writing before you decide.
- Where your money sits
- Held in your own name on regulated platforms, or by an appointed trustee, never by me.
- Credentials
- CISI Associate Member and BCCT Vice Chair, both independently verifiable.
Working with the practice
Areas of focus
The services British expats most often need.
Cross-border planning for British expats in Thailand. Every cost, and what it pays, shown in writing before you decide.
UK Pension Transfers
The transfer decision, made on the maths, not the commission.
Learn moreInheritance Tax Planning
The long-term-residence question, addressed before it is settled.
Learn moreLast Will & Testament
A coherent will set across the jurisdictions you actually touch.
Learn moreThai Tax Planning
The 2024 remittance rule, read against your actual income.
Learn moreRetirement Planning
A sustainable drawdown plan, not a projection.
Learn moreEstate Planning
Multiple jurisdictions. One coherent estate plan.
Learn more
Free guide
UK pension transfers after the Finance Act 2026.
The Finance Act 2026 brings most unused UK pension funds into the IHT net from 6 April 2027. The transfer decision is now a different calculus, read against SIPPs, QROPS, the Overseas Transfer Charge and the 2024 Thai remittance rule.
What is inside
- The Finance Act 2026 IHT change, and who it catches
- Pension types and the transfer landscape: DC, DB and the State Pension
- SIPP versus QROPS, and the 25 per cent Overseas Transfer Charge
- The 2024 Thai remittance rule applied to pension income
- The due-diligence questions to put to any adviser
Plain English, nothing to sign. Useful even if you never get in touch.
The advisor
Richard Knight.
Richard Knight is a British national with fifteen years' experience in private wealth management, advising internationally mobile clients across Asia, Europe and beyond. Based in Thailand, he works with expatriates and international families navigating the complexities of cross-border wealth, retirement and estate planning.
The practice is built on first-hand experience of international relocation and long-term expatriate life, rather than a purely theoretical understanding of it.
He is an Associate Member of the UK's Chartered Institute for Securities & Investment (ACSI) and holds CISI qualifications in Financial Planning and Investments.
He also serves as Vice Chair of the British Chamber of Commerce Thailand in Hua Hin, supporting the local business and expatriate community.
Richard maintains a deliberately limited client base, focusing on conservative, long-term planning for people who value clarity, stability and peace of mind over unnecessary risk.
How the practice works
Three conversations before any commitment.
A measured introduction, a written plan, and a clear engagement. No long sales process. No pressure on the first call. You leave the first meeting with a clearer view of what is in front of you, whether or not the work proceeds.
- 01
An introduction.
Thirty minutes by video, or in person at the Bangkok, Hua Hin or Pattaya office. A discussion of your situation, your concerns, and what the years ahead are intended to look like. Rough figures are sufficient. No documents required in advance.
- 02
A written plan.
A second meeting where the work is appropriate for both parties. A written summary of the plan, the moves in priority order, the realistic timeline, and the cost in plain numbers.
- 03
An engagement, in writing.
A written engagement letter that sets out how I am paid, commission on what is arranged and a fee on what is managed, with every figure and what it pays, before you proceed. Either party may end the engagement at any time. Custody arrangements remain in place regardless.
“Richard works in finance business for many years and his recommendations are reliable and efficient. He is very attentive to the clients and help them to come to the most beneficial solution. Having Richard as your personal finance consultant you can feel secure for your future.”
“Richard is reliable person, with good knowledge of the products that he propose to clients. He want client to understand the process and he cares of the client future.”
“Richard is a great and reliable service provider.”
Begin a conversation.
Thirty minutes, by video or in person at the Bangkok, Hua Hin or Pattaya office. Free, and without obligation. You leave with a clearer view of what is in front of you, whether or not the work proceeds.
Book a meeting
Choose a time that suits you.
Thirty minutes with Richard Knight, ACSI directly. By video, phone, or in person. No obligation.
Advice for other nationalities
The practice serves British, North American, Australasian, European and Russian expats across Thailand, each with the cross-border issues specific to their home country.
