Service
Protection & Insurance.
What cover actually fits, and what you can stop paying for.
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
Who this service is for.
- 01
Families dependent on one income
Have people who depend on them and want to know what protection genuinely matters and what does not.
- 02
People paying for old policies
Hold cover sold years ago, often on commission, and want a conflict-free view of whether to keep, change or stop it.
- 03
Pre-retirees reviewing the plan
Approaching retirement and want protection right-sized for the next phase rather than the last one.
What's involved
What's actually involved.
Most expats are either underinsured against the things that would genuinely derail the plan, or paying for cover sold on commission that no longer serves them. The work is to identify the protection that matters for your circumstances and the cover that does not.
Cover sized to the actual risk
Protection should map to the events that would genuinely break the plan and the people who depend on it, not to whatever product paid the most to sell.
Often the outcome is less cover, not more, and a clear reason for each policy that remains.
Advice, not a sale
The review tells you what cover you actually need. Where a policy is genuinely needed it is executed through the provider on its own terms, and whatever that arrangement pays me is set out in writing before you decide.
Common mistakes
Common mistakes to avoid.
- 01
Buying cover because it was sold, not because it was needed.
Commission-led protection is often the wrong size and the wrong type. Start from the risk, not the product.
- 02
Keeping legacy policies unreviewed.
A policy that fitted a decade ago may now be money spent for little protection. It deserves a periodic, conflict-free look.
- 03
Underinsuring the one risk that matters.
The point of protection is the event that would genuinely derail everything. That is the cover to get right, even when others are trimmed.
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.
Free guide
Protection & insurance for expats.
Most expats are either underinsured against the things that would derail the plan, or still paying for cover that no longer serves them. What fits, and what you can stop paying for.
What is inside
- What actually needs cover, matching policy to risk
- Where expats are underinsured, the gaps that bite
- Where expats overpay, cover that no longer serves you
- The cross-border wrinkles: residency, currency and claims
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.
“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.”
Fees and what to expect
What it costs, and how I'm paid.
I am paid through commission on the products arranged and an ongoing fee on the assets managed. Every cost, and what it pays, is set out in writing before you decide.
You may ask what any recommendation pays me, and the figures that apply are agreed in writing in the engagement letter before you proceed.
A first 30-minute consultation costs nothing and obliges you to nothing.
Client assets are held by an appointed trustee or a regulated platform, never by me.
Questions
Questions about this.
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.