Service
Asset Protection.
Preserving what you have built, wherever it is held.
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
Established expats with assets in several places
Have built wealth across jurisdictions and want the genuine exposures identified and addressed in order.
- 02
People sold an offshore structure years ago
Hold a bond or structure marketed as protection and want a conflict-free view of whether it still serves them.
- 03
Cross-border families
Have a partner or children across jurisdictions and want the plan to hold together if something happens.
What's involved
What's actually involved.
Asset protection is widely sold as a product and rarely explained as a plan. For most expats the real exposures are mundane and fixable. The work is to find the genuine risks to what you have built and address them in the right order, without the offshore-bond theatre.
The exposures that actually matter
Currency concentration, single-platform custody, an estate that crosses jurisdictions, and a structure that no longer fits the rules account for most real risk to expat wealth. None of them require an exotic product to address.
The point is to address the biggest, most likely exposure first, not to sell the structure with the best margin.
When a structure does earn its place
Occasionally a trust or company genuinely fits. When it does, it is recommended on its merits with its full cost over twenty years on one page, not on the strength of a brochure.
Common mistakes
Common mistakes to avoid.
- 01
Confusing a sold product with a protection plan.
An offshore bond is a product, not a strategy. Protection starts from the exposures, not from the thing being sold.
- 02
Single-platform custody.
Concentrating custody with one offshore platform tied to the adviser is a common and avoidable point of failure.
- 03
Leaving the estate to a single global will.
A cross-border estate run through one will is the slow, expensive path. It is also one of the most addressable exposures.
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
Asset protection for expats.
Asset protection is widely sold as a product and rarely explained as a plan. For most expats the real exposures are mundane and addressable, without the offshore-bond theatre.
What is inside
- Currency concentration, the risk hiding in plain sight
- Custody and counterparty: where your assets sit
- The cross-border estate, where protection meets succession
- Structures that no longer fit, reviewing what you hold
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.