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
Mobile professionals with cross-border portfolios
Have investment accounts in multiple jurisdictions and want them coherently managed against a cross-border life.
- 02
Retirees seeking discretionary management
Want professional portfolio management aligned to a sustainable drawdown plan.
- 03
Recent UK leavers
Were using a UK-domestic platform that no longer accepts non-resident contributions, need an expat-friendly alternative.
What's involved
What's actually involved.
The default UK wealth-management playbook does not survive contact with cross-border life. Your platform may stop accepting contributions; your ISA may stop being efficient; your domestic broker may quietly transfer your account to a non-resident desk. The work is building a portfolio that operates from where you actually live.
Custody arrangements that survive residency
Some platforms onboard Thailand-resident clients; many quietly do not. Custody choice matters more than asset allocation for the expat client.
Currency-aware asset allocation
A GBP-heavy portfolio for a retiree spending in THB is a currency bet, not a diversified strategy. The portfolio needs to be sized against the currency of expenditure.
Common mistakes
Common mistakes to avoid.
- 01
Holding a portfolio with a UK broker that no longer accepts you.
Many UK platforms have quietly stopped accepting non-resident contributions or new positions. You may find this out only when you try to act. The fix is checking now, not later.
- 02
Ignoring fee compounding.
The difference between a 0.45% pa platform and a 1.5% pa platform is six figures over a typical retirement horizon. The work includes the fee audit.
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
Wealth management in Thailand.
When you live in one country and hold assets in others, the rules change. The structural shifts that come with Thai residence, the wrapper choice, the fee drag and the compliance perimeter, and the genuine advantages Thailand offers.
What is inside
- What changes when you become Thai-resident
- Wrappers and asset allocation, and the currency dimension
- Fees, the CRS reality, and why a local adviser matters
- The genuine advantages Thailand offers, and a practical review checklist
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.
Go deeper
Tools and related reading.
Try the tool
The exchange-rate spread on moving money to Thailand, in pounds, on a single transfer. A guide, not advice.
- Richard Knight, ACSI
Tax · 6 min
What happens to your UK ISA when you leave the UK
The tax treatment of an existing ISA for an expat, and when it stops being efficient.
Read article - Richard Knight, ACSI
Markets · 7 min
GBP / THB, the twenty-year chart and what it means for your plan
How currency volatility historically affects expat retirement income, and what you can actually do about it.
Read article - Richard Knight, ACSI
Markets · 7 min
The best ways to move money to Thailand in 2026
Wise, Revolut, broker transfer, or specialist FX, which is right for which kind of transfer.
Read article
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.