International Financial Planning
Planning your money across the UK and Thailand: budgets in two currencies, pensions, protection, investing, tax and passing it on — explained for British expats, retirees and families by someone who has done it.
and Thailand
rules explained
in Thailand
Guides in this section
View all Wealth Management & Investments guides →
Financial Planning for Expatriates in Thailand
The complete picture for British expats and retirees.
Read the guide →
Building an International Financial Plan
A step-by-step plan that works in two countries.
Read the guide →
Financial Planning When Relocating to Thailand
What to sort before, during and after the move.
Read the guide →
Cross-Border Investment Considerations
Currency, tax, access and where to hold investments.
Read the guide →
Understanding Investment Time Horizons
Matching money to when you'll need it.
Read the guide →
Financial Planning for International Families
School fees, protection and planning for children.
Read the guide →Need Personalised Financial Advice?
Speak to our team for tailored guidance on travel money, banking and managing your finances in Thailand.
Insurance for Thailand
Get covered before you go — quotes for visitors, expats and businesses, arranged through our team.
Ways to Get Help With Your Finances
Where British expats in Thailand turn for help with pensions, savings, investments and tax — and what to watch for with each.
Read the Financial Planning Guide →| Option | Type | Cost to you | Best for | Watch for | Read Guide |
|---|---|---|---|---|---|
| LFree review with Lawrence (JLIT) | Expat specialist in Thailand | Free first review | UK–Thailand pensions, savings, tax and planning | Ask how any ongoing advice is paid for | Read → |
| DDo it yourself | Online platforms and research | Platform and fund fees | Confident investors with simple affairs | Cross-border tax and currency are easy to get wrong | Read → |
| UKUK-based adviser | Adviser in the UK | Fees vary | People still living in the UK | Many can't advise once you live abroad | Read → |
| !Unsolicited "advisers" | Cold calls and social media | Often high hidden charges | Nobody | Pressure, promises and products you don't understand | Read → |
General guidance compiled October 2026. Always check who you are dealing with, how they are paid and what you are signing before you invest.
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Practical, independent guides to help you make smarter financial decisions in Thailand.
A plan in four steps
Frequently Asked Questions
View all FAQs →Why is financial planning different for expats in Thailand?
Because your money, pensions, tax and family may span two countries with different rules and currencies. Decisions that are simple in the UK — where to save, how to draw a pension, how to pass money on — need thinking through for both.
Will my UK State Pension rise if I live in Thailand?
No. Thailand is not on the list of countries where yearly increases are paid, so the pension is frozen at the rate when you first claim or move.
Am I still subject to UK inheritance tax after moving to Thailand?
Possibly. Since April 2025, UK inheritance tax is based on long-term residence. If you were UK resident for at least 10 of the previous 20 tax years, worldwide assets stay in scope for between 3 and 10 years after you leave.
When do I become a Thai tax resident?
If you're in Thailand for 180 days or more in a calendar year. Foreign income earned from 2024 onwards that you bring into Thailand can then be taxable here.
How do I get a free financial review?
Use the enquiry form on this page. Lawrence, a British expat in Thailand with more than 30 years in international finance, will come back to you.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we check every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account — this never changes the price you pay.
