Paul Dickinson, Trust & Estate Planning SE Asia @Pauld22
Regional Director, Helping HNW families in Southeast Asia protect & transfer wealth through bespoke structures, tax planning & estate strategies. businessclassasia.com/meet-the-team/… Bangkok, Thailand Joined September 2016-
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Wealth in your own name belongs to whoever has the strongest legal claim on it — a divorce, a creditor, a lawsuit, a political shift. Foundations, holding companies, trusts exist to put distance between a claim and the asset. Standard tools. Not exotic.
Everyone quotes 40% IHT. The real number on a SIPP can be 67%+. 40% IHT on the pot when you die. Then income tax at 40–45% when your beneficiaries draw it down. Same money. Taxed twice. QROPS and QNUPS fix both problems, not just the IHT one. 10 months to April 2027. #IHT
"Malaysia has no estate duty" is the line every property agent uses to sell you a place there. What they don't mention: foreign-owned property still goes through 12-18 months of Malaysian probate — longer with no valid local will. No estate duty ≠ no problem.
3 scenarios that wipe out decades of HNW wealth in SEA: 1. Divorce — assets co-mingled, no protection structure 2. Business liability — forgotten personal guarantees crystallise 3. Cross-border succession dispute — 4 jurisdictions, no co-ordinated plan All preventable. All happened to real clients. The time to structure is before any of this is in play.
Getting it right takes weeks. Not having it creates a problem that takes years to fix. When did you last look at your Thai succession planning?
Thailand succession law applies to locally registered assets regardless of your nationality. No co-ordination between your Thai Will and your broader estate plan = years of legal process for your family.
Own property in Thailand without a Thai Will? The Thai courts decide what happens to it when you die. Not your UK Will. Not your offshore trust. The court.
If you're 3-5 years from exit and haven't structured for it yet, you're already behind. The window closes the day you sign.
The fix has to happen BEFORE the deal closes, not after. Family investment companies. Phased dividend extraction. Offshore holding structures — set up while you're still a few years out.
Sold your business and the money landed in your personal name? You just made every pound of it visible to HMRC — and fully inside your taxable estate.
Early signals from the April 2027 reform suggest QNUPS get pulled into the IHT net too. 40% on death, on top of income tax on drawdown. If you were told your structure is IHT-proof — verify it. Don't assume it.
Advisers told expats: move your pension into a QNUPS — permanently outside UK inheritance tax. That promise is breaking.
Most SEA business owners haven't solved the wealth extraction problem. Built something worth £2M–£10M+. The structure that worked for operations is wrong for exit. Family investment companies, holding structures, trust overlays — all need years of lead time. None of it works at short notice. What does your exit plan actually look like?
Check out the latest article in my newsletter: Why PPLI Has Become Essential in Modern Estate Planning and Asset Protection linkedin.com/pulse/why-ppli… via @LinkedIn
We started restructuring in January. 4 months in, he's in a far better position. If he'd come to me in October, some of those options would've been gone. 10 months left. #IHT
Post-April 2027: 40% IHT hits the pot. His UK-based daughter pays income tax on drawdown. Combined rate: above 60%. On money he spent 30 years building.
Client in Thailand. SIPP worth £620k. Untouched for 11 years. He thought leaving it to grow was smart.
From April 2027, your UK pension pot is exposed to 40% IHT. Wealth in a properly structured QNUPS isn't. Worth knowing the difference. #IHT
QNUPS = Qualifying Non-UK Pension Scheme. Sits outside your UK estate for IHT. You don't transfer your pension in — you contribute new wealth directly. Can hold property, investments, business assets.
Most UK expats know what a QROPS is. Almost none know about QNUPS — and it's the more flexible tool.
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