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TWQsTiaophanit WealthQuarters

TWQs — Committed to empowering Thai SMEs and business families through proactive tax planning, institutional risk management, and digital financial technology for sustainable growth.

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  • 044-060-109
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121 M.8, Kang Aen, Prasat, Surin 32140 Thailand

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DEPT OF BUSINESS DEVELOPMENT

Regulatory & Risk Disclosure: Financial and insurance planning services are delivered under Thai OIC regulatory compliance. Insurance licenses are held personally by Chaiyaphum Tiaosakul Permngam (sole proprietor), who is also an Introduction Broker Agent (IBA) for Bualuang Securities PCL. Investment accounts are opened and held directly with Bualuang Securities. TWQs does not hold client assets.

© 2026 TWQs : Tiaophanit WealthQuarters · Chaiyaphum Tiaosakul Permngam. All rights reserved.

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Insights

Practical notes on cash flow, risk, tax and succession for SME owners and family businesses.

TWQs
Tiaophanit WealthQuarters
AI & Digital for SMEs
AI & Digital for SMEs·15 Nov 2026·5 min read

Thai SMEs and AI: No Need to Rush, but Start With the Work You Repeat Every Day

ETDA surveys show most Thai organisations do not use AI yet but plan to. For an SME, the worthwhile starting point is accounting data and repeated paperwork, not the most talked-about tool.

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TWQs
Tiaophanit WealthQuarters
Founder Letters
Founder Letters·4 Oct 2026·4 min read

Letter to SME Founders: Healthy Cash Flow Still Breaks Without a Risk Firewall

Owners focus on revenue and margin, and forget to prepare for the day a key person cannot work or an unexpected legal claim lands.

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TWQs
Tiaophanit WealthQuarters
Tax & Wealth
Tax & Wealth·20 Sept 2026·6 min read

Inheritance Tax and Land Tax in Thailand: Leaving Heirs Cash, Not Just Assets

The thresholds under the 2015 Inheritance Tax Act, the 2019 Land and Building Tax Act, and how to leave heirs enough cash so they do not have to sell land or shares cheaply.

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TWQs
Tiaophanit WealthQuarters
SME Strategy
SME Strategy·2 Sept 2026·4 min read

Employee Welfare You Can Actually Deduct, and Why Cloud Accounting Like PEAK Helps

Collecting receipts is not tax planning. Welfare paid under a clear written policy, for the business, is deductible without falling foul of Section 65 ter.

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TWQs
Tiaophanit WealthQuarters
Expat Financials
Expat Financials·15 Aug 2026·5 min read

Expat Health Insurance in Thailand: Rising Costs, Visa Requirements and Hospital Direct Billing

Medical costs in Thailand are projected to rise about 10.8% in 2026, and several visas set a minimum cover. Here is what to check before choosing a policy.

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ร้านอาหารอุ่นใจ มีประกันคุ้มครอง
Work & updates·8 May 2026·1 min read

ร้านอาหารอุ่นใจ มีประกันคุ้มครอง

ทำไมผู้ประกอบการร้านอาหารและเครื่องดื่มควรมีประกันภัย พร้อมข้อมูลจากผลการค้นหาที่อัปเดตและเป็นปัจจุบัน ดังนี้:

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บรรยายเกี่ยวกับภาษีผู้ประกอบการ OTOP
Work & updates·4 May 2026·1 min read

บรรยายเกี่ยวกับภาษีผู้ประกอบการ OTOP

ขอบคุณครับทาง พช. สุรินทร์ และ พี่ต่อTanagriss Tor Prasittimay ที่ให้เกียรติผมบรรยายเกี่ยวกับภาษีผู้ประกอบการ OTOP

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Talks and events

Where we teach tax, risk and digital tools to business owners in Surin and Isan.

Photos and updates
  • 04May 2026
    TalkPast

    Tax for OTOP entrepreneurs: filing 40(8) income and allowable deductions

    Surin Provincial Community Development OfficeSurin

Tell us about your business. The first talk is free.

Insurance, mutual funds or ERP / POS: we look at how your business runs today before recommending anything. No commitment.

Chat on MessengerLINECall 044-060-109
  1. 01

    Chat

    Message us on Messenger or call. Tell us about your shop or company; it takes about 15 minutes.

  2. 02

    Look at the numbers

    We review your current insurance, idle cash and daily workflow, free of charge.

  3. 03

    Get a plan

    You receive options with prices to compare. Nothing to buy unless you decide to.

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Tell us what you need: business insurance, mutual funds, or ERP / POS. We reply within one working day.

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Licensed by the OIC and the SEC · Surin, Thailand