Early-retired UK citizen (over 50 year old) and I have travelled in and out of Thailand numerous times over the years - years ago on visa exempt or business visa. After I married a Thai in 2015 I always used the 12 month Multi-Entry Non-O Visa ('visiting family') issued in London which allowed up to three months in the country. This was convenient because it was pretty quick and easy to get and we travelled around a lot and so never in Thailand for more than a couple of months at a time.
Of course London stopped issuing the 12 month ME Non-O (in 2019 IIRC) and then along came COVID. Wife and I have been in UK since April 2020. We are hoping to get back to Thailand for a three-month visit early next year and so I have to apply for a 90 day Non-O ('visiting family') via eVISA system.
Looking to the future we would like to travel back and forth between properties in UK and Thailand, probably staying in Thailand more than three months on occasions (I can imagine Nov. - Mar. in Thailand - 5 months). A non-O based on retirement with a re-entry permit looks like the best option ?? I have a pretty decent pension (UK government employee) but I don't want to be making monthly credits to my Thai bank when I am out of the country. And I am very much opposed to the idea of depositing 800k THB in a Thai bank - with rising inflation across the globe I would prefer to have the money invested somewhere rather than 'donating' it to the Thai banking system - even with a very risk-averse strategy I have returned just over 10% on my money over the last 24 months.
So there seem to be a couple of options:
1. My wife has a few millions THB in her Thai bank accounts and is agreeable to keeping 800k in an account in my name. Would this work or do immigration check the source of the money?
2. Use an agent. Are there any downsides to this apart from the cost? - and what kind of cost are we looking at?
Any other suggestions? Basically I want the least hassle and maximum flexibility to come and go as I please. I am aware of the Elite visa, but it seems more aimed at those under 50 who can't get a retirement or family visa and I guess the cost of it would pay for a lot of agent applications.