If your finances are becoming overly complex or time-consuming, or you’re in a life transition involving relocation or inheritance, it makes sense to use a financial planner to help create a roadmap. You might just want help working out if you’ll have enough money to live on when you retire.
“We’re keen to help both existing and potential clients understand how financial planning works, what it can offer, and how to find reliable advice,” says HOWARD CLARK-BURTON, CEO of BMP Wealth. “There’s a handful of questions we hear time and again from expats who come to us for help managing their investments, retirement planning, tax and more.”
Since you might share some of the same queries and considerations about your own money situation, we asked Howard and the team to list the top eight questions they face each day.
#1 “When I retire, I want to make sure I have enough money to last the rest of my life. Can you help?”
We can use sophisticated cashflow modelling to work out how much your desired lifestyle is likely to cost in the future and create a bespoke strategy for funding it, where required.
Your financial planner will also review your plan periodically. When your circumstances change, they can help make any necessary adjustments to ensure you have enough money for the lifestyle you want for the rest of your life.
#2 “I have a financial adviser, but I’m not happy. What can you offer?”
People often come to us because their current financial planner does the bare minimum – providing portfolio performance updates and a brief annual review. We’re frequently told that advisers allocate a significant portion of their meetings to informal conversation, rather than concentrating on the individual’s progress toward future objectives.
While our team enjoys a friendly chat with you, they make sure to combine financial planning and wealth management, giving you a holistic view of your finances and ensuring you stay on track to achieve your goals.
#3 “What are some of the things you look at when creating a financial plan?”
When we begin the financial planning process, our first step is to gain a thorough understanding of your current financial position. This includes considering your assets, liabilities, and income, as well as establishing your attitude toward risk. We also discuss your aspirations for the future, considering what sort of lifestyle you would like to enjoy and the associated costs.
Using advanced software, we then project your present circumstances into the future, modelling possible scenarios from now through to retirement and even succession planning. With this clear foundation, we can develop a comprehensive, stepby-step highly personalised financial plan focused on your individual needs and goals, guiding you through each stage of your financial journey.
#4 “How do you charge and are there any hidden fees or commission?”
We offer a simple process with full disclosure of fees at every step of the way. All fees are agreed and documented in writing before we begin working with you. What’s more, we keep our charges extremely competitive because we want to make sure our clients’ returns are maximised.
We have a lot more on our website about our fee philosophy and whether financial planning is worth the cost – head to bmpwealth.com/fees.
#5 “Do you have experience working with people like me?”
If you’re an internationally minded expat, you’ll likely have unique and complex finances, so it’s crucial to find a financial planner who understands your specific needs and goals.
BMP Wealth specialises in supporting expats from all over the world, including Britain, Europe, Australia, and more. We have expertise in navigating crossborder complexity and offer personalised advice centred on your goals.
#6 “What is a better investment: property or the stock market?”
Stocks have historically outperformed other asset classes, including property. However, mortgages allow investors to leverage their money when buying property, potentially boosting returns, which is why property remains a popular investment choice.
The better asset class depends on your financial goals: property may suit those needing a home, while stocks are often preferable for long-term investments like retirement planning.
#7 “Why should I ask you to manage my investments rather than doing it myself?”
With the growth in AI tools and online investment platforms, we’ve started hearing this question more often. While it’s true that you can manage your investments independently, this requires a significant amount of knowledge, discipline and
time.
Why not leave it to a professional so that you can focus your energies on the things that matter to you, such as your career and family? We have the skills and experience to develop globally diversified portfolios, which we benchmark against our top 150 competitors. We’ll gladly share this data if it will help you make an informed decision about how to manage your investments.
Moreover, and importantly, in periods of market stress, we offer guidance to help maintain crucial investment discipline.
#8 “Is my money safe with you?”
BMP Wealth is regulated by the Hong Kong Securities and Futures Commission, the Insurance Authority, and the Mandatory Provident Fund Scheme Authority. This gives valuable peace of mind that we follow strict protocols and procedures. As such, you can trust and feel confident in our advice.
Importantly, we don’t retain any client monies; instead, your wealth is held with highly regarded, international institutional custodians.
If you have further questions on wealth management or want to know more about how we can support you to achieve your financial and life goals, get in touch.
Email the BMP Wealth team at info@bmpwealth.com or call 3975 2878.
bmpwealth.com
This article on wealth management and financial planners in Hong Kong first appeared in the Summer 2026 issue of Expat Living magazine. You can buy the latest mag or an annual subscription, or read the digital version for free now.
