Independent, fiduciary, fee-only financial planning & repatriation services for British expats living in Hong Kong

Who We Work With

At Private Capital, we pride ourselves on serving clients with a British connection—those who are either planning to return to the doing so in the future. We also serve clients across the globe. Our clientele includes individuals who have accumulated assets, including C-Level Executives seeking to build on their solid financial foundation, and established professionals aiming to maximise their wealth and prepare for retirement. Our financial planning team, comprised entirely of British professionals, brings over 100 years of combined experience and full UK qualifications to the table. This wealth of experience ensures that we understand the challenges faced by British, providing reassurance that your financial future is in capable hands.

Financial Planning

Our approach to financial planning transcends short-term fixes, focusing instead on making sensible, informed decisions about money to achieve lifelong goals. We offer fee-only, evidence-based investment management that stands out for its transparency, independence, and cost-effectiveness. This approach is grounded in long-term market history, academic evidence, practical application, and the patience of our clients. As pioneers of fee-only investment advice in Hong Kong, we are committed to transparency around fees, openly disclosing our advice fees online even before you meet us.

Your financial freedom starts with our six-point planning process:

1.Data Collection Phase

In this initial phase, often referred to as the "discovery process," we aim to fully understand your current financial situation, including your goals, needs, risk tolerance, and suitable investment strategies or approaches to meet your specific requirements.

2. Clarifying Your Financial Objectives

A crucial step in the planning process involves clearly defining your financial aspirations and objectives. This may encompass:

• Desired income and asset targets
• Planning for future educational expenses
• Decisions regarding upgrading or downsizing your home
• Managing risks to protect your income
• Asset accumulation goals within a specific timeframe
• Ensuring a certain level of investment liquidity and flexibility
• Estate planning and wealth transition to subsequent generations.

3. Assessing Financial Gaps

Next, we evaluate how your current financial status aligns with your objectives to identify strategic actions needed to bridge any gaps. This assessment lays the groundwork for your personalised strategic plan.

4. Development of Your Strategic Plan

After pinpointing your objectives and evaluating your financial landscape, we craft a comprehensive strategy tailored to your needs. This strategy considers your risk tolerance and includes our recommendations aimed at fulfilling your financial goals.

5. Execution of Your Strategic Plan

Following a thorough discussion and final agreement on the strategic plan, we proceed to implement it on your behalf or support you through the implementation process. This may involve coordinating with other specialist professionals certain aspects.

6. Ongoing Review and Adaptation

Given the inevitability of change—be it in legislation, the economy, your personal goals, or your perspectives on money—it's vital to regularly assess the effectiveness of your strategic plan. This ensures it remains aligned with your evolving objectives.

Our continuous partnership typically includes:

• Analysing impacts of regulatory or economic changes
• Monitoring your progress towards financial objectives and adjusting strategies as necessary
• Managing and reviewing your investment portfolios
• Keeping you informed about relevant regulatory changes and planning opportunities in both HK and the UK
• Ensuring regular communication, including face-to-face meetings, based on your preferences.