FAQs

We conduct most of our meetings online via video conference but we can meet in person if required.

This is an opportunity for you to explain your situation and the issues you may need our help with. It is also an opportunity for us to explain a little bit about how we would help you and for us both to establish whether it is worth investing further time by scheduling your Discovery Meeting.

Your Discovery Meeting follows from your Initial Meeting and is a much more thorough exploration of your financial situation, objectives and goals. By the end, we will be in a position to agree on the scope of the advice required, our fees and the timescales involved. Throughout the meeting, we put you at ease that we will offer significant value through the services that we offer. Importantly, it’s an opportunity for us both to establish whether we want to work together going forward.

We pick up the cost of your Initial Meeting and Discovery Meeting. The cost of any meetings thereafter will be covered by the fixed fees we agree once we have agreed to work together.

We will advise you of what you need to bring, based on the nature of your enquiry.

The Initial Meeting should last no longer than 30 minutes, and if we move onto a Discovery Meeting, you will need to invest 90 minutes of your time.

All the work we carry out up to the end of your Discovery Meeting will be at our expense. After this, if it is decided that we wish to work together, 50% of the fixed Financial Strategy Fee is payable in advance, and the remainder is payable when we deliver your Financial Strategy via a presentation and report to you.

You can schedule your initial meeting directly on our Contact Us page, or alternatively please call the office on +852 3903 9004, email info@charltonhousewm.com or complete the contact form below.

Yes. We are independent and can advise on financial products from the whole of the market.

Yes. We are regulated in Hong Kong by the both Securities and Futures Commission of Hong Kong (SFC) and the Insurance Authority (IA). In the UK we are regulated by the Financial Conduct Authority (FCA).

We charge a minimum fixed fee of £3,500 for this service and for most clients we work with, we do not expect to exceed this fee. You can find out more about what is included at this stage of the process here.

We charge fixed fees for the Financial Strategy and Implementation stages of the process. These are dependent on complexity, however. Our Ongoing Advisory Service fee is charged on a tiered basis. You can find out more about how we charge here.

We do not receive any commissions or retrocessions on investments, whether from third-party managers or investment platforms. This applies to both Hong Kong and the UK. For insurance products, we are flexible on this as there are some situations where our clients have a preference to pay via a commission rather than upfront fees.

As we specialise in servicing internationally mobile clients, especially those with a UK footprint, we pride ourselves on being regulated in both Hong Kong and the UK. This enables us to better serve individuals who live between Asia and Europe, and more importantly, understand their unique needs. We believe that your relationship with your financial professional does not have to change just because your country of residence does. Therefore, we aim to provide that continuity.

In short, no. We often come across clients who have a preference to keep existing investment managers in place who manage a proportion of their money. We have successfully worked alongside those managers to deliver financial plans that the existing investment manager may not have had the expertise to advise on.