FAQs

In person, at either our office or your offices, via phone call, video call or any other means that is agreed.

It is an opportunity for you to explain why you need help, and for us to understand how we can help you. It’s also an opportunity for us both to establish whether we want to work together going forward.

We pick up the cost of your initial phone call enquiry and a first consultation meeting.

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

Around one hour.

No. Following our initial meeting, we usually put together a proposal or engagement letter that will clearly detail your situation and current goals, the scope of the advice required, the desired outcome and our fees (typically fixed) for providing the service.

Please call the office on: +852 3903 9004 or email: info@charltonhousewm.com or complete the 'contact us' 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 often work on a fixed fee basis which is driven by the time cost we estimate to be involved. The complexity and nature of the financial plan will drive the fee, as will the urgency placed on the delivery of the advice.

We are flexible on how we charge fees, depending upon the nature of the advice required. Fees are agreed between us and our clients before any implementation work takes place.

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 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.