Our Services

1. Personal Accident Insurance

• Compensation varies by product (one-off compensation payments, reimbursement of medical, hospitalization and treatment expenses, and the like.)
• Varies based upon the occupation of the insured party
• Subject to annual renewal

2. Life Insurance

• Protection for loved ones in the event of the insured party's demise
• Classification including whole-life insurance, term life insurance and universal life insurance
• Variety of fixed instalment periods, ensuring flexible cash flow with policy loan amounts while dividends increase the policy's cash value
• Premium financing services:

       - Premium financing arrangements to obtain bank loans to pay premiums

       - Financial flexibility in premium payment with life insurance protection

       - Classified as a loan product involving debt with variable interest rates

3. Critical Illness Insurance

• One-off cash payment as financial protection to the insured party in the event of a diagnosed critical illness
• Insurance companies may cover less critical illnesses such as carcinoma in situ, paying 10-20% of the insurance sum

4. Medical Insurance / Voluntary Health Insurance Scheme

• Shares costly medical expenses with client
• Including hospitalization, surgical, and other medical (non-surgical) expenses

5. Participating Insurance

• Offers both “protection” and “dividends” to the insured party
• Benefits from investment performance of the insurance company, in addition to the insurance protection offered by the policy
• Provides clients with advantageous, long-term, stable investment returns

6. Annuity / Deferred Annuity

• Classified as immediate annuity or deferred annuity, annuities are for retirement planning, converting accumulated savings into stable income over a certain period of time
• Immediate annuity policies have no accumulation period and serve a stable value-added purpose. Policyholders receive regular monthly annuity income after making a one-off premium payment
• Deferred annuity policies have an accumulation period and an annuity payment period. During the accumulation period, policyholders can pay premiums in a lump sum or periodically, allowing their funds to accumulate interest during that period

1. Corporate and Group Insurance

• Group life insurance and medical insurance – group life insurance and medical insurance services are designed for small and medium-sized enterprises with network outpatient coverage, addressing the medical needs of employees
• Corporate protection plan – protecting businesses from financial losses caused by customers that refuse to pay, theft of property, legal liability, harm to reputation and risks affecting employees

2. Labor Insurance

• Employers are obliged to provide all employees with compensation insurance policies
• Ensures that employers are able to cover their liabilities under the ordinance and common law in the event of injury or death at work

3. Engineering Insurance

• Covers accidents, property damage and legal liabilities arising from engineering projects
• Sum assured can be flexibly adjusted based on engineering contract value, third-party liability, or specific coverage requirements under the Employees' Compensation Ordinance

4. Home Insurance

• In the unfortunate event of serious property damage or repair costs as a result of typhoons, fires, burglaries, flooding or burst water pipes, home insurance can provide the most comprehensive protection for property and home belongings
• Tenants also need to purchase home insurance to protect their personal belongings

5. Working Holiday Insurance

• Provides comprehensive coverage for young people
• Some plans offer 24-hour emergency support with highly efficient and immediate support, as well as professional medical advice

6. Travel Insurance

• Provides protection during travel, covering accidents, flight delays, lost properties and other unexpected incidents that may result in financial losses
• Covers emergent medical expenses, trip cancellation, luggage loss/damage, and third-party liabilities

7. Domestic Helper Insurance

• Covers domestic helper's hospitalization, surgery, and outpatient expenses, and also compensation for hospitalization and surgical expenses

The Mandatory Provident Fund (MPF) is a statutory retirement protection scheme for all employed persons in Hong Kong. The statutory contribution rate is calculated as 5% of the employee's income, with an additional 5% contribution required from the employer, making a total contribution rate of 10%. Contributions are usually made on a monthly basis.

1. Master Trust Scheme

• The most common MPF scheme
• Available to employees, self-employed individuals, and individuals transferring their accrued benefits from other schemes

2. Employer-Sponsored Scheme

• Available only to employees of a single employer or its associated companies

3. Industry Scheme

• Designed for employees in the catering and construction industries, particularly for employees on temporary contracts (engaged on a day-to-day basis or for a period of less than 60 days)

4. Consolidation of Personal MPF Accounts

• Consolidating MPF accounts allows easier management and retirement planning

Our consulting and research team provides analysis and management services based on a client's income, spending needs, and assets, and assists clients in identifying the most suitable and effective investment solutions, with the goal of progressively building and protecting the client's wealth, thus effectively enhancing their financial standing.

1. Mutual Fund

• Asset diversification approach
• Manages the risk of an investment portfolio and investment returns
• Multiple investors invest by gathering funds and authorizing asset managers
• Invests funds in different industries, regions, sectors, and markets
• Funds diversified across a range of global companies and sectors
• Effectively manages risk / reward ratios

2. Hong Kong and Global Equity

• Generates long-term returns based on share price appreciation through different investment models based on clients’ financial circumstances
• Dividends from individual shares can be a relatively stable source of income
• The most popular markets include the US stock market, Hong Kong stock market, China A- and B-shares stock markets, Singapore and Japan stock markets
• Apart from individual equities and derivative products such as warrants and callable bull / bear contracts, exchange-traded funds (ETFs) are also popular investment products in recent years. ETFs are similar to passively or actively managed funds and are also listed on the Hong Kong stock exchange

3. Bonds and Fixed-income Products

• Bonds are one of fixed-income products typically issued by companies or governments and funded by investors, which become creditors. The investors or bondholders are paid a fixed income regularly and get back their investments when the bonds reach their maturity date
• Fixed-income products are financial products which offer fixed interest rate, having differing maturities and issuers. They are designed to hedge against interest rate and exchange rate risks, they can reduce economic uncertainty, and they serve as risk-control tools in investment portfolios

4. Property Mortgage Referral

• A type of loan or financial option secured by a property and is one of the “secured loans”
• Provides flexible cash flow-related referral services

A trust is a transfer of assets from the trustor (asset owner) to a designated trustee. The trustee invests and manages assets in accordance with the terms set out by the trustor, and then transfers the income generated to the beneficiary. The assets in trusts can include properties, securities (including stocks, funds, bonds, and other instruments), bank account balances, collectibles, life insurance plans, business assets, tangible assets such as vehicles or yachts, and MPF account balances.

Setting up a trust has numerous advantages, including preventing inheritances from being owned by non-grantees or non-beneficiaries and avoiding sales of properties (properties can be given to beneficiaries in phases, preventing them from simply cashing out). Trusts can be effective immediately once established, or can be created for wealth transmission to ensure adequate savings for retirement or safeguard trustees’ material circumstances through progressive, value-added structuring. A trust document is a private document and privacy is protected, unlike a last will, which a court may require to be disclosed.

Family Office

• Private wealth management advisory firm that serves ultra-high-net-worth individuals (UHNWI)
• Provides a comprehensive suite of wealth management services, including financial planning, investment management, succession planning, tax and accounting advisory, legal advice, children's education and philanthropic arrangement planning

Compared to stocks and bonds, which can be highly volatile, property investment is relatively stable and can meet investors’ differing needs, including wealth management, an income stream, and preparation for immigration or retirement. With relatively stable returns over the past decade, overseas property investment is a good choice for people looking to preserve wealth. Investing in overseas properties is a very complicated process that involves various regulatory frameworks and tax regimes, and it is also affected by exchange rate fluctuations. These factors directly affect the cost of overseas property investments and returns on property sales. We provide our clients with professional analysis and consulting services that includes eight aspects:

1. Investment target
2. Property location
3. Property agent
4. Local law and regulation
5. Mortgage interest
6. Insurance
7. Property management
8. Tax expenses

Immigration is an important life decision. Immigration policies may change over time, so it is crucial to keep abreast of the relevant information before making a decision to migrate. It is also necessary to obtain an accurate estimation of such costs as immigration consultants’ fees, legal fees, and background check fees. Having built up years of experience in the immigration field, our professional team not only answer clients’ most intimate questions on immigration, but also provide them with the most suitable immigration plan according to their budgets and specific needs, as well as assisting them to settle in their dream countries smoothly and quickly.s

Popular immigration destinations include Canada, Ireland, Bulgaria, Portugal, Spain, Taiwan, and St. Kitts (St. Christopher and Nevis). Different countries are suitable for different immigration purposes, so careful consideration of one’s personal financial circumstances and needs is vital prior to making any immigration decision.