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Frequently Asked Questions
We understand that you'll no doubt have questions regarding our services, your outcomes and now we can build a long-term working relationship.
We've compiled some of the most frequently asked questions here. Don't worry if you can't find what you're looking for, you can ask your own questions towards the end of this page.
Questions about Summit Financial
What makes Summit different from other financial advisers?
Who do you typically work with?
We focus on clarity, evidence‑based planning, and cross‑border expertise — not product sales. Our work is grounded in cashflow modelling, transparent advice, and long‑term partnership.
We specialise in helping UK and Australian linked people living in Hong Kong who want clear, structured, cross‑border financial planning and ongoing support.
Do you provide one‑off advice or ongoing relationships?
What is cashflow modelling and why is it important?
How often do we meet or review the plan?
We work on ongoing relationships because that’s how we’re able to best support people. A plan only works if you have guidance, discipline, and regular updates as life changes.
It’s a visual, evidence‑based projection of your financial future. It helps you understand when you can retire, whether you can afford major decisions, and how your plan holds up under different scenarios.
Typically once or twice a year, with additional check‑ins when life changes. You can reach out anytime you need clarity or guidance.
Questions about charges and who we work with
How do you charge for your services?
Our fee structure typically includes an initial advice fee of 1–3%, depending on the investment amount and complexity of advice. Our ongoing advice fee is typically 1% of the funds we help manage. Our fees are transparent and simple. We outline them clearly before any commitment.
Do you advise on UK pensions or Australian super?
Can you help if I’m planning to move back to the UK or Australia?
Do you manage investments?
Do you work with clients outside Hong Kong?
Yes — we advise directly on UK pensions. For Australian super, we work with trusted Australian‑licensed partners who can provide the appropriate advice.
Absolutely. Repatriation planning is one of our core strengths. We cover everything from pensions and tax considerations to cashflow, currency, and lifestyle planning.
Yes. We build and manage globally diversified, evidence‑based portfolios aligned with your long‑term plan and cashflow needs.
We primarily support clients living in Hong Kong with ties to the UK or Australia, but we can continue working with you if you relocate.
Questions about your first meeting
What do I need to prepare before our first meeting?
Nothing complicated — just a rough idea of your goals and any documents you already have. We’ll guide you through the rest.
Is there any obligation after the first meeting?
No. The first conversation is simply to understand your situation and see whether we’re a good fit.
Questions about investments
What investment philosophy do you follow?
We use an evidence‑based approach grounded in diversification, low costs, discipline, and long‑term principles — not speculation or market timing.
What happens if markets fall?
We stay disciplined. Your plan is built to withstand volatility, and we guide you through uncertain periods with evidence, context, and calm.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
St. James’s Place guarantees the suitability of the advice given by members of Summit Finanical when recommending any of the wealth management products and services available from St. James’s Place companies in the group.
St. James’s Place (Hong Kong) Limited is not licensed to provide tax advice. Any information provided is for general information purposes only and should not be relied upon as tax advice. You should seek independent advice from a suitably qualified tax advisor in relation to your specific circumstances before taking any action.
Recommendation relating to a Will, matters of guardianship, trust, Lasting Power of Attorney, or mortgages involves a referral to a service provider that is separate and distinct from St. James’s Place.