Precious ones to care for. We are here to help you achieve your financial and lifestyle objectives.
You have found the love of your life and decided to spend the rest of your lives together. How wonderful it is to have someone who understands you and to share your success with. You enjoy having a life companion around, but you both long for more – someone who can inherit your success and wealth.
At the same time, you might feel burdened with overwhelming responsibilities as a spouse or perhaps even a parent. We are here to help you develop a clear picture of how your life could look in different stages and to prioritise your goals so you can be well prepared for any challenges and to achieve your financial and lifestyle objectives.
Once you are married or committed, you are no longer responsible only for yourself. For every decision you make, you need to consider its impact on your loved one. If you are planning to have children, you need to consider even more: What kind of life can you provide for them? What happens when they are ill? Can you offer quality medical care for them? Can they choose to work or study whatever they like and wherever they want? And for children the cost multiplies if you have more than one. What happens if a critical accident or illness limits your ability to work? Can you still provide the same standard of living to your loved ones?
As breadwinners, it is top priority for you to manage your risks by having comprehensive and adequate insurance coverage in place, so that the living standard of your loved ones would not be impacted if any critical accident or illness happens to you. It is also good to have your family members well covered which would help minimise medical expenses should they be incurred.
In this life stage, you may feel you have the most burden on your shoulders. Apart from your family needs and perhaps your children’s education, you may still need to take care of your parents’ needs, whilst planning for your own retirement. By saving and investing as early as possible you can help realise your financial goals more easily by allowing enough time to enjoy the effect of compounding.
How can we help?
Oreana Private Wealth specialises in delivering expert financial planning and investment solutions. Our advisors serve each of our clients by being attentive and working to understand your individual needs. We are focused on enhancing your current financial situation and planning to meet your future objectives, as well as delivering market leading investment choices.
Understanding your needs – At the beginning of our journey with you, we will take the time to get to know you, your unique needs and goals to gain a thorough understanding of your current financial situation. This will involve helping you to understand your attitude to risk and to assist in developing your objectives. This may cover many areas, some of which may include:
- Strategies for building wealth for your family’s future
- Saving for your children’s education
- Restructuring and consolidating your finances
- Managing your cash-flow and budget
- Insuring your family against personal risks
- Protecting your assets through trusts
- Your future retirement funding needs
- Estate planning and charitable giving
Creating your plan – From here, our advice and research teams work together to design a financial plan to help build, protect and manage your wealth. This plan will step you through the strategies designed to maximise your current position and guide you through the investment options available to assist you in achieving your financial goals.
Putting your plan to work – After a thorough client consultation process and discussion of the financial plan, we implement the advice we have provided in accordance with your specific requirements. This may also include referrals to other professional services such as legal and accounting.
Monitoring your progress – The key to the long-term success of your financial plan is ongoing management. We commit to working with you to adapt your plan as your priorities shift over time and to help you realise your goals along the way.
Your plan will show you how we, as your trusted partner, will monitor, review and safeguard your future, ensuring changes in the economy, legislation and your personal circumstances are considered, and adjustments made where needed.
Managing your finances does not have to be complex or time consuming. We have straightforward solutions that can make a big difference to your financial situation and options later in life. It is never too late to start.
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A Licensed Financial Firm
In Hong Kong we are licensed by the Securities and Futures Commission (license no. AHX191), the Insurance Authority (license no. FB1443) and the Mandatory Provident Fund Authority (license no. IC000563).
In Australia we are licensed by the Australian Securities and Investments Commission (AFSL No: 482234, ABN 91 607 515 122).