About Well Plan

What we believe

Well Plan is a cash-flow-first, licensed retirement planning advisor in Hong Kong. We believe retirement planning should start from your needs — not from a sales pitch.

• Client-first — we weigh the options around your needs.
• Integrated — retirement, healthcare and legacy, end to end.
• Two generations — for you, and for your parents.
• Educational — we explain “why”, rather than hard-sell.

How we work

We break the big question — “will I have enough?” — into four manageable steps.

1. Understand youWe start with your retirement goals, current situation, family responsibilities and worries — not with a product.
2. Analyse the gapOn a cash-flow basis, we estimate your retirement income and expenses to see the monthly shortfall.
3. Integrate a planWe put MPF, annuities, insurance, savings and government benefits on one page and compare the combinations.
4. Review over timeMarkets, rules and your life all change, so we review and adjust with you regularly.

Who we help

We work with Hong Kong families planning for retirement, and with the generation caring for ageing parents at the same time. Common situations include:

• 10–15 years from retirement, wanting to know how much to prepare now.
• Close to retirement, wanting to turn MPF, annuities and savings into steady monthly income.
• Arranging healthcare, elderly benefits and legacy for ageing parents.
• No children or a more complex family structure, wanting to plan early.

Why integrated planning

Retirement isn’t a problem a single product can solve. Income, healthcare, tax and legacy all affect one another — buy in the wrong order, or look at one product in isolation, and something usually suffers. We look at them together on one page, so every decision lines up with your overall goals.

Our mission

To help every Hong Kong family start planning today — for their future selves and their parents.

Service principles

• Your long-term interests come first.
• We explain assumptions, limits and fees clearly.
• For any figure, return, tax or legal matter, we advise professional consultation.
• We avoid exaggerated language like “guaranteed returns”, “sure win” or “the best”.

Licensing & compliance

Well Plan’s retirement planning advice is provided through licensed insurance intermediaries regulated by the Hong Kong Insurance Authority (IA); MPF-related matters are regulated by the MPFA. You can verify the relevant licence status through the regulators’ public registers of licensees — see our Licensing Disclosure page for details.

Content on this website is for education only and is not investment, tax or legal advice.