I want a second opinion on my portfolio
For clients who already have a bank, broker, investment account, insurance policy, or private banking relationship but want an independent review of whether the overall structure still fits their needs.
Hong Kong · AsiaPrivate wealth,
Private wealth,
properly coordinated.
RTD Private Wealth provides independent, relationship-led advice for clients whose financial lives require judgment, discretion, and coordination across wealth, family, property, protection, liquidity, and trusted specialist relationships.
Founder-ledOpen ArchitectureBy Appointment Only
Our Core BeliefAdvice built around your needs,
Advice built around your needs,
not product targets.
Many clients already have banks, brokers, insurers, lawyers, tax advisers, trustees, and property relationships. What they often need is a trusted adviser who can help them step back, understand the whole picture, and coordinate decisions around their actual needs.
RTD Private Wealth begins with the client's situation, obligations, goals, risks, and existing relationships. Solutions come second.
Client SituationsWhat brings clients to
What brings clients to
RTD Private Wealth?
Most clients come to us facing a specific decision or change in circumstance. We listen first, then help them think it through.
I am making a major property decision
A property purchase, sale, refinance, or relocation can affect liquidity, mortgage structure, protection needs, cash flow, investment risk, and long-term planning.
I need to protect my family
For clients thinking about insurance, estate liquidity, education funding, dependents, aging parents, income protection, or continuity across generations.
I have too much cash and no clear plan
For clients holding significant cash who want to think carefully about liquidity, yield, risk, timing, and future obligations.
I am a business owner or executive
For clients with business interests, share awards, concentrated wealth, a potential liquidity event, or complex income and asset structures.
My life is cross-border
For internationally mobile clients and families with assets, family members, obligations, or planning considerations across jurisdictions.
I am thinking about retirement or life after work
For clients who want to understand income needs, liquidity, risk, healthcare, family support, lifestyle, housing, and legacy.
I need someone to coordinate the pieces
For clients who already have multiple providers but need a trusted point of coordination across investments, protection, property, tax, legal, and family planning.
Our ApproachNeeds first.
Needs first.
Solutions second.
A clear, considered process that respects the client's existing relationships and the decisions in front of them.
Explore Our Approach- 01
Understand
We begin with your situation, goals, obligations, concerns, existing relationships, and the decisions you are facing.
- 02
Review
We assess the current picture, including investments, liquidity, protection, property, family needs, risk, and provider relationships.
- 03
Plan
We identify priorities, risks, gaps, opportunities, and practical next steps.
- 04
Coordinate
Where appropriate, we help coordinate with banks, insurers, lawyers, tax advisers, trustees, property professionals, or other specialists.
- 05
Implement
We support execution through suitable providers and regulated channels.
- 06
Monitor
We review over time as markets, family needs, personal circumstances, and opportunities change.
By AppointmentStart with a
Start with a
confidential conversation.
You do not need to move assets or make decisions before speaking with us. Many clients begin with a private second opinion, a planning conversation, or a review of a specific decision they are facing.
Private Wealth Decisions
All insightsConsidered perspectives on the decisions that matter.
When should you seek a second opinion on your portfolio?
A review can help assess concentration, risk, fees, product complexity, suitability, cash levels, and alignment with family goals.
Request a conversationA property decision is rarely just a property decision
Property decisions can affect liquidity, mortgage structure, insurance, cash flow, estate planning, and investment risk.
Request a conversationHow much cash should a family keep?
Cash is not only an investment question. It is also about obligations, opportunities, safety, timing, and peace of mind.
Request a conversationWhat does independent wealth advice actually mean?
Independent advice should start with the client's needs rather than a single provider, product shelf, or institutional target.
Request a conversationHow family protection fits into private wealth planning
Wealth planning is not only about growing assets. It is also about protecting income, family obligations, education plans, estate liquidity, and continuity.
Request a conversationWhat business owners should review before a liquidity event
The planning often matters most before the transaction, not after the money arrives.
Request a conversationWho We ServeClients with real complexity,
Clients with real complexity,
and a long horizon.
Families and individuals with growing complexity
For clients whose wealth, responsibilities, providers, and decisions have become more complex over time.
Professionals and executives
Balancing income, investments, equity compensation, property, tax considerations, retirement planning, and family obligations.
Business owners and entrepreneurs
Managing business wealth, personal wealth, liquidity events, succession, risk, and family planning.
Property-led wealth clients
Clients whose financial lives are closely linked to property purchases, sales, refinancing, rental income, or cross-border property decisions.
Internationally mobile clients
Family, assets, income, property, education, residency, or succession considerations across more than one jurisdiction.
Clients seeking a second opinion
Clients who value their current providers but want an independent review before making important decisions.
Pre-launch Private BriefingsRequest an Invitation
Small, considered conversations ahead of launch.
Ahead of our formal launch, RTD Private Wealth is hosting a small number of private conversations and briefings for clients, families, business owners, and professional partners who want to think more carefully about wealth, family, property, protection, and long-term planning.
Each conversation is private, unhurried, and tailored to the questions and decisions that matter most to the participants.
Technology + Personal TouchModern tools.
Modern tools.
Personal at the centre.
We use best-in-class technology to make our service faster, clearer, and better coordinated — across reporting, document flow, and client communication.
Technology supports the relationship; it does not replace it. The judgment, discretion, and personal attention that define RTD Private Wealth remain unmistakably human.
ContactRequest a private
Request a private
conversation.
Share a little context and a member of our team will respond personally. All enquiries are treated confidentially.
Information submitted through this site is used only to respond to your enquiry and will not be shared with external providers without your consent.
Hong Kong
By appointment only.