Plan for yourself — and for your parents
Retirement isn’t a single number; it’s a sustainable cash-flow arrangement. Starting from your needs, we integrate MPF, annuities, insurance, healthcare and family legacy into one coherent plan you can review over time.
Licensed advisors · In person or by video · A real person follows up
Sound familiar?
The hardest part of retirement planning is rarely the maths — it’s knowing where to begin.
Do I have enough to retire?
How much will you spend each month, and how much should you save? We estimate a personalised target from your lifestyle.
Learn more →How should MPF and annuities work?
When can you withdraw, lump sum or instalments, are annuities worth it? We help you compare and combine.
Learn more →How do I plan for my parents?
From a child’s perspective, sort out your parents’ finances, healthcare and legacy in one place.
Learn more →How much does a month of retirement cost?
Reference ranges often cited in the market, to give you a sense of retirement spending. Actual figures vary by individual.
Reference: HSBC Retirement Monitor (Q2 2026 · June edition, two-person, age 65–79), HK C&SD (2024). Figures are indicative ranges; actual spending varies by individual.
To keep your current lifestyle, you may need to build your own passive income
Even with the mortgage paid off, government allowances alone often fall short in retirement. Take a retired couple's “basic” lifestyle — it's a simple subtraction:
- Retired couple, “basic” lifestyle (monthly)~HK$12,840
- Less: Old Age Living Allowance (two people, from 65, means-tested)− HK$8,690
- Monthly passive income to build (to close the gap)~HK$4,150
In other words, just to keep a “basic” lifestyle you may already face a gap of about HK$4,150 a month to fill with passive income — and a more comfortable lifestyle widens it further. The earlier you start, the lighter the load.
There are many ways to build passive income
- Annuities
- Dividend funds
- REITs
- Rental property / parking
- Participating insurance
- Dividend stocks
- Reverse mortgage
- US Treasuries
Illustrative example, before inflation. Basic living cost per the HSBC Retirement Monitor (Q2 2026, two-person aged 65–79 “basic”, ~HK$12,840); the Old Age Living Allowance is HK$4,345 per person from Feb 2026 (Social Welfare Department), HK$8,690 for two, and is means-tested. Note: even with the flat paid off, fixed costs (management fees, rates & rent, utilities, gas, telecoms) still run about HK$4,500–6,000 a month. Each passive-income method has its own pros, cons and risks; actual results vary by individual.
Three areas, integrated end to end
From retirement cash flow to later-life protection to planning for parents — one team, every piece connected.
Retirement Planning
Estimate your needs, build assets, turn them into cash flow. MPF, annuities, savings and investment.
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Healthcare & Later-Life
Medical protection, long-term care, enduring power of attorney and advance medical directives.
Learn more →
Planning for Parents
Help your parents arrange retirement, healthcare and family legacy — from a child’s perspective.
Learn more →
We start with you, not a sales pitch
Too much planning starts from “which plan to sell”. We do the opposite — understand your cash-flow needs first, then work out the solution that fits you.
- We measure the solution for youAligned to your interests, we weigh the options to find what fits you — not pushing one policy.
- Cash-flow firstRetirement is about steady, sustainable income, not a single lump-sum figure.
- Retirement + healthcare + legacyFinance, health and later-life legal arrangements in one plan.
- For both generationsWe serve your own retirement and planning for your parents alike.
For yourself, and for your parents
Whether you’re counting down to your own retirement or helping ageing parents, we start from the same integrated method.
For yourself
Aged 45–65, approaching or newly retired. Clarify how much you need, how to turn assets into cash flow, and how to arrange retirement healthcare.
Learn more →For your parents
Adult children aged 30–50. Start with the money conversation, then organise finances, healthcare and legacy.
Learn more →Four steps to an integrated plan
Clear, transparent, pressure-free. The first step is simply to understand you — no on-the-spot selling.
- 01
Understand your needs
A conversation about your goals, situation and concerns.
- 02
Analyse the gap
Organise income, expenses, MPF and protection to find the gap.
- 03
Tailor a plan
Weigh the options to build a solution that fits you.
- 04
Review over time
Life changes — your plan should be reviewed and updated regularly.
Professional, transparent guidance for big decisions
Retirement and healthcare are major life decisions. We build a foundation you can trust — licensed credentials, official data and clear disclosure.
Content references official sources including the MPFA, IFEC, HKMC Annuity and the Health Bureau; figures are verified and updated periodically.
Content on this website is for general education and reference only and does not constitute investment, insurance, tax, medical or legal advice.
Understand retirement, step by step
Answer-first explainers on retirement, MPF, annuities, healthcare and legacy.
How much do you need to retire in Hong Kong?
How spending, inflation and longevity shape your savings target.
MPF at 65: lump sum or instalments?
Withdrawal age, options compared, and fitting MPF into cash flow.
EPA vs will vs advance medical directive
The three instruments of peace — differences, uses and requirements.
Frequently asked questions
What does Well Plan do?
Integrated retirement planning across MPF, annuities, retirement investing, medical protection, long-term care, enduring power of attorney and family legacy — and we can plan for your parents too.
Is the consultation chargeable?
Reach us on WhatsApp or via the booking form to learn how our service works (fee details are confirmed directly).
I’m under 50 — is it too early?
The earlier the better. A longer runway means lower monthly contributions and stronger compounding.
Do you only sell a single insurer’s plans?
We work out the solution that fits your needs rather than tying to one provider.
Start planning for your future self today
Book a pressure-free conversation about your retirement, healthcare and legacy. In person or by video — a real person follows up.