06/04/2026
From the HSP Archive – Reflections on Vietnam
Over the years, I’ve been asked many times:
How do you choose the right financial adviser, especially when living overseas?
Most people start with a recommendation.
A friend, a colleague, someone they trust.
It’s a reasonable place to begin.
But it is not the same as trust.
A good conversation can feel reassuring.
A natural relationship can develop quickly.
But real trust is built differently.
In my experience, it comes down to three things.
Experience
Not just time in the industry, but depth.
Having worked through different market cycles, different client situations, and different outcomes.
Perspective
The ability to see beyond the immediate decision.
Many financial mistakes don’t look like mistakes at the time. They only become clear years later.
Consistency
A structured approach that holds together over time, not something that changes direction with every new idea or market movement.
For expatriates, this matters even more.
You are often dealing with multiple jurisdictions, pension decisions that follow you across borders, and investment structures that need to work long term, not just today.
In some cases, additional complexity comes into play, particularly for US-connected clients where advice needs to be handled carefully.
There is one final point that is rarely discussed.
What happens if your adviser is no longer there?
Advice is not a one-off decision.
It is a long-term relationship.
Continuity matters.
The strongest advisory relationships are those where there is a clear philosophy, a consistent approach, and a structure that allows advice to continue even if individuals change.
Choosing the right adviser is not about familiarity.
It is about judgement, experience, and the ability to guide you over time.
A longer version of these thoughts has been submitted to International Adviser and I’ll share the link once published.
Brian Harrison Spence
Founding Partner, HSP Consulting
Expat Financial Adviser based in Vietnam, advising clients across Southeast Asia