HSP.Consulting

HSP.Consulting Expat Financial Adviser based in Vietnam:

Helping expatriates across Southeast Asia with pensions, investments and long-term financial planning.

Over 35 years’ experience in financial services. The HSP team was founded by Brian Spence after a 35-year career in the UK and International Financial Services sector in wealth management, business consulting and Mergers and Acquisition. In everything we do, we are driven by innovation, transparency, and interdependence. We take a holistic approach with a long-term view and with a clear commitment, working in partnership with our clients to achieve the best possible outcomes.

28/04/2026
28/04/2026

HIGH-PERFORMANCE LEADERSHIP: TỪ CHIẾN LƯỢC ĐẾN KẾT QUẢ VƯỢT TRỘI
Trong bối cảnh kinh tế đầy biến động, khoảng cách giữa một chiến lược trên giấy tờ và kết quả thực thi thực tế thường là thách thức lớn nhất đối với mọi doanh nghiệp. Năng lực lãnh đạo hiệu suất cao không chỉ dừng lại ở việc hoạch định tầm nhìn, mà quan trọng hơn là khả năng chuyển hóa những mục tiêu vĩ mô thành hành động cụ thể. Chương trình “High-Performance Leadership: Turning Strategy into Results” được thiết kế nhằm cung cấp những giải pháp thực tiễn để thu hẹp khoảng cách này, giúp tổ chức vận hành nhịp nhàng và đạt được những cột mốc tăng trưởng ấn tượng.

Trọng tâm của chương trình nằm ở việc ứng dụng tư duy khai vấn (Coaching) dựa trên khoa học não bộ để tối ưu hóa nguồn lực con người. Thay vì những phương thức quản trị truyền thống mang tính áp đặt, nhà lãnh đạo sẽ được trang bị bộ công cụ để khơi thông tiềm năng, thúc đẩy tinh thần tự chủ và trách nhiệm trong đội ngũ. Đây là yếu tố cốt lõi để xây dựng một tập thể hiệu suất cao, nơi mỗi cá nhân đều thấu hiểu vai trò của mình trong bức tranh tổng thể và nỗ lực vì mục tiêu chung của tổ chức.

Bên cạnh việc phát triển con người, chương trình còn chú trọng vào tính hệ thống và khả năng đo lường kết quả thực tế. Việc thiết lập các cơ chế phản hồi định kỳ và các chỉ số hiệu suất quan trọng giúp nhà lãnh đạo kiểm soát tiến độ một cách khoa học, kịp thời tháo gỡ các rào cản vận hành. Phương pháp tiếp cận tập trung vào giải pháp (Solution-Focused) của Erickson không chỉ giải quyết các vấn đề hiện tại mà còn tạo dựng một văn hóa làm việc hướng tới tương lai, đảm bảo sự phát triển bền vững cho doanh nghiệp trong dài hạn.

Với bề dày kinh nghiệm đào tạo lãnh đạo trên quy mô toàn cầu, Erickson Coaching Việt Nam cam kết mang đến những trải nghiệm học tập mang tính đột phá. Đây là cơ hội để các cấp quản lý tái định hình tư duy lãnh đạo, nâng tầm bản thân và trực tiếp tạo ra những thay đổi tích cực cho kết quả kinh doanh. Việc đầu tư vào năng lực thực thi chiến lược chính là bước đi quyết định để khẳng định vị thế dẫn đầu trong kỷ nguyên số.
_________________________________________
Erickson Coaching Vietnam - Empowering leadership and transformative coaching cultures across Vietnam.
📞 +84 97 893 7106 | 🌐 www.erickson.vn

If I Knew Then What I Know NowWhat You Leave Alone Still MovesWhen I first spent time working overseas — and later livin...
27/04/2026

If I Knew Then What I Know Now
What You Leave Alone Still Moves

When I first spent time working overseas — and later living in Vietnam — I assumed what I had back home could simply be left as it was.
A pension ticking along.
Some investments in place.
Out of sight, but in good order.
For a while, that felt fine.
But over time, I realised that even when you leave things alone, they don’t stand still.
Markets move.
Currencies move.
Rules change.
What once felt well positioned can quietly drift.
Not dramatically. Just gradually, almost unnoticed.
Looking back, I wouldn’t have rushed to change anything.
But I would have checked in sooner — just to see where things actually stood, rather than where I assumed they were.
There’s a difference.
Just a thought from experience.
Brian Harrison Spence
Founding Partner, HSP Consulting
Expat Financial Adviser based in Vietnam, advising clients across Southeast Asia.

24/04/2026

A few days in Hanoi

Spending some time in Hanoi over the coming weeks.

It’s always interesting speaking with expatriates here — everyone’s situation is different, but the same themes tend to come up around savings, pensions, and planning longer term while living overseas.

If I knew then what I know now, I would have started earlier and kept things simpler.

Happy to catch up for a coffee if helpful while I’m here.

If I Knew Then What I Know Now – It All Felt Like NoiseI’ll be honest — when I first looked at markets, savings, investi...
24/04/2026

If I Knew Then What I Know Now – It All Felt Like Noise

I’ll be honest — when I first looked at markets, savings, investing… it all just felt like noise.

Charts moving up and down. Headlines changing every day. Everyone sounding like they knew what was coming next.

I didn’t feel confident in it at all.

But I did have a sense that it was important.

Looking back, that instinct was right.

You don’t need to understand everything at the start.

You just need to recognise it matters and begin, even in a small way.

Just putting something aside regularly and leaving it alone can make a real difference over time.

Clarity comes later. Confidence comes with time.

Just a thought from experience.

If I knew then what I know now.One of the more common issues I see with expatriates is delayed pension planning.Strong i...
21/04/2026

If I knew then what I know now.

One of the more common issues I see with expatriates is delayed pension planning.

Strong income years often pass without a clear structure in place.
The impact is rarely immediate — but becomes significant over time.

Those early years matter more than most people expect.
Once they are gone, the gap is not easy to recover without materially higher contributions.

If I knew then what I know now.I wouldn’t have delayed starting a pension.Those early years matter far more than most pe...
21/04/2026

If I knew then what I know now.

I wouldn’t have delayed starting a pension.
Those early years matter far more than most people realise.
For many expatriates, time passes quickly — good income, busy careers, life overseas.
But the years without contributions don’t just pause. They create a gap that has to be filled later.
And filling it later is always harder.
It’s one of the most common things we see.
Something I see quite often — and not always early enough.

What the UK is proposing, expat markets have been doing for yearsFinancial advice is changing.The UK has introduced new ...
11/04/2026

What the UK is proposing, expat markets have been doing for years

Financial advice is changing.

The UK has introduced new rules to make it easier for people to get started, without going through a full advice process straight away.

In reality, this reflects something we have seen for many years.

Most people don’t want a detailed financial review at the first meeting.

They want to understand who they are dealing with.
They want to build confidence first.

Trust comes before detail.

There is also a simple reality.

Cost is one of the biggest reasons people delay financial planning.

Many are not comfortable paying a fee before they feel ready.
So they wait — or do nothing at all.

In the past, commission-based structures made it easier to begin, without the need for an upfront payment.

When applied properly, this created alignment — clients took action, and advisers were rewarded for helping them move towards their financial goals.

A more gradual approach allows people to start with a conversation and build from there.

Sometimes the first step doesn’t need to be complicated.

Brian Harrison Spence
HSP Consulting

From the HSP Archive – Reflections on VietnamOver the years, I’ve been asked many times:How do you choose the right fina...
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

Southeast Asia Advice Market – What Comes NextI was recently invited to contribute to a discussion on how the financial ...
31/03/2026

Southeast Asia Advice Market – What Comes Next

I was recently invited to contribute to a discussion on how the financial advice market in Southeast Asia is evolving.

Vietnam and the wider region are seeing increasing demand for clearer, long-term financial planning — particularly among expatriates living and working overseas.

In our experience at HSP Consulting, many expats still spend years abroad without putting a structured financial plan in place. This can lead to fragmented pensions, investments across multiple jurisdictions, and no clear long-term direction.

Working alongside Brandon, our US specialist, we are also seeing increasing complexity for international clients, particularly those with US-related considerations.

This is a market that is evolving — and those who take structured advice early tend to be in a much stronger position over time.

Full article:
https://international-adviser.com/is-the-southeast-asian-advice-market-ready-for-what-comes-next/

The challenges of 2023 have faded into memory, leaving us poised to welcome the opportunities of 2024 with optimism. On ...
09/02/2024

The challenges of 2023 have faded into memory, leaving us poised to welcome the opportunities of 2024 with optimism.
On behalf of HSP Consulting, we extend warm wishes to all for a joyous New Year! May the Year of the Dragon bring you prosperity, success, and countless growth opportunities!

Address

16A/67 To Ngoc Van Str. , Tay Ho
Hanoi
10000

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