What happens in a financial review?

A financial review usually takes about an hour. It's a chance for us to get to know you - and for you to get to know us before you make any investment decisions.

During your financial review you'll have a confidential discussion with a Wealth Manager about a range of things, including:

• where you live and any plans you have to move in the future
• your family circumstances and financial commitments
• the savings, investments and protection policies you already have
• what you plan to do when you retire
• your tax* obligations at home and abroad
• how you feel about different levels of investment risk.

Please remember that with investments the value of shares and the income from them may go down as well as up, is not guaranteed, and you may not get back the amount you invested. We always recommend that any shares held are viewed as a medium to long-term investment (at least five years).

*The value of any tax advantages will depend on your individual circumstances. You should bear in mind that the tax treatment could change. For UK pensions, pensions may not be accessible until you take your retirement benefits.

After your financial review your Wealth Manager will look at investments and protection policies from a number of different providers - not just HSBC.

To help them in their research, they have access to market reports and analysis compiled by global teams of independent experts. They also use HSBC's Worldwide Funds Service - a shortlist of best in class investments created (and updated) using strict performance, quality and suitability criteria.

When your Wealth Manager has completed their research, they'll send you all their recommendations in a detailed report. Then we'll arrange a second appointment - so you can discuss the report with them.

If you're happy with the recommendations in your financial report, we'll send you a few forms to sign before we set up your new investments and protection policies. If you decide you don't want to invest or protect your wealth with us, you're not under any pressure to go ahead.

Please remember that with investments the value of shares and the income from them may go down as well as up, is not guaranteed, and you may not get back the amount you invested. We always recommend that any shares held are viewed as a medium to long-term investment (at least five years).

Your financial report sets out all the investment, protection and retirement solutions recommended by your Wealth Manager - with details of the benefits, risks and charges associated with each product.

The recommendations in your report could include:

• savings and investments to cover your children's school and university fees
• protection policies that will follow you around the world
• retirement solutions to give you the lifestyle you want when you stop work
• opportunities to take advantage of the potential tax* benefits of saving and investing offshore
• estate planning solutions to protect and preserve your wealth.

Please remember that with investments the value of shares and the income from them may go down as well as up, is not guaranteed, and you may not get back the amount you invested. We always recommend that any shares held are viewed as a medium to long-term investment (at least five years).

*The value of any tax advantages will depend on your individual circumstances. You should bear in mind that the tax treatment could change. For UK pensions, pensions may not be accessible until you take your retirement benefits.

As part of our wealth management service, we provide a free annual review of your HSBC Expat portfolio - to check your investments remain in line with your objectives and attitude to risk.

If your circumstances change, your Wealth Manager will review your portfolio immediately - and recommend ways to keep your financial plans on track. You can also discuss your portfolio with your Wealth Manager whenever you want. And you can check the value of your investments online using AssetMaster - our administration service that makes it easy for you to manage your HSBC Expat portfolio.

Please remember that with investments the value of shares and the income from them may go down as well as up, is not guaranteed, and you may not get back the amount you invested. We always recommend that any shares held are viewed as a medium to long-term investment (at least five years).

We recommend that you read our Important Information section.

More about our ongoing support

We have teams of Wealth Managers based at our Head Office in Jersey, and at our international offices in Dubai, Hong Kong and South Africa.

We also have an affiliate office in London where our advisers can talk to you about financial planning - and put you in touch with a Wealth Manager.

If you live near one of our international offices, you can meet with a Wealth Manager. If you don't live close by, our Wealth managers also regularly visit countries around the world so they may be able to meet with you face to face in the country you're living in. Alternatively we can carry out a financial review by phone.

See where we're based

Before you book a financial review with one of our Wealth Managers, make sure you meet our investment criteria.

• If you're an HSBC Premier or Advance customer, you need to have at least  £20,000 (or the currency equivalent) to invest.
• If you don't already have an account or investments with us, you need to have at least  £20,00 (or the currency equivalent) to invest.