Brian Spence Financial Planner for Expats in Hanoi, Da Nang & Saigon

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Brian Spence Financial Planner for Expats in Hanoi, Da Nang & Saigon 35+ years in wealth management. Hi, I’m Brian Harrison Spence. The booking link is in the first comment below.

Now in Vietnam, helping expats in Hanoi, Da Nang & Saigon review their finances and plan for the future with clear, independent advice on pensions, retirement, investments, and tax-efficient strategies. With over 35 years in wealth management and almost a decade living in Vietnam, I understand the unique financial challenges expats face. My wife and I have raised five children (now grown), so I kn

ow what it means to balance planning for the future with life’s adventures. Now, as empty nesters, my passion is helping expats in Hanoi, Da Nang, and Saigon create, protect, and grow their wealth. I provide practical, personal, and independent financial planning — from pensions and retirement to investments and tax-efficient strategies — always with a long-term perspective and a client-first approach. We support expats in Hanoi, Da Nang, and Saigon protect and grow their wealth through tailored financial planning.

📅 Want to chat? [email protected]/?ismsaljsauthenabled" rel="ugc" target="_blank">https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled

💬 Drop a comment to say hello and let me know where you’re based in Vietnam (or beyond).

THE HABITI don’t have enough is one of the most common things I hear:“I’ll start when I have more money.”Especially from...
12/05/2026

THE HABIT

I don’t have enough is one of the most common things I hear:

“I’ll start when I have more money.”

Especially from people early in their careers.

It sounds sensible.

But it’s usually the mistake.

Because investing isn’t about how much you start with.

It’s about when you start.

Small, regular amounts over time do far more than people expect.

Not because the numbers are big at the beginning…

…but because time does the heavy lifting.

And the part most people underestimate?

The habit.

Once it starts, it builds.

Once it’s delayed, it tends to stay delayed.

So it’s rarely about not having enough.

It’s about not getting going.

If you’ve been telling yourself you’ll start “later”…

we should have a conversation.

Lost Treasure Somewhere in a loft or cupboard lies my greatest unrealised investment return.I just have no idea where.Ba...
09/05/2026

Lost Treasure

Somewhere in a loft or cupboard lies my greatest unrealised investment return.

I just have no idea where.

Back in 1966, when England won the World Cup for the one and only time, the government issued first-edition commemorative stamps.

I was about 14 and absolutely convinced they would one day make me rich.

So naturally, I stored them very safely inside an old encyclopedia.

I have never seen them since.

But in many ways, that is the real lesson about money and investing.

Human behaviour matters more than people realise.

Forgotten pensions.
Old share certificates.
Premium Bonds.
Dormant accounts.
Savings bonds tucked away in drawers.
Investments people meant to “sort out later”.

It happens far more often than most people think.

Over the years, I have met people who rediscovered pensions worth far more than expected simply because time had quietly done its work in the background.

The same can apply to old savings bonds and investments that may still be earning interest or have compounded over time.

Worth checking before they end up like my stamps.

What is your own “lost treasure”?

I would love to hear what people have rediscovered — or forgotten about — over the years.

Just a thought from experience.

Markets at All‑Time HighsMarket Timing?📈 Stock markets are hitting new highs — and that’s when most people hesitate.It f...
06/05/2026

Markets at All‑Time Highs
Market Timing?

📈 Stock markets are hitting new highs — and that’s when most people hesitate.
It feels like the worst time to start.
But if you’re investing monthly, today’s price isn’t the issue.
You’re not trying to get it right once — you’re building over time.
When markets are high, you buy fewer units. When they fall, you buy more.
That’s how the average works in your favour.
The biggest mistake isn’t starting at the wrong time.
It’s waiting for a “better” time that never comes.
If that sounds familiar, let’s talk. ☕

Just a thought from experience.
Brian Harrison Spence
Founding Partner – HSP Consulting

Markets at All‑Time HighsMarket Timing?📈 Stock markets are hitting new highs — and that’s when most people hesitate.It f...
06/05/2026

Markets at All‑Time Highs

Market Timing?

📈 Stock markets are hitting new highs — and that’s when most people hesitate.

It feels like the worst time to start.

But if you’re investing monthly, today’s price isn’t the issue.

You’re not trying to get it right once — you’re building over time.

When markets are high, you buy fewer units. When they fall, you buy more.

That’s how the average works in your favour.

The biggest mistake isn’t starting at the wrong time.

It’s waiting for a “better” time that never comes.

If that sounds familiar, let’s talk. ☕

Just a thought from experience.

Brian Harrison Spence

Founding Partner – HSP Consulting

f I knew then what I know now - The Dunkirk spiritWhen I arrived in Hanoi a decade ago at sixty three, I thought I had i...
29/04/2026

f I knew then what I know now - The Dunkirk spirit

When I arrived in Hanoi a decade ago at sixty three, I thought I had it sorted. Thirty five years in financial services. Sold a business. Had a plan.

What nobody told me — and what I couldn't have told myself — was that five to ten years is the minimum before Vietnam takes you seriously.

I found that out the hard way.

First two years were just relationship building. Networking. Long lunches. Not much money coming in. Just Dunkirk spirit and staying put.

Then COVID hit.
Everything changed overnight. Expats went home. Businesses shut. Everything I'd built needed rethinking.

At sixty three that felt manageable. At seventy three looking back, I wonder sometimes if I would have come at all, had someone sat me down and told me the truth upfront...

But I didn't know. So I stayed. And I kept going.
I'm not sure that's a success story. I think it's just an honest one.

What would your "If I knew then" moment be? I'd like to hear from you — drop a comment or send me a message.

If I knew then what I know now - The Dunkirk spiritWhen I arrived in Hanoi a decade ago at sixty three, I thought I had ...
29/04/2026

If I knew then what I know now - The Dunkirk spirit

When I arrived in Hanoi a decade ago at sixty three, I thought I had it sorted. Thirty five years in financial services. Sold a business. Had a plan.

What nobody told me — and what I couldn't have told myself — was that five to ten years is the minimum before Vietnam takes you seriously.

I found that out the hard way.

First two years were just relationship building. Networking. Long lunches. Not much money coming in. Just Dunkirk spirit and staying put.

Then COVID hit.
Everything changed overnight. Expats went home. Businesses shut. Everything I'd built needed rethinking.

At sixty three that felt manageable. At seventy three looking back, I wonder sometimes if I would have come at all, had someone sat me down and told me the truth upfront...

But I didn't know. So I stayed. And I kept going.
I'm not sure that's a success story. I think it's just an honest one.

What would your "If I knew then" moment be? I'd like to hear from you — drop a comment or send me a message.

If I knew then what I know now - The Dunkirk SpiritWhen I arrived in Hanoi a decade ago at sixty three, I thought I had ...
29/04/2026

If I knew then what I know now - The Dunkirk Spirit

When I arrived in Hanoi a decade ago at sixty three, I thought I had it sorted.

Thirty five years in financial services. Sold a business. Had a plan.

What nobody told me — and what I couldn't have told myself — was that five to ten years is the minimum before Vietnam takes you seriously.

I found that out the hard way.

First two years were just relationship building. Networking. Long lunches. Not much money coming in. Just Dunkirk spirit and staying put.

Then COVID hit.
Everything changed overnight. Expats went home. Businesses shut. Everything I'd built needed rethinking.

At sixty three that felt manageable. At seventy three looking back, I wonder sometimes if I would have come at all, had someone sat me down and told me the truth upfront...

But I didn't know. So I stayed. And I kept going.
I'm not sure that's a success story. I think it's just an honest one.

What would your "If I knew then" moment be? I'd like to hear from you — drop a comment or send me a message.

Address

16A/67 To Ngoc Van, Quang An, Hanoi, Vietnam. T + (84) 24 2123 8242
Tay Ho
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