I just read this thread. It's a pity there is no financial planning advisor that you could consult and make long term planning with in Hong Kong. For that to work, system should not reward these people with commission on products sold / bought.
I have had experience with many banks; so called financial planning consists of people to the tune of car salesmen pushing me to buy all kinds of crap.
I had rarely good experience with citigold, with a few good RM's. But they also rush to get you out quickly and switch funds. Of course the commissions.