Cliff Harkins - Profile Picture

Cliff Harkins


Cliff heads up our dedicated Group Medical Team providing the highest service and product access to our corporate clients. We have successful long-term relationships with some of Hong Kong’s top legal practices and Hedge Funds. 

Disclosure relating to potential Conflict of Interest:

Cliff Harkins is employed by Private Capital Limited to engage with our clients about their Private Medical Insurance needs. Cliff is not authorised by Private Capital Limited to advise on other areas and specifically is not involved in any SFC regulated work for Private Capital Limited. Private Capital Limited has no association (informal or formal) with any trust or tax related services upon which Cliff may advise or which he may introduce. Should you have any questions relating to this statement, please contact our Managing Director, Rick Adkinson via email



Our Financial Services


Private Capital delivers tailored solutions for clients' investment, insurance and protection needs.

ORSO: Group Retirement Planning

ORSO: Group Retirement Planning

Installing a well-designed and well-communicated ORSO group retirement plan is an easy way for employers to deliver an exceptional employee benefit...

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Group Private Medical Insurance

Group Private Medical Insurance

Optimise your cover vs. budget and simplify the process of getting the right cover in-force at the right price and at the right time.

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Second Opinion

Second Opinion

Tailored reports for those seeking a second opinion on existing investments, offering a succinct, objective, third-party review.

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Estate & Succession Planning

Estate & Succession Planning

Estate and succession planning provides peace of mind that your assets will be inherited by your chosen beneficiary. It starts with creating a will...

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Personal Retirement Planning

Personal Retirement Planning

Retirement is closer than you think! Click me!

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Protection Planning

Protection Planning

Protecting you, your family/dependants and or business is one of the most important areas of advice.

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Investment Management

Investment Management

Fee-only Evidence-Based Investment management which is unbiased, truly independent and executed in a highly cost efficient manner. 

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