A Manulife survey of 1,000+ high-net-worth individuals across Asia-Pacific reveals that Hong Kong's wealthy are rethinking retirement—58% expect to work beyond traditional retirement age, with 32% planning to work 5-10 years longer. More concerning: 41% lack confidence their heirs can manage family wealth effectively, yet over half have never discussed wealth planning with the next generation. This generational wealth-transfer gap and extended working lives reflect aging demographics and a shift toward flexible "multi-stage" lifestyles rather than fixed retirement dates.