THE idea of a ''one-stop-shop'' may conjure up images of Wellcome or 7-Eleven, though such an association would not readily be made with a private banking organisation. Private banker Hill Samuel views this as a niche opportunity which it is seeking to fill. Mr Barry Lea, Hill Samuel's regional director of financial services and marketing, said many expatriates and locals had entrusted different aspects of their financial affairs to a variety of advisers. The net result often means that no one individual is looking closely at the client's overall position, giving rise to a patchwork quilt of advice which may not adequately cover all needs. Mr Lea said Hill Samuel was simply combining a number of things - drawing not only on in-house resources, but also using its network of local and overseas professionals, notably lawyers, accountants and management consultants. He said many professional and business people in Hongkong devoted most of their attention to the affairs of their clients and companies. In doing so, they invariably neglected their own financial affairs until difficulties arose and they then embarked upon a fire-fighting exercise, often with less than satisfactory results. ''I wish I had the proverbial penny for each time I have enchanted a client who has left large sums of Hongkong dollars on deposit for long periods - earning next to nothing - for the simple reason that they have not had the time to do anything about it,'' he said. He said areas of neglect included the fields of personal pension and school-fee planning. ''We have recently dealt with a number of prospective clients' on-going private education overseas. ''Regretfully, we have been unable to assist, simply because they have left it too late to make adequate provision,'' he said. Both existing clients and anyone new approaching Hill Samuel can request a full financial planning review. An account manger will sit down with the individual and build up a picture of his or her personal and financial circumstances and future plans. After the meeting, the case is reviewed internally and, where necessary, the input of external specialist advisers, such as a British tax barrister or an Australian accountant, is sought to help produce a comprehensive report. This contains a summary of the client's position and detailed recommendations on a host of issues, ranging from investment advice, through to structuring a property purchase, or organising a will.