As we reflect on the past 12 months, certain themes consistently came up in our conversations with clients across Scotland.

As the festive season approaches, many people find themselves thinking more about family – and how they might support children or grandchildren, both now and in the future.

We’re delighted to welcome Mark Harrison APFS, our new Chartered Financial Planning Director, to the McHardy Private Wealth team.

From ISAs and investments to inheritance planning, a quick pre-Budget review can help you stay prepared for whatever the new tax year brings.

When it comes to managing your finances, there’s no shortage of advice – some helpful, some less so. Here are a few common financial myths we often hear:

Autumn is a smart time to step back and reassess your financial position. A quick review can help you stay organised and in control – and make the most of planning opportunities.

At McHardy Private Wealth, we’re proud to be independent, Scottish, and chartered – three pillars that underpin everything we do. But what do these qualities actually mean for you as a client?

For many families, money is still a taboo topic. Whether it’s inheritance, property, business succession or everyday financial habits, these conversations can be difficult to start – but they’re too important to avoid.

From Junior ISAs to family trusts, there are several smart ways to give children or grandchildren a financial boost. See how we helped one client create a flexible plan for her grandson’s future.

Running a business demands focus – but don’t let your personal finances fall by the wayside.

Good financial planning is about more than just investment decisions: it’s about clarity, confidence, and knowing the choices available to you.

Lewis shares what drew him to financial advice, the areas he supports clients with, and what he gets up to outside of work.

This checklist can help you make sure your financial strategy stays aligned with your life.

There are times throughout the year when things naturally settle. Whether it’s school holidays, a break between big projects, or simply a quieter patch in your schedule, these pauses can offer a valuable chance to step back and take stock.

We want to highlight what our chartered status means – and why it continues to be central to the service we provide.

Even for seasoned investors, financial terminology isn’t always accessible. 

What have we discovered after years of helping our clients build secure, fulfilling futures?

Early retirement is a dream for many, but it requires careful planning to ensure financial security and sustainability

While we can’t control the turmoil of world events, we can control how we prepare for them