Your autumn financial health check
As the year begins to wind down, autumn is a smart time to step back and reassess your financial position. Before the festive season and year-end deadlines take over, a quick review can help you stay organised and in control – and make the most of any remaining planning opportunities.
HERE’S a simple five-point checklist to guide your review:
1 Budgeting
Are your income and expenses still aligned? Changes in energy bills, mortgage payments, or lifestyle costs can creep up – now’s a good time to make sure your budget still reflects reality.
2 Savings
Have you made the most of your allowances this year? Autumn is a great time to consider topping up ISAs or pension contributions, especially if you’ve had a change in income or windfall.
3 Investments
Are your portfolios performing as expected? Market conditions may have shifted since your last review. Check in on your asset mix, risk level, and whether your current strategy is still on track for your long-term goals.
4 Tax planning
Are you making full use of your annual exemptions? That could include capital gains allowances, gifting limits, or opportunities to offset income tax. These are often “use it or lose it” – so don’t leave it too late.
5 Estate planning
Are your documents up to date? A quick review of your will, power of attorney, and protection policies can provide peace of mind for you and your family.
Small changes now can lead to greater confidence later.
At McHardy Private Wealth, we work with clients across Scotland to create personalised financial strategies that adapt with them throughout the year.
Ready for a seasonal check-in?
Contact us to arrange your autumn review, and head into the final quarter feeling focused and in control.
