How prepared are you for a financial shock?

By | 06.2018|Protection|

Over three million working couples are classed as 'double income, no option' (DINOs), which means there are potentially financially vulnerable if one of the two loses their earnings. The typical household today looks very different from the traditional image of a working family made up of one primary breadwinner and one homemaker. Instead, nowadays many households rely on two incomes [...]

What are your retirement dreams?

By | 06.2018|Pensions, Retirement Planning|

Retirement is a time for you to do the things you've always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen once you've retired that may impact your budget. Thinking about these early could help you when you're deciding the best way to take [...]

Beware of the scammers!

By | 05.2018|Hartey News|

A recent study by Citizen’s Advice found nine out of ten people would fail to spot common warning signs of a pension scam, such as unusually high investment returns, cold calling and offers of free financial advice. It’s very important to remain vigilant when you are looking to access the money you have invested. Last year, victims of investment fraud lost on average [...]

Inheritance Tax & AIM

By | 05.2018|Inheritance Tax|

We are always seeking solutions for our clients and looking to provide products that will help them manage their assets more efficiently, with the aim of protecting and growing their wealth for the future. Preparing for Inheritance Tax (IHT) is an area that regularly impacts on our clients’ financial and legal planning. Across HWM, depending [...]

Creating the right investment strategy

By | 05.2018|Investment, Uncategorised|

There are always going to be bumps in the road on every journey, which is why it’s essential to be flexible enough to adjust your plans when the unexpected happens. Your wealth creation objectives need to be able to adapt to whatever’s going on in your life. Nothing should stand between you and your long-term goals. Creating and maintaining the right [...]

Diversification, Diversification, Diversification

By | 05.2018|Investment|

THERE ARE MANY WAYS TO INVEST AND DIFFERENT TYPES OF INVESTMENTS. BUT WHEN LOOKING TO BUILD AN APPROPRIATE DIVERSIFIED PORTFOLIO, INVESTORS HAVE A NUMBER OF DIFFERENT CHARACTERISTICS TO EVALUATE. FOR EXAMPLE, IS THE INVESTMENT DESIGNED TO PROVIDE GROWTH OR INCOME? IS IT DOMESTIC OR INTERNATIONAL? DOES IT HAVE A MATURITY? ANOTHER CONSIDERATION IS WHETHER THE INVESTMENT IS ACTIVELY OR PASSIVELY [...]

Karl’s recommended reads – Finding my virginity!

By | 04.2018|Book review|

It’s that time again! Karl has been busy adding to his recommended reads list and this time he offers a short synopsis of “Finding my virginity” by Sir Richard Branson. Twenty years after his iconic memoir Losing My Virginity, the world’s ultimate entrepreneur is back with the rest of the story. Richard Branson’s Losing My [...]

Protecting your business

By | 04.2018|Protection|

For many business owners it can be impossible to fully separate their business and personal affairs. Often your business is the main asset within your personal estate and the main source of income for you and your family. Business owners have particular demands and circumstances and their will and estate planning needs to take this [...]

How to make the most of your retirement

By | 04.2018|Retirement Planning|

EVEN IF RETIREMENT ISN’T FAR AWAY, THERE ARE STEPS YOU COULD TAKE TO INCREASE YOUR EVENTUAL RETIREMENT INCOME. THIS APPLIES BOTH TO YOUR STATE PENSION ENTITLEMENT AS WELL AS TO ANY PERSONAL OR WORKPLACE PENSION POTS. We’ve provided some areas to consider that you may wish to discuss with us to help you to meet [...]

Presenting our guest speaker at the 2018 Client Appreciation Event….

By | 04.2018|Hartey News|

Now you've received our Newsletter, you'll know we've secured a brand new date and venue for our next Client Afternoon Tea Event. Along with the new venue, we've secured an entertaining new speaker too - Kirsty Jackson. We can't wait to hear Kirsty's talk and to get you all that little bit more excited about the [...]