McHardy Private Wealth

We're lacing up for a good cause! 🥾

On Thursday 10 September, the McHardy Aberdeen team is taking on a 10km walk or run along the beautiful Deeside Railway Line, starting at Duthie Park and stopping for a very important coffee at Boxcar in Cults along the way.

We're raising money for Aberdeen Mountain Rescue Team — incredible volunteers who give up their time to help people in some pretty testing conditions. If you'd like to support us, donate or share our JustGiving link below. It all makes a difference! 🙏

https://www.justgiving.com/page/mpw-aberdeen-2

Tuesday vibe 🌅

Sunset on the Loch of Loirston . Aberdeen.

Have a great weekend Aberdeen ☀️☀️☀️

Just before sunrise.

Happy Friday Aberdeen 🌅🌅🌅

An early morning shot from last year.

Money conversations as a couple can be tricky – different attitudes to risk, different ideas about retirement, and life that doesn't always go to plan.

Our latest blog post looks at how financial planning works when you're doing it together – the questions worth asking, the moments that tend to prompt them, and what good advice looks like as a team.

Worth a read 👇

Planning through change: how financial advice supports couples For many people, Financial planning is shaped by a relationship, complicated by different attitudes to risk and spending, and deeply affected by the changes that life brings to a partnership.

Happy Wednesday 🌅

Thistle the national flower of Scotland.

A heads up if you use a Cash ISA...

A change worth knowing about: from April 2027, the Cash ISA allowance for under-65s will fall from £20,000 to £12,000. The overall ISA allowance stays at £20,000 – but the remaining £8,000 would need to go into a Stocks and Shares ISA to use it in full.

If you've always defaulted to cash, this is probably the nudge to have a proper look at your options. The 2026/27 tax year is the last one where the full £20,000 can go into cash — so there's no rush, but there is a deadline worth knowing about.

Happy to talk it through – just get in touch: [email protected]

Summer tends to be the time when financial decisions are put off. There’s always something else on – school holidays, a break, a busy spell at work.

It’s also actually one of the better times to take stock. Markets have moved, the political landscape has shifted, and the new tax year is already a quarter of the way through. If your plan hasn’t been reviewed since spring, now is a good moment to check in.

We're always happy to chat – get in touch at [email protected]

Tempted to pause your investments when the news feels unsettling? You're not alone, though it might not be the move you think it is.

We've written about why keeping going through uncertain periods is usually the smarter call, what pound cost averaging actually means in plain English, and what to do if cash is piling up in a savings account.

Have a read when you get a chance 👇

Why your regular investment habit matters most at times of uncertainty Watching the news lately – energy prices, inflation, political uncertainty at home and abroad – it would be understandable if you were feeling uneasy about your investments. And you're not alone. Markets are unsettled, and it's natural to wonder whether now is the right time to keep going, or wh...

Happy Sunday Aberdeen 🦢🦢🦢

Mute swan cygnets resting on the grassy bank.