by Ashley Smith | Feb 5, 2026 | HW Insights, Protection
You’ve worked hard and managed to build a comfortable nest egg. Unfortunately, that success can attract the wrong kind of attention: scammers and fraudsters. In the UK, fraudulent schemes have become increasingly sophisticated, and retirees or those with substantial...
by Ashley Smith | Jan 29, 2026 | HW Insights, Retirement
After decades of saving diligently, retirement flips the script, it’s time to spend what you’ve accumulated. You’d think that would be easy and fun (and it certainly can be), but many retirees find the transition tricky. The psychology of spending in retirement is...
by Ashley Smith | Jan 27, 2026 | Estate Planning
Nobody likes to think too much about what happens after they’re gone. But here’s a thought: “When I pass away, do I want a big chunk of my life’s savings to go to the taxman, or to my loved ones and causes I care about?” For most of us, the answer is easy, we want our...
by Ashley Smith | Jan 22, 2026 | HW Insights, Retirement
You’ve likely noticed prices going up over the years, that favourite café coffee or the weekly shop isn’t as cheap as it used to be. That gradual rise in the cost of living, known as inflation, can quietly erode the buying power of your money. In retirement planning,...
by Ashley Smith | Jan 16, 2026 | Financial Planning
When it comes to investing, we all like to think we’re making decisions based on logic and sound reasoning. But the truth is, our brains don’t always work that way. Emotions, instincts and mental shortcuts, known as behavioural biases, can quietly influence our...
