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...
by Ashley Smith | Jan 6, 2026 | HW Insights
As we start a new year, we want to take a moment to express our heartfelt gratitude for your trust and partnership. Working with clients like you is the reason we do what we do, and your continued support means the world to us. We are also delighted to share some...
by Ashley Smith | Dec 15, 2025 | Investments
Have you heard the good news for savers? From 1st December 2025, the amount of money protected if a UK bank, building society or credit union fails will increase from £85,000 to £120,000 per person, per institution. This change, announced by the Bank of England’s...
by Tom Richards | Dec 1, 2025 | Protection
For business owners, protecting your company against unexpected events is crucial. One of the most effective ways to safeguard your business, fund share buyouts, or support a succession plan is through life assurance. But with multiple options available, it’s...
by Tom Richards | Nov 24, 2025 | Estate Planning
For business owners, estate planning is more than just preparing a will. It’s about ensuring that both personal and business assets are passed on according to your wishes, while maintaining the stability and continuity of your company. An up-to-date will combined with...
by Tom Richards | Nov 17, 2025 | Protection
Running a business with partners or shareholders can be highly rewarding, but it also comes with unique risks. Conflicts, unexpected exits, or ownership disputes can disrupt operations and threaten the stability of your company. Without a clear plan in place, years of...
by Tom Richards | Nov 10, 2025 | Protection
Business succession planning is a critical consideration for any business owner. Without a clear strategy, unexpected events such as the death of a shareholder or partner can lead to disputes, financial strain, and disruption to operations. Two key tools that can...
by Tom Richards | Nov 3, 2025 | Protection
Directors and key employees are essential to the success of any business. Protecting them against unforeseen events such as death or critical illness is not only prudent but can also safeguard the financial stability of the company. One of the most effective ways to...
by Tom Richards | Oct 27, 2025 | Uncategorised
As a business owner, your company is not just a source of income, it’s part of your legacy. Ensuring that both your business and personal assets are passed on according to your wishes requires careful and precise planning. Without a clear estate plan, family members...
by Tom Richards | Oct 20, 2025 | Insurance
Running a business is one of the most rewarding yet challenging journeys you can embark on. As a business owner, you invest time, money, and energy into growing your company. But what happens if unexpected events threaten its future? Without the right protection plan...
