McHardy Private Wealth

10/10/2026

Good morning Aberdeen 🌅🌅💃🏼🕺

Aberdeen beach Ballroom illuminated by this mornings sunrise.

08/10/2026

Aberdeen 🌅🌅🌅

Good morning from Aberdeen Beach.

02/10/2026

When markets feel unsettled, the instinct to pause is understandable. But in our experience, the clients who fare best through uncertain periods aren't the ones who time their decisions perfectly; they're the ones who keep going.

Our blog on regular investing looks at why consistency tends to outperform reaction, what pound cost averaging actually means in practice, and what to consider if cash is building up on the sidelines.

A useful read if recent market noise has prompted any questions about your own plan.

https://www.mchardyprivatewealth.co.uk/insights/why-your-regular-investment-habit-matters-most-at-times-of-uncertainty

02/10/2026

Happy Friday Aberdeen 🌅🏰🌅

Sun setting on the Castle.

25/09/2026

Happy Friday Aberdeen 🌊🌊🌊

Sea foam at sunrise.

25/09/2026

One of the questions we hear most often from clients approaching retirement has nothing to do with investment performance or tax efficiency. It's this: how do I actually start spending what I've saved?

It sounds simple. In practice, after decades of careful saving, switching that mindset off can be surprisingly difficult – and it's something our advisers encounter regularly.

In our latest blog, Mark Thornton-Smith and Andrew Houston share the conversations they've been having with clients this summer… on income sequencing, the anxiety around making gifts to loved ones, and why good planning is about more than just the numbers.

Worth a read if retirement is on the horizon, or already here.

In our experience, one of the most common challenges clients face in retirement has nothing to do with the size of their pot, but adjusting to the idea of spending it.

18/09/2026

Chartered financial planner, STEP qualified, and genuinely interested in getting the details right.

For those of you who don't know him, we'd like to introduce Mark Thornton-Smith, Chartered Financial Planning Director at McHardy Private Wealth.

Mark is an Economics graduate and Fellow of the Personal Finance Society, with over 13 years of experience helping clients navigate some of the most significant financial decisions of their lives. He also holds the STEP Certificate for Financial Services – a specialist qualification in trust and estate planning that puts him in a small minority of advisers nationally.

His focus is on the moments that matter most: retirement, inheritance, business succession, and the complex interplay between personal and financial goals.

Outside work, Mark runs with Edinburgh Athletic Club, makes regular trips to see Newcastle United, and can usually be found in pursuit of good food and music.

We're glad to have him on the team!

18/09/2026

Happy Friday and Good morning Aberdeen 🌅🙌🌅

Morning view at Aberdeen Beach.

15/09/2026

Good morning Aberdeen 🌅🌅🌅

Sunrise Aberdeen Beach.
Thanks to everyone for your well wishes very much appreciated 🥰

11/09/2026

What a day! Yesterday, the McHardy Aberdeen team set out to walk or run 10km along the Deeside Railway Line - and ended up doing a brilliant 12km.

We've already reached 84% of our fundraising target for Aberdeen Mountain Rescue Team, and we're not done yet. If you'd like to help us reach that finish line too, the JustGiving page is still open - every contribution is hugely appreciated.

Thank you to everyone who has donated or shared the link so far. It means a lot - and well done to the team!

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