McHardy Private Wealth - Scottish Borders

15/07/2026

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 👇

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...

26/05/2026

This morning, our Galashiels office at McHardy Private Wealth hosted its first client event at Brew in St Boswells — and we’re delighted to say it was a great success.
We were pleased to welcome Peter Duncan, Founding Director of Message Matters, who delivered a highly engaging presentation on the current political landscape following the recent election. His insight and experience within communications, government relations and public affairs sparked some excellent discussion amongst clients and guests.
We were also joined by Marshall Docherty and Elliot Dixon from Quilter Cheviot, alongside our directors/financial planners Stuart Johnson and Richard Fletcher, giving clients the opportunity to connect with the wider team supporting their financial planning and investment journey.
A huge thank you to Brew in St Boswells for hosting us and for the fantastic coffee, cakes and hospitality throughout the morning. With the lovely weather we’ve been enjoying, it was especially nice to see clients able to sit outside, relax and enjoy the atmosphere after the presentation.
Most importantly, it was wonderful to bring clients together in such a relaxed setting, catch up face-to-face and hear such positive feedback from everyone who attended.
We’re already looking forward to hosting more events like this in the future.

25/05/2026

Unsettled by what's happening in the markets? You're not alone.

The most important thing in uncertain times is usually to stay the course - and to talk things through with someone who understands your situation.

We're always happy to chat.

👉[email protected]

19/05/2026

New tax year, new page. 🗓️

Our latest blog looks at what good financial planning actually looks like at the start of April - and why the most experienced planners treat this moment as an opportunity, not just an admin task.

Worth a read if you've been meaning to review things.

Read it here:

https://www.mchardyprivatewealth.co.uk/insights/april-financial-planning

14/05/2026

As of April 6th, 2026, Making Tax Digital for Income Tax came into force – and if you're self-employed or earn income from property above £50,000 gross, it applies to you.

Instead of a single annual tax return, you'll submit quarterly digital updates to HMRC, with thresholds dropping further in 2027 and 2028.

For most people, the compliance piece is straightforward with the right software. The more interesting question is what quarterly reporting means for how you plan; when tax becomes a year-round conversation, so does everything connected to it: how you take income, how you invest, what you hold and when.

If you'd like to think through what MTD means for your wider financial plan, we're happy to talk: [email protected]

23/04/2026

Many people delay speaking to a financial planner because they feel they need to have everything “figured out” first.

In reality, the most valuable conversations often happen when things are uncertain – when you’re approaching retirement, selling a business, or simply wondering if you’re on the right track.

Good advice brings clarity. It helps you understand your options, avoid costly mistakes, and move forward with confidence.

If you’ve been meaning to review your finances, now is a good time to start the conversation.

15/04/2026

Financial planning is personal.

With offices in Aberdeen, Edinburgh and Galashiels, we’re proud to support clients across Scotland – helping them navigate important decisions at every stage of life.

Whether planning for retirement, supporting family, or adapting to change, our role is to provide clarity, reassurance and trusted guidance.

Get in touch to speak to an adviser based near you: https://lnkd.in/eYbqZMW4

30/03/2026

A new tax year brings new opportunities – plus the chance to plan ahead.

Fresh ISA and pension allowances are now available, and early planning gives your money more time to work effectively.

Financial planning isn’t about reacting at the last minute. It’s about making calm, deliberate decisions that support your future.

If you’d like to start the new tax year with clarity and confidence, we’re always happy to have a conversation.

Get in touch: [email protected]