by Tom Richards | Jun 12, 2024 | HW Insights, Pensions
A pension annuity is a financial product you can purchase with your retirement savings to convert them into a guaranteed income stream for life. Although there are other ways you can access your pension pot, an annuity offers the security of knowing exactly how much...
by Tom Richards | Jun 3, 2024 | HW Insights
In today’s article, I’m going to explain why it’s so important to leave instructions as to what you would like to happen with your estate. Many of us don’t like to think about what will happen after we’re gone, and that’s perfectly understandable....
by Tom Richards | May 20, 2024 | HW Insights
In the complex and often overwhelming world of financial planning, it’s crucial to have a trusted and highly qualified professional by your side. One such professional is a Chartered Financial Adviser (CFA). But what exactly does it mean to be a Chartered...
by Tom Richards | Feb 4, 2024 | HW Insights, Investments, Pensions, Retirement
When you create a financial strategy, you often have medium- to long-term goals in mind. However, life is dynamic, and circumstances can change significantly over time. You may experience positive changes, such as landing a higher-paying job, upgrading to a more...
by Tom Richards | Jan 26, 2024 | HW Insights, Investments
Investing your hard-earned money is a journey filled with both opportunities and risks. Perhaps the only certainty in the world of investments is that their value will fluctuate, and sometimes unpredictably so. To navigate these turbulent waters successfully, careful...
by Tom Richards | Jan 19, 2024 | HW Insights, Investments
Investing is a smart and effective way to maximize your income and ensure that your money is working hard for you. However, despite its potential benefits, many individuals remain hesitant to start investing. A recent study by Lloyds Bank identified several reasons...
