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Monday 8:45am - 5pm Tuesday 8:45am - 5pm Wednesday 8:45am - 5pm Thursday 8:45am - 5pm Friday 8:45am - 5pm

HW Independent Financial Management

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HW Independent Financial Management

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Offering independent, unbiased advice on Pensions, Savings & Investments and Inheritance tax and more

At HWIFM we have over 20 years’ experience in Financial Services. Based in Nantwich and Northwich our team has a wealth of knowledge and expertise to help business owners and families secure the lifestyle they want. Helping our clients map out their short, medium and long-term goals enables them to see the bigger picture. We will make your money work harder and provide you with financial freedom without the fuss.

29/10/2026

Nothing beats hearing that our advice has helped someone head towards retirement feeling well informed, supported, and confident.

We were thrilled to get a thoughtful review from Anthony, who recently worked with Penny and the wider HWIFM team.

Over the last 12 months, Anthony has received expert financial advice and guidance to help him navigate the many complex decisions that come with pensions, investments, and long-term planning.

He shared how Penny supported him through the challenges of planning for retirement and helped him develop a financial strategy he felt confident moving forward with.

We are so grateful for his kind words and proud of the work Penny and the whole team do to make financial planning feel accessible and reassuring.

Thanks Anthony, we really appreciate your feedback.

If you want to share your positive experience with our team, leaving a review helps others feel confident they are choosing the right financial support.

22/10/2026

Have you ever noticed how a conversation can seem entirely different depending on where you are?

We’re in the midst of our upstairs office renovations, and we’re so excited about how it's turning out. The new space is already coming together, allowing us to expand but still keeping the same friendly, personal feel that is so important to us.

It's business as usual downstairs. Clients can come in, sit down with their adviser, and talk through what matters most without disruption.

And when the upstairs work is done, we will have two more dedicated meeting spaces, designed for comfort, privacy and clarity.

Good financial advice isn't just about the numbers. It's about the space to think, ask questions, and be heard.

We’ll have more to share as the renovations continue and look forward to welcoming you into the finished space soon.

Considering a review of your financial plans? We’re here for you, renovations or otherwise, whenever you’re ready to chat.

17/10/2026

Fun fact: The first spreadsheet program, VisiCalc, was released on October 17, 1979, and within a year people were already arguing about whose formula had broken the software!

It’s World Spreadsheet Day today.

A celebration of the humble grid that keeps the world going!

For almost 5 decades, spreadsheets have been the unsung heroes of organisations and households worldwide.

In fact, VisiCalc's first spreadsheet was so revolutionary that people bought Apple computers just to run it. That's a true testament to how amazing the humble spreadsheet is: people invested hundreds just to load it.

Since those early days, spreadsheets have evolved into the multi-tasking miracle makers we know and love today. Conditional formatting, pivot tables, filters and formulas all work wonders to make sense of the numbers.

So today, take a moment to thank the tool that has single-handedly saved many meetings, colour-coded the impossible and helped create the pie chart you never knew you needed.

If you want to use spreadsheets to get more clarity on your financial plans, our team can help you turn rows and columns into confidence!

08/10/2026

Have you considered how forthcoming changes to inheritance tax might affect your estate's value and IHT liability?

With changes to Inheritance Tax coming into effect in April 2027, many families may be looking at a very different picture for their estate and potential tax liability.

Your IHT calculation currently depends on the value of your home and other assets, less the relevant allowances. But under the new rules, you will also have to include any unused pension pots and pension death benefits, which could push more people over the threshold than ever before.

If you want to review your estate and see the impact these changes could have on you, talk to an independent financial adviser – our team is here to help. https://www.hwifm.co.uk/inheritance-tax-planning/

16/09/2026

100 days. One goal. What could you achieve by Christmas?

Whether you’re saving for a house deposit, a new car, your child’s wedding or simply a Christmas to remember, having a clear plan can make all the difference.

100 days gives you a valuable opportunity to take a step towards your financial goals.

The key is to know what you’re saving for, understand how much you need and create a plan that works for you.

So, why not use the countdown to Christmas as a reason to review your savings and think about what you want to achieve?

Not sure where to begin, or wondering whether your current savings are working as hard as they could?

Get in touch. We’d be happy to have a conversation and help you explore your options.

10/09/2026

Your pension has a beneficiary. Have you chosen who it is?

It’s not something many of us think about. We spend years building up our pension, focusing on retirement and the future we hope to enjoy.

But there’s another question worth asking: what happens to your pension if you die?

Coming up on the 15th of September is Pension Awareness Day, and it’s a good opportunity to check whether you’ve nominated your spouse or partner as a beneficiary of your pension.

You have a say in what happens to your money if the worst happens. But if you haven’t made your wishes known, the money left in your pension pot may not end up where you intended.

If you have recently had a change of circumstances, it might be a good time to check and update the information.

Taking a few minutes to check your beneficiary nomination could make a real difference in the future.

Not sure whether you’ve nominated someone, or how to do it?

Get in touch. We’re happy to talk it through.

03/09/2026

What do you think of our new office space?

Back in July, the HWIFM team moved into our new office space, and we already feel very much at home.

The bigger space has given us room to grow, while keeping the same friendly, personal feel that’s important to us. And there’s more to come.

Renovations are continuing throughout September, with the upstairs office being transformed into additional meeting space.

For our clients, that means more room to sit down, have a proper conversation and talk through the things that matter, without feeling rushed or squeezed around a desk.

Because good financial advice starts with listening, and sometimes, having the space to take your time makes all the difference.

If you’ve been meaning to have a conversation about your financial plans, our friendly, experienced and professional team is here to help.
https://www.hwifm.co.uk/about-us/

25/08/2026

There’s been a lot of talk recently about tax on interest earned from cash held in Stocks & Shares ISAs, but in truth, it’s a non‑story.

Most people don’t hold cash in a Stocks & Shares ISA. These accounts are designed for investing, not saving, and that’s where their real value lies.

In countries like Australia, where investing is actively encouraged, pensioners are among the wealthiest in the world. It’s a reminder that confidence in investing can make a lasting difference.

If you’re curious about how Stocks & Shares ISAs work, or wondering whether investing could suit your goals, our advisers can help you explore the options.

It’s not something to be afraid of, and in many cases, the returns can be stronger than those from a Cash ISA.

18/08/2026

There’s a unique buzz to the Nantwich Show, with local businesses, families, farmers, and friendly faces all creating a day that feels unmistakably Cheshire.

We spent 29th July right in the middle of it, speaking with people about the things that matter most to them.

Pensions, ISAs, inheritance planning, all big topics, but approached in the way they should be: through open, honest conversations with people who want to feel confident about their future.

Thank you to everyone who stopped by for a chat and took part in our hamper raffle. We’ll be in touch with the winner very soon.

Events like Nantwich remind us that financial advice works best when it starts with listening, and we’re grateful for every conversation we had.

Address

1 Allum Brook Barns, London Road
Holmes Chapel
CW48AX

Opening Hours

Monday	8:45am - 5pm
Tuesday	8:45am - 5pm
Wednesday	8:45am - 5pm
Thursday	8:45am - 5pm
Friday	8:45am - 5pm

Telephone

+441606338914

Website

http://www.hwifm.co.uk/

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