Martha MartindaleDipPFS

Martha’s primary goal is to collaborate with you to enhance your journey towards Financial Wellbeing. She aims to create a customised and strategic financial plan that aligns with your unique circumstances, goals, dreams, and aspirations. Additionally, Martha serves on the committee of the St James’s Place Foundation, a charitable organisation dedicated to positively impacting the lives of children and young people.

Areas of Expertise:

• Long-term Care Planning – effectively plan your financial wellbeing to have peace of mind should you need long-term care in the future. Martha is an Associate Member of the Society of Later Life Advisers (SOLLA) and is currently working towards achieving her SOLLA Accreditation. As a member of the Edinburgh Care Forum, Martha is part of a collective of professional specialists in long-term care. She collaborates closely with families and their solicitors to provide support for loved ones who may need long-term care.
• Inheritance Tax (IHT)/Trust & Estate Planning – explore ways to reduce IHT, ranging from regular gifting and using transparent Trusts to more specialised financial products.
• Retirement Planning– aim to achieve the standard of living you want in retirement and know that you can enter retirement without any financial concerns. Martha will advise you on how much it will cost to provide the income you need (taking into account all your other assets) whilst also reviewing your existing plans monitoring if they are on track.
• Savings & Investments – Martha can help make your capital work hard irrespective of the financial climate whilst endeavouring to always, where possible, save tax.
• Protection– Martha also offers advice on a range of Protection – such as income protection, life and critical illness cover. In order to gain Financial Wellbeing in the truest sense, peace of mind that your loved ones and family home are protected during difficult times is absolutely key.
• Mortgages– Martha offers an in-depth tailored mortgage advice service, her advice can range from you buying your first property, helping your children onto the property ladder, becoming a landlord, reviewing your existing Buy-to-Let portfolio or your main residence borrowing to help you secure the lowest interest payments for your mortgage borrowing.

 

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Some buy to let mortgages and Trusts are not regulated by the Financial Conduct Authority.