Martyn Sales Financial Planning

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Martyn Sales Financial Planning Simple, high quality, friendly financial advice for individuals and families

22/10/2026

From April 2027, changes to the inheritance tax could have important implications for business owners.

Understanding how your pension, business, and estate plans fit together could become increasingly important in light of these changes.

https://ow.ly/FLMg50ZZBMX

St. James's Place Representatives represent only St. James's Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority,

SJP Approved 21/10/2026

The last two weeks have been a pretty powerful reminder that life doesn’t wait for us to be ready.It’s been hectic.There...
01/10/2026

The last two weeks have been a pretty powerful reminder that life doesn’t wait for us to be ready.

It’s been hectic.

There have been some wonderful moments — births, marriages, new homes, new jobs and exciting plans for the future.

And there have also been some difficult ones.

Clients facing serious illness.
Clients we’ve sadly lost.
Retirement decisions that suddenly feel much more important.

It’s reminded me why I believe financial planning is about far more than money.

Because when life changes, your financial plan often needs to change with it.

A new baby.
A new home.
A career change.
Retirement.
Illness.
Loss.

The numbers matter — but what really matters is what those numbers allow you and your family to do.

We only get one life. There is no rehearsal.

Good financial planning can’t prevent the difficult things from happening.

But it can help you prepare for them.

And, perhaps most importantly, it can give you the confidence to enjoy more of today without constantly worrying about tomorrow.

That’s what financial peace of mind means to me.

Have a great weekend everyone.

📍Portugal ⛳️
A timely reminder to make the most of the moments that matter.

30/09/2026

You don’t discover the value of a great financial planner when everything is going right.

You discover it when life suddenly changes.

At the beginning of a relationship, there’s always an element of taking a leap of faith.

You don’t know each other yet.

You don’t know how valuable the relationship will become.

But over time, trust builds.

You understand each other.

And eventually, your financial planner becomes someone you can turn to when the big stuff happens.

A business sale.

An inheritance.

Retirement.

A bereavement.

A health scare.

A major family decision.

Or simply that moment when you ask:

“Are we going to be okay?”

Some of my most affluent clients have said something that has really stuck with me:

“I wish I’d started working with someone sooner.”

And I think that says a lot.

Because the value of advice isn’t always about investment returns or tax savings.

Sometimes it’s the confidence of knowing someone who understands you is in your corner.

Someone who can help you make sense of the situation, challenge your thinking and help you make the right decisions when they matter most.

That relationship takes time to build.

But once it’s there, you realise it’s about far more than money.

When did you first realise the true value of having a financial planner in your corner?

Spend ISA assets first, preserve pension wealth for future generations. Does this strategy sound familiar?  With major p...
09/09/2026

Spend ISA assets first, preserve pension wealth for future generations. Does this strategy sound familiar?

With major pension and inheritance tax changes due to come into force in April 2027, that approach may need revisiting.

It’s time to ask:

Should my pension assets be used earlier in retirement?

Has the traditional withdrawal hierarchy changed?

Is tax efficiency still the main priority or does flexibility matter more?

Good planning is rarely one-size-fits-all. If you’d like to review your retirement and estate planning, please get in contact.

Martyn Sales Financial Planning is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.

Delighted to be featured in today Telegraph as a Top Rated Advisor for 2026.I’ve seen myself in recent years the transfo...
24/06/2026

Delighted to be featured in today Telegraph as a Top Rated Advisor for 2026.

I’ve seen myself in recent years the transformative impact high quality advice can have for individuals and families who seek advice.

To all those clients who have placed their trust in us and have shared your postive experience via valuable feedback - thank you. It is a pleasure to be working with you.

03/05/2026

‘Is it still worth paying into a pension?’

Yes.

But not just because “it’s the done thing.”

In the UK, most modern retirement plans rely on building a significant pot of money — not just a guaranteed income stream.

Even if you’ll have:
• State Pension (currently up to ~£12,500 per year)
• Rental income
• Other investments

…for most people, that still won’t fully cover their lifestyle.

So where does the rest come from?

👉 A capital pot.

Let’s put that into perspective:

If you need £40,000 a year in retirement, and your State Pension covers ~£12,500…

You’re left needing ~£27,500 per year.

To sustainably generate that level of income over the long term, you’re likely looking at a pot somewhere in the region of:

💰 £650,000–£750,000+

(And potentially more depending on how long retirement lasts, investment returns, and inflation.)

And that’s exactly why pensions matter.

Because when it comes to building that pot, nothing else gives you the same boost:
• 20%, 40%, or 45% tax relief on contributions
• Tax-efficient growth
• Potential employer contributions

For example:

A higher-rate taxpayer contributing £10,000 only “feels” like £6,000 out of pocket.

That’s an instant 66% uplift before any growth.

So yes — pensions are still one of the most powerful tools available.

Not because they’re exciting.

But because they make a very big number… much easier to reach.

Delighted to be named in The Times today having being named as VouchedFor Top Rated Advisor for 2026.Thanks to all clien...
21/03/2026

Delighted to be named in The Times today having being named as VouchedFor Top Rated Advisor for 2026.

Thanks to all clients for your valuable feedback. We’ll always be looking for ways to improve so this is vital to us.

Tax changes are on the horizon following the Autumn Budget and a few smart moves now could make a real difference later....
22/01/2026

Tax changes are on the horizon following the Autumn Budget and a few smart moves now could make a real difference later.

An SJP adviser can help you make sense of what’s changing and keep your finances working as efficiently as possible.

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 19/1/2026

22/01/2026

Most people think a financial adviser just picks investments.

That’s like thinking a GP only prescribes tablets.

📊 The reality?
• Vanguard research shows a good financial plan can add around 3% a year in net returns — and most of that has nothing to do with fund selection.
• People with a financial plan are 2x more likely to feel financially confident about the future (Royal London).
• 7 in 10 UK adults say money worries affect their sleep, relationships, or mental health.

So what actually creates the value?

A proper financial planning relationship covers:
– Cashflow & lifestyle planning (can you live the life you want and sleep at night?)
– Tax planning (keeping more of what you earn)
– Protection for family & business
– Retirement clarity (not guesswork)
– Estate & inheritance planning
– Behavioural coaching during uncertainty and market volatility

📉 When markets fall, the biggest risk isn’t performance.
It’s panic, poor decisions, and no plan to fall back on.

📈 When life goes well, the biggest risk isn’t missing returns.
It’s drifting without direction.

The real return of financial planning isn’t just money.
It’s confidence.
Clarity.
Control.
And knowing that whatever life throws at you — there’s a plan.

That peace of mind?

For most clients I meet with, that’s priceless.

Our Real Life Advice report shows that while AI and digital tools can make financial advice more accessible, most people...
18/01/2026

Our Real Life Advice report shows that while AI and digital tools can make financial advice more accessible, most people still want to rely on a human when it really matters: https://lnkd.in/eRsamyuB

St. James’s Place Representatives represent only St. James’s Place Wealth Management
plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 13/1/2026

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