James Lindley

Managing Director at Castell Wealth Management
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James is a noted financial expert and a go-to resource for national media outlets and platforms including the FT Adviser, Money Marketing, World Finance and many more.

James Lindley is the founder and CEO of Castell Wealth Management, a London based financial advice firm whose mission is to teach individuals and companies the art of managing their finances in a thoughtful, proactive and tax-efficient way. As a company they specialise in responsible, sustainable finance and ESG investing. James is a qualified financial planner, a member of the Chartered Insurance Institute, The Chartered Institute of Securities and Investments and the Investment Association. He is a pension transfer specialist and was a Times Top 100 Financial Adviser in the UK in 2019, as well as an entrepreneur, public speaker and company consultant.

The key to our success can be attributed to our simple yet highly effective method of approaching finance – in a fun, personalised, relatable, and non-judgmental way. Since 2014, Castell Wealth Management has offered services from financial planning, cash flow and tax modelling and financial wellbeing workshops for individuals, corporate clients and charities.

James provides a bespoke and personalised client service, state-of-the-art financial technology, and consistently deliver peace of mind to clients. His unequalled level of service gives our clients confidence that their financial affairs are handled with the highest level of competency. The team are highly experienced, promoting forward thinking, creativity and open communication both internally and externally. The office, here in the heart of the City of London, exhibits an atmosphere of enthusiasm and optimism, substantiating our position as an integral part of a premier financial services firm. By achieving our mission to financially educate, provide financial security, and better the lives of our clients, we have earned the respect and admiration of the financial community and those that we work with.

Away from work, you can find James cycling, traveling, exploring, and more recently trying his hand at golf and sailing!

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  • James Lindley, director of Castell Wealth Management, commented that one of the major advantages of furnished holiday lets (FHL) compared to a standard buy-to-let property is that owners will often avoid many of the punitive measures imposed by the government. He said: “Because they are classed as a business rather than investment, owners are still entitled to many of the tax advantages buy-to-let landlords no longer qualify for. Holiday lets are subject to business rates rather than council tax. There’s also the possibility of claiming 100% relief on business rates if the property has a rateable value of less than £12,000. At present, 96% of homes qualify for this.

    “Currently, holiday lets are considered to be ‘business properties’, and therefore, for the purpose of Inheritance Tax, they are exempt. It should be noted however that HMRC are currently challenging this point, so there may be an alteration to this in future. Owners will be able to offset some of the equipment and furnishing costs against the rental income and can also deduct expenses such as council tax, utilities, maintenance, cleaning, property management costs and advertising.

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