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Capstone Financial

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Capstone Financial

Our purpose is to work together with you and your family, helping you to achieve your financial goals

02/09/2026

Peace of mind is priceless. Ongoing financial advice offers reassurance and guidance amid the noise of difficult decisions, so you can feel confident about the choices you make for your future.

Advice brings confidence and peace of mind: https://www.capstone-financial.co.uk/the-value-of-financial-advice/

Capstone Financial 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).

SJP Approved 16/04/2026

28/08/2026

💷 Earning over £100,000? Your income may come with some unexpected tax implications.

As your earnings increase, tax thresholds and “cliff edges” can have a significant impact on how much of your income you actually keep.

The good news? There may be opportunities to improve your tax efficiency and make more of your earnings work for you.

Join our 30-minute webinar for high earners, where Daniel Salisbury, Financial Planner, and Daniel Healey, Managing Director, will cover:

☑️ Key tax considerations for those earning over £100,000
☑️ How tax thresholds can affect your take-home income
☑️ Practical strategies to improve tax efficiency
☑️ Important planning opportunities to consider

Two sessions available:

📅 Wednesday 9 September | 12:30pm – 1:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_qjCMzqLrSjqBoA4M-z9qIQ

📅 Thursday 10 September | 9:30am – 10:00am
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_Qq8ciZE-S2WxtOOSdW3B4g

If you're earning £100k+, it's worth understanding how the tax system could be affecting you - and what you can do about it.

Tax treatment depends on individual circumstances and may change over time. The value of any tax benefits or reliefs will therefore vary from person to person and cannot be guaranteed.

Capstone Financial 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). Capstone Financial is the trading name of Capstone Financial Management Ltd.

27/08/2026

Financial resilience is about more than preparing for the expected. It's about having the confidence to navigate life's changes, opportunities and challenges as they arise.

Ongoing financial advice provides the support and guidance needed to help keep your plans on track, even when circumstances evolve.

With a clear strategy in place and expert guidance by your side, you can look to the future with greater confidence and peace of mind.

Discover the value of advice today: https://www.capstone-financial.co.uk/the-value-of-financial-advice/

Capstone Financial 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).

SJP Approved 10/08/2026

25/08/2026

What is a Unit Trust?

A Unit Trust is a portfolio of financial assets that are managed by a professional fund manager.

These assets could include stocks, property, and bonds. It is a medium to long term investment for growth and income.

Capstone Financial 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).

SJP Approved: 16/7/2026

20/08/2026

A strong financial plan does more than organise your finances. It provides clarity, direction and a framework for making informed decisions throughout life's journey.

With ongoing financial advice, your plan can adapt with your circumstances, helping you stay focused on your priorities.

The right guidance can help turn long-term ambitions into achievable goals, giving you greater control over your financial future.

Discover the value of advice today: https://www.capstone-financial.co.uk/the-value-of-financial-advice/

Capstone Financial 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).

SJP Approved 10/08/2026

19/08/2026

⚠️ Don't get caught in the £100k tax trap!

Earning over £100,000 is a big milestone — but it can come with a nasty surprise.
HMRC expects 7.7million people to pay higher-rate tax this tax year. With income tax thresholds frozen until 2031, more professionals are being pulled into higher tax bands.

If your income is between £100,000 and £125,000, you could face an effective tax rate of up to 60% on part of your earnings, as your Personal Allowance is gradually withdrawn.

So, what can you do about it?

Join Daniel Healey, Managing Director, and Daniel Salisbury, Financial Planner, for a 30-minute live webinar where they’ll explain how the £100k tax trap works and outline tax-efficient planning strategies that may be available to you.

📅 Wednesday 9 September | 12:30pm – 1:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_qjCMzqLrSjqBoA4M-z9qIQ

📅 Thursday 10 September | 9:30am – 10:00am
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_Qq8ciZE-S2WxtOOSdW3B4g

In these sessions, we'll cover:
☑️ Why the £100k–£125k band can create a 60% effective tax rate
☑️ How the personal allowance taper impacts your earnings
☑️ Tax-efficient planning strategies for higher earners
☑️ Practical examples and a live Q&A

If you're a high earner, this webinar could help you better understand your options and keep more of what you earn.

Tax treatment depends on individual circumstances and may change over time. The value of any tax benefits or reliefs will therefore vary from person to person and cannot be guaranteed.

Capstone Financial 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). Capstone Financial is the trading name of Capstone Financial Management Ltd.

SJP Approved 13/08/2026

18/08/2026

What happens if you die without a Will in the UK?

If you die without a Will, the rules of intestacy determine who inherits your estate. For unmarried couples, stepfamilies and cohabiting partners, the outcome may not be what you expected.

This article explains the risks of dying without a Will: https://www.capstone-financial.co.uk/where-theres-a-will-theres-a-say/

Will writing involves the referral to a service which is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.

Capstone Financial 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).

SJP Approved 17/08/2026

14/08/2026

💡 National Financial Awareness Day

How confident do you feel about your finances?

Financial awareness isn't just about knowing what you earn or how much you have saved. It's about understanding where you are today, where you want to be, and the steps you need to take to get there.

That could mean:
📊 Understanding your pension and what you’ll need for retirement
💷 Checking whether your savings and investments are working as hard as they could
🏡 Having a clear plan for major financial goals
🛡️ Ensuring you and your family are protected if the unexpected happens
📈 Understanding how tax and investment decisions could affect your long-term plans
🧭 Having a financial plan that gives you greater confidence in every decision you make

As your circumstances change, your finances can become more complex. You don’t need to be a financial expert – but you do need to understand your options.

National Financial Awareness Day is a good reminder to take a step back and ask:

👉 Do I truly understand where I stand financially, and am I on track for where I want to be?

If you're not sure, perhaps it’s time to take a closer look.

Capstone Financial 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). Capstone Financial is a trading name of Capstone Management Ltd.

SJP Approved 12/08/2026

12/08/2026

When it comes to planning for the future, knowing where to begin can feel overwhelming.

Working with the right financial adviser can provide clarity, direction and confidence, helping you turn your aspirations into an actionable plan.

Ongoing advice helps keep you focused on what matters most, whilst ensuring your finances continue to support your goals as life evolves.

Discover the value of advice today: https://www.capstone-financial.co.uk/the-value-of-financial-advice/

Capstone Financial 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).

SJP Approved 10/08/2026

11/08/2026

What is an Index?

An index is a tool that helps investors understand how a particular part of the market is performing without having to analyse individual assets.

For example, the S&P 500 Index summarises the performance of the 500 largest companies listed in the US, giving a overall reflection of US stocks.

Capstone Financial 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).

SJP Approved: 16/7/2026

Address

Manchester

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441616671482

Website

https://www.capstone-financial.co.uk/

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