Capstone Financial

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

⚠️ Earning over £100k? You may be falling into a hidden tax trap.If your income sits between £100,000 and £125,000, you ...
29/05/2026

⚠️ Earning over £100k? You may be falling into a hidden tax trap.

If your income sits between £100,000 and £125,000, you could be paying an effective tax rate of up to 60%, often without realising it.

Join both of our upcoming 30-minute webinars, where Daniel Healey, Managing Director, and Dan Salisbury, Financial Planner, will explain how this happens and what steps you can take to manage it.

📅 Wednesday 17th June | 12:30pm – 1:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_EQ6dExfrS6Sm_-j0OcDHxg

📅 Thursday 18th June | 6:30pm – 7:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_QSTBtoaMRJiEyKJcfF4fDA

In these sessions, we’ll cover:
✅ Why this income band creates a sharp increase in tax
✅ How the personal allowance taper impacts your earnings
✅ Tax-efficient planning strategies for higher earners
✅ Practical examples and a live Q&A

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.

Having a financial plan can make a meaningful difference to how people feel about their finances.Recent research shows t...
27/05/2026

Having a financial plan can make a meaningful difference to how people feel about their finances.

Recent research shows that those with a plan are more than three times as likely to say their financial situation has improved over the past year and far less likely to say it has worsened.

A good plan isn’t about removing uncertainty altogether. It’s about providing clarity, direction and confidence, whatever the future brings. Read more: https://www.sjp.co.uk/individuals/how-can-we-help/tools-information/financial-health-report

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 13/05/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates fo...
26/05/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates for inheritance tax purposes.

Combined with a long-term freeze in IHT thresholds, it is not surprising many people are turning to trusts as a way to manage their tax liabilities.

👉Learn more here: https://www.capstone-financial.co.uk/how-trusts-can-help-reduce-inheritance-tax/

Taxation rules can change at any time and are dependent on individual circumstances.

Trusts 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 17/4/2026

Rising costs and continued uncertainty are putting pressure on household finances. 🌧️But research from the 2026 Financia...
21/05/2026

Rising costs and continued uncertainty are putting pressure on household finances. 🌧️

But research from the 2026 Financial Health Report shows that people who actively plan and invest for the long term tend to feel more resilient and confident about their money.

Explore the key findings from the latest Financial Health Report: https://www.capstone-financial.co.uk/financial-health-report-financial-resilience-falls-but-a-plan-can-boost-confidence/

On behalf of SJP, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

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 14/5/2026

Frozen income tax thresholds are dragging people into higher bands, a trend compounded by years of high inflation.In thi...
20/05/2026

Frozen income tax thresholds are dragging people into higher bands, a trend compounded by years of high inflation.

In this environment, tax efficiency matters more than ever. Making full use of available allowances and structuring assets thoughtfully can make a meaningful difference over time.

As we’re now in the 2026/27 tax year, we’re looking at practical tax planning opportunities for people at different life stages – from those starting their careers to those in retirement.

🔗 https://www.capstone-financial.co.uk/new-tax-year-maximising-opportunities-at-every-life-stage/

Capstone Financial Management 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 1/5/2026

⏰ Don’t get caught out!If you’re earning over £100k, you could be caught in a hidden tax trap, with an effective rate of...
19/05/2026

⏰ Don’t get caught out!

If you’re earning over £100k, you could be caught in a hidden tax trap, with an effective rate of up to 60% between £100k and £125k.

Join our upcoming 30-minute webinar where Daniel Healey and Dan Salisbury will explain what’s happening and how to plan around it.

📅 Wednesday 17th June | 12:30pm – 1:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_EQ6dExfrS6Sm_-j0OcDHxg

📅 Thursday 18th June | 6:30pm – 7:00pm
🔗 Register here: https://us06web.zoom.us/webinar/register/WN_QSTBtoaMRJiEyKJcfF4fDA

We’ll cover:
✅ The 60% tax trap explained
✅ How the personal allowance taper works
✅ Planning opportunities for higher earners
✅ Live Q&A

If you’re approaching or already over £100k, this session will help you better understand your options.

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.

This week is Mental Health Awareness Week, and this year’s theme is Action.Financial worries are one of the leading caus...
13/05/2026

This week is Mental Health Awareness Week, and this year’s theme is Action.

Financial worries are one of the leading causes of stress and can have a significant impact on mental wellbeing when left unchecked.

While financial planning can’t solve every problem, having clarity, understanding your options, and taking proactive steps can help ease uncertainty and create a greater sense of control.

At Capstone, we regularly speak with individuals and business owners facing financial pressure, and one thing we consistently hear is how valuable open conversations and trusted advice can be during difficult periods.

If financial worries are affecting your mental health, remember that support is available – and you don’t have to face it alone.

Helpful resources:
• Mental Health & Money Advice (https://mentalhealthandmoneyadvice.org/)
• Mental Health Foundation (https://www.mentalhealth.org.uk/)

A big thank you to everyone who joined this week’s NHS Pensions webinars for Medical Professionals.It was great to conne...
08/05/2026

A big thank you to everyone who joined this week’s NHS Pensions webinars for Medical Professionals.

It was great to connect with so many of you and share practical guidance on navigating Contingent Decisions and Back Pay within an increasingly complex NHS pension landscape.

Here’s a quick snapshot of what we covered:
💡 What contingent decisions mean following the McCloud ruling – and who’s affected
💡 Time limited opportunities to revisit opt out decisions and buy back service
💡 Why NHS pension quotes can be misleading without wider tax and financial planning
💡 Common back pay issues and how they can trigger unexpected tax liabilities
💡 Real examples of avoiding costly surprises, including reducing a £62,000 tax bill to £0

Thank you to our expert medical advisers Rob Beck and Aimee Jeavons for leading such an insightful and engaging session.

We hope attendees left with greater clarity and confidence to make informed decisions about their pensions and wider financial planning.

If you’d like a copy of the recording, please comment below and we’ll send it over.

New legislation has changed how private landlords operate in England.The Renters’ Rights Act affects evictions, rent inc...
07/05/2026

New legislation has changed how private landlords operate in England.

The Renters’ Rights Act affects evictions, rent increases and tenancy structures, and includes new requirements for sharing information with tenants.

Learn what’s expected under the new rules: https://www.capstone-financial.co.uk/renters-rights-act-what-landlords-need-to-know/

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 6/5/2026

Last Friday, the Capstone team came together to celebrate the close of a busy tax-year end.After a particularly demandin...
01/05/2026

Last Friday, the Capstone team came together to celebrate the close of a busy tax-year end.

After a particularly demanding period, with everyone going above and beyond, it was the perfect opportunity to recognise our collective efforts and enjoy some time together as a team.

We kicked things off with a company presentation – reflecting on key achievements since the start of the year and sharing an exciting look ahead at what’s to come.

From there, we headed to Immersive Gamebox, where the team took on a series of fast-paced, interactive challenges. Swipe through for some of the highlights!

A huge thank you to our fantastic team for making the day such a success. Here’s to our next social together. 👏🎉

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

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