Capstone Financial

📢 Last chance to register

Earn over £100k? You could be paying more tax than you need to.

Join our upcoming webinar to understand the 60% tax trap and how to reduce its impact:

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

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

30 minutes. Practical insights. Real impact.

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 01/06/2026

A snapshot from today’s adviser meeting in Manchester.

Our advisers regularly come together for dedicated sessions focused on collaboration, learning, and continuous improvement. These meetings provide a valuable opportunity to share insights, refine our processes, and reflect on the positive outcomes we’ve achieved for clients.

With our clients at the heart of everything we do, it’s inspiring to see the commitment, professionalism, and enthusiasm our team brings to their ongoing development. By investing in our people and sharing best practice, we continue to strengthen the service and support we provide to those who trust us with their financial planning.

Why are bonds making headlines again?

Rising yields, now at levels not seen for years, highlight how even more traditionally stable areas of the market can shift.

This article explains what’s behind the changes and why bonds are back in focus: https://www.capstone-financial.co.uk/why-bonds-are-back-in-the-spotlight-and-why-it-matters/

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 2/6/2026

Not all business owners plan to retire at the same time, and that’s normal.

What matters is how those differences are handled. Without clear communication, misaligned exit plans can affect both the business and personal relationships.

Here’s why these situations arise and the ways shareholders can approach retirement planning more constructively: https://www.capstone-financial.co.uk/navigating-different-retirement-timelines-between-shareholders/

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 1/5/2026

⚠️ 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 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 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 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 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 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.