Our Capstone Client Promise

As a client of Capstone Financial we promise to work closely with you and your family to ensure you receive excellent financial advice that will help you achieve your financial goals and aspirations. The ongoing advice we offer is a key part of our offering and we will provide a highly personalised service to help you make informed financial decisions about your future.

Delivering first class financial advice, we promise to:

  • Always do what we say we will do and ensure you have clarity in all areas of your financial wellbeing
  • Offer face-to-face review meetings in line with the frequency stated on your client servicing preference form
  • Be available any time during working hours via phone or email to handle any queries you may have
  • Send regular financial communications that are tailored to you and your interests
  • Be your trusted financial advisers in the long term and work closely with any other professional advisers you have

Through our regular client review meetings, we will:

  • Understand your individual financial circumstances and objective
  • Fully review your financial goals and adapt to any changes
  • Review and, if applicable, rebalance your investment portfolio and fund choices
  • Help you maximise your annual tax allowances
  • Keep you up to date with legislation and Budget changes
  • Help you to review your appetite for investment risk as your circumstances and priorities change, ensuring your investments continue to meet your requirements
  • Take on any feedback you have to ensure we maintain our exceptional standards

Keeping you informed

We will provide you with access to regular communications, selected by you via our client servicing preference form. This ensures that you are kept fully informed of how your investments are being managed and up to date with all the latest economic information, including any key changes that may affect your financial future.

Client communications available to you include:

  • Annual postal valuation report of your investments and online access to your Wealth Account 24 hours a day, via our website.
  • A Market Bulletin sent weekly, providing up-to-date market and economic information
  • Access to the E-briefing Service, providing topical financial related articles via email
  • Tax year-end reminders of the available allowances and tax-saving opportunities
  • An Annual Budget report summarising the chancellor’s announcements
  • The Investor magazine, full of investment news, interviews and opinions
  • Invitations to client events and briefings, tailored to your areas of interest
  • Asset Preservation Trust that is a complimentary service to ensure your death benefits go to the relevant individuals
  • My Documents is a booklet you can keep that provides a complete overview of your complete assets and contacts

Ongoing advice charge

We will discuss with you the ongoing advice charges for our services. Details of the charges we make for our advice and how it is paid for are set out in the ‘Key facts about our costs and services’ document you receive. The cost for our advice is paid for and facilitated out of the overall charges levied on your investment. The advice charges will also be discussed with you and the specific amount charged will be provided on your personalised illustration. If you have any questions regarding this, please do not hesitate to contact us.


St. James's Place Guarantee

St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority