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Retired Merseyside General Dental Practitioner

"Unfortunately I had to retire from dentistry suddenly due to illness. Rob Beck’s knowledge of the intricacies of the NHS pension scheme have been incredibly helpful, always showing great empathy and respect.

He has given astute advice on investments enabling us to achieve our retirement plans while at the same time giving us financial security."

Professor Jeremy Wilson PhD, FRCS, Consultant Colorectal Surgeon, WUTH NHS Foundation Trust

Wirral & Spire Murrayfield Hospital, Wirral.

"I have used Capstone Financial for over five years. As a surgeon, with very little free time, they have provided excellent support and advice. helping me to get my financial affairs in order. My previous financial adviser couldn’t provide the detailed support I needed to understand the complexities of my NHS pension, and this caused me several issues. With the Capstone medical team, I have been able to address my concerns on annual allowance tax charges and do the correct planning required. They also helped check my NHS Pension record and a number of errors were corrected with significant financial benefit. Working with my adviser I have been able to plan for my retirement so I know when I will be able to retire and with what income. I also moved my private pension to them with far greater returns.

I see my Capstone adviser every year to ensure my financial objective and plans remain on track. They have introduced me to a medical specialist accountant, so I have confidence that all of my tax and financial planning affairs are in order. I can highly recommend them to any medical professionals, and I have introduced them to several colleagues already."

Annie

Consultant Psychiatrist, NHS

"Capstone Financial are extremely knowledgeable about the NHS and private pensions. They are always open and honest about costs and any figures or calculations that are uncertain and that could change. Nothing is too much trouble or too difficult for them. I have worked with several financial advisers before and not found anyone of their calibre. I would strongly recommend them."

Syiane Knowles

ESG Manager, Air IT

"Everyone I dealt with was professional, friendly, and organised. It was incredibly easy to work with Capstone Financial to set up the financial advice webinars, they were flexible in their approach to ensure it worked best for the company and our staff. They also provided support to our internal communications executive with their own materials."

Darryl Cooke

Co Founder of gunnercooke LLP

"It is important to us that our people are happy.

Our model helps each of us to design our happiness, but to be truly happy we need to ensure that each of us is also financially secure.

When we set out to look for a partner that we could look to long term to help satisfy these aims we kept coming back to St. James’s Place and Capstone Financial.

St James’s Place, because like us they are a fast growth business and like us, they demonstrate real authority in their area of expertise. Capstone because of the people and both the warmth and the innovation they showed whenever we spoke with them. Ultimately we felt that they cared about us and our business."

Rebecca Ireland

Employment Law Partner

"Capstone Financial helped me to consolidate my pensions after I moved law firms and put in place income protection plans now that I am self-employed under my own personal services company.

It was great getting their help because they carefully listened to what I wanted to achieve, gave information in a user-friendly manner, helped me understand the options and completed the paperwork efficiently and in a timely manner.

I would highly recommend them and they have been a big help in me sorting out my key financial plans."

Nick Ducker

Corporate Partner

"Moving from an employed position at a large law firm to a self-employed role within gunnercooke meant I needed to ensure I had the correct protection in place for my family and I. I also needed to under-stand how I could effectively extract profits from my business in a tax efficient way.

Capstone Financial were recommended as the financial advisers to speak to as a gunnercooke partner and I couldn’t be happier with the advice and service I have received from them so far.

Liam took the time to fully understand my needs and objectives to ensure I had the right financial plans put in place for me. In particular I found the cash flow modeling really useful to help me look at what level of savings I need to put away each year to ensure I can retire when I want to."

Suresh Bhatt

Pensions Partner

"Capstone Financial have been my trusted Financial Advisers for a number of years. Their ability to listen and understand my goals has been vital in building a long-term relationship, and they always advise me on the right protection policies and investments to suit my circumstances.

Following my move to gunnercooke having a financial adviser I can trust, who offers full holistic advice to bring financial security for me and my family, has become even more important.

With the Capstone team by my side I have full confidence that my personal finances will be well looked after, enabling me to concentrate on realising my professional ambitions with gunnercooke."

Craig Jackson

Engineer, Glossop

"The whole team at Capstone Financial are exceptionally professional in their approach and advice with particular attention to detail. Client expectations are the highest priority and I would not hesitate to recommend them to family, friends and colleagues."

Glyn Jelley

Manging Director , Salford

"Liam identified the type of business we are, risks associated, key personnel and devised a solution to ensure we were covered for many potential outcomes. As a company, we required protection for certain staff members, medical insurance and pensions. Personally, I have required pensions, investment advice and mortgage solutions. I am extremely pleased with the outcome and I am 100% satisfied with the service provided by Liam and the Capstone Financial team."