Capstone Financial

Congratulations to Alicia and Vicky from our client admin team who have been working hard recently toward their practice support specialist accreditations.

Alicia and Vicky both recently reached the Gold standard of accreditation, a fantastic achievement, and a credit to their dedication to development and ensuring the best outcomes for our clients.

Well done both!

The UK economy is at a crossroads as Andy Burnham takes over as prime minister.

Here are six areas investors, businesses and policymakers will be watching closely.

🔗 https://www.capstone-financial.co.uk/burnhams-britain-economic-priorities-to-consider/

With most pensions set to fall within inheritance tax rules, many people are rethinking how and when to use their retirement savings.

While annuities can provide guaranteed income and may support estate planning by reducing pension wealth over time, they’re not without trade-offs.

Read on to explore why demand is growing, the key risks to consider, and how annuities can fit within your broader retirement strategy.

🔗 https://www.capstone-financial.co.uk/the-taxable-benefits-of-buying-an-annuity/

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

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 02/07/2026

A huge congratulations to Gary Morgan on completing an incredible 100km cycle from Manchester to Blackpool in support of The Christie Charity.

Gary took on the challenge last Sunday and not only crossed the finish line, but also exceeded his fundraising target, a fantastic achievement made possible by the generosity and encouragement of everyone who supported him along the way.

Although the original target has been surpassed, every additional donation continues to make a meaningful difference to the vital work of The Christie.

If you would like to support Gary’s efforts, you can donate here: https://www.justgiving.com/page/gary-morgan-1?utm_medium=FR&utm_source=CL -section-marker

An outstanding effort for a truly important cause, well done, Gary.

Thank you to everyone who joined our recent Inheritance Tax Planning Webinar for Medical Professionals.

In this focused 45-minute session, we explored how the NHS Pension Scheme fits into wider inheritance tax planning and shared practical strategies to help medical professionals pass on more of their wealth to future generations.

Here’s a quick recap of what we covered:
💡 Why inheritance tax is becoming an increasing concern
💡 How NHS pensions can help reduce inheritance tax exposure
💡 The “lump sum trap” and how it could unintentionally increase your tax liability
💡 Common inheritance tax mistakes and how to avoid them

A special thank you to our Medical Financial Planning experts, Rob Beck and Aimee Jeavons, for delivering another insightful session.

If you're an NHS consultant, GP or senior clinician and would like a copy of the recording, comment below and we will send it across.

Congratulations to Alan Worthington! 🎉

Being recognised in the VouchedFor Guide to Top Rated Financial Advisers is a significant achievement in itself and Alan has earned a place in the guide every year since 2021.

This year however, the recognition is even more special, as Alan has been ranked the 2nd highest-rated financial adviser in Liverpool, supported by an incredible 160 five-star VouchedFor reviews.

This achievement is a testament to Alan’s expertise, dedication, and client-first approach. Consistently delivering high-quality advice and exceptional service over many years has earned the trust of his clients and the recognition of one of the industry's most respected review platforms.

A huge thank you to everyone who has taken the time to leave a review, share their experience, or recommend Alan.

🚨 There’s still time to book your place

If you're an NHS consultant, GP or senior clinician with wealth built up through your NHS pension, property, investments or savings, this session will help you understand how your retirement decisions could affect your family's future inheritance tax position.

Join our upcoming webinar:
📅 Tuesday 14th July | 🕢 7:30pm

In this session, we’ll cover:
☑️ Using NHS pensions to support inheritance tax planning
☑️ The risks of taking tax-free lump sums
☑️ Overlooked estate planning mistakes
☑️ Strategies to help protect your legacy

Don’t miss out, register here: https://us06web.zoom.us/webinar/register/WN_osWiErVNR_OyRG8D8X04bA

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 08/07/2026

It’s natural to hope for the best. But it’s also a good idea to have a back up plan.

Protection insurance can help provide financial support if illness or unexpected events affect your ability to work.

Explore how it works and why it can bring peace of mind: https://www.capstone-financial.co.uk/why-protection-matters-family-finances/

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 30/6/2026

This Sunday our very own Gary Morgan will be taking on the Manchester to Blackpool bike ride, cycling an incredible 100km to raise money for the amazing The Christie Charity.

The Christie is Europe's largest single-site cancer center, supporting more than 60,000 patients every year. Through world-leading treatment, pioneering research and education, the charity helps provide life-changing care while driving forward the fight against cancer.

Gary has already surpassed his initial donation target, but every donation makes a huge difference, so if you would like to donate and support, you can do so here: https://www.justgiving.com/page/gary-morgan-1?utm_medium=FR&utm_source=CL

Good luck Gary, we’re all behind you!

A big thank you to everyone at John West who joined us for our Financial Wellbeing Workshops this week.

Richard Baimbridge and Debbie Newman enjoyed delivering an interactive session focused on helping employees make informed financial decisions and build confidence in planning for the future.

Topics explored, included:
✔️ How much you may need in retirement
✔️ Setting and achieving long-term financial goals
✔️ Supporting younger generations with saving, investing and buying their first home
✔️ Planning for later life, including long-term care and supporting older relatives
✔️ Protecting your loved ones should the unexpected happen

It was fantastic to see such great engagement throughout the session, with plenty of thoughtful questions and discussion. We hope everyone left with practical ideas, greater confidence and a clearer understanding of the steps they can take towards achieving their financial goals.

Thank you again to everyone who attended, and to John West for partnering with us to support the financial wellbeing of its employees.

If you'd like to bring financial wellbeing workshops to your organisation, we'd love to hear from you. Find out more about how we help employers support the financial wellbeing of their people:
https://www.capstone-financial.co.uk/what-we-do/employee-financial-wellbeing/