capstone financial group brochure

Capstone Financial GroupClient focused, integrity driven advice

Capstone Financial Group Client focused, integrity driven advice

Welcome to the Capstone Financial Group.

We are an Independent Financial Planning and Wealth Management Company, specialising in providing client

focused, integrity driven advice to individuals, trusts and businesses.

Capstone Financial was originally incorporated by experienced industry professionals with the clear aim of

setting new standards in the Asian financial services industry. How? By offering a refreshing new approach that

radically improves the quality of advice and overall client experience.

Our success as a company has been driven by the strong belief that our clients’ success will drive our own

and our simple philosophy that the client should always come first. This document expands on how we look to

differentiate ourselves, outlines what you can expect as a client, our investment philosophy and how we can

help you.

We continue to strive to set new standards for our industry and welcome your feedback on how we can improve

on our client commitment. Please don’t hesitate to get in touch with me personally or with one of our team of

dedicated advisers for more information. Alternatively, why not visit our website at: www.thecapfingroup.com

Thank you for your interest and we trust you will enjoy an exceptional Capstone experience.

Gareth Llewelyn-Williams

Managing Director

The Capstone Financial Group

[email protected]


The Capstone Financial Group

The Capstone Financial Group is a leading financial

planning and wealth management company

offering investment and insurance solutions to individuals, trusts and

businesses in Asia.

Capstone is an independent and innovative company. We differentiate ourselves by putting our clients’ needs above everything else. This approach enables us to create real value through the provision of unbiased, integrity-driven advice and solutions tailored to the specific needs of each client.

Based on this foundation, we have built exceptionally strong relationships with our clients which we continue to develop by delivering a highly effective service.

Our Team

We pride ourselves on the quality and level of expertise of every member of the Capstone Financial team. Our personnel consist of industry professionals from around the world, whose individual skillsets are enhanced by on-going development programmes. This outstanding human resource combines global experience and financial expertise with Capstone Financial’s integrity driven advice and client commitment.

While all our advisers are highly qualified, they also enjoy the support of an experienced management team and technical specialists. This ensures that each client benefits from the wider capabilities of the Capstone Financial Group and not just the skills of their individual adviser.

We differentiate ourselves by putting our clients’ needs above everything else.


Why Capstone Financial

As a client you will receive a complete solution. We believe that it is our responsibility to advise you on all aspects of your finances and help implement a comprehensive strategy that will deliver financial security for you and your family.

Our unwavering focus is on providing consistent, high-quality advice and service throughout the Capstone Financial Group. We believe that the advice and service you receive as a client should be consistent with all our clients and each client should benefit from the experience and technical abilities of the Capstone Financial Group and not just that of your individual adviser.

Our Investment Committee provides the basis for any investment proposal. By utilising its extensive experience in banking and wealth management, they systematically map the market and provide extensive research on the whole fund universe, providing select ideas for all our advisers. In a volatile world, you can be assured that your assets are in safe hands. A service built around you

We focus on shorter, more liquid and flexible investments, allowing you to utilise disposable income and savings to create wealth and capital without sacrificing liquidity, which enables you to meet future needs as well as take advantage of future opportunities.

Clients are at the very heart of everything we do and we are committed to providing you with client focused, integrity driven advice that is designed to your individual needs.

Our advisers have an invested interest in looking after their clients over the long term. Aligning the interests of our advisers with our clients promotes higher levels of advice, service and performance.

We understand that our reputation is based on the quality of advice you receive and delivering on our commitment to you. As a result we have strong internal controls and all employees receive in-depth, on-going training to ensure the advice we offer is always of the highest quality.

We aim to differentiate ourselves from our

competitors and the industry as a whole in a

number of ways.


Getting to know you, our client, allows us to build trust and establish a long-term relationship.

We want all your experiences with us to be positive. That is why, from the very first meeting, your adviser will clearly set out what you can expect from us and how we aim to help you.

Before providing any advice, we take the time to learn more about your personal and financial situation, as well as your future goals. This is achieved by completing a financial needs analysis, which is treated with complete confidentiality.

It is only once we really understand your situation and needs, that we will start helping you implement an effective investment and financial strategy.

Your relationship with us does not end at the point you decide to invest, as we know that it’s what happens afterwards that will determine your future success and your satisfaction with us.

Setting the standard for client commitment and performance

All Capstone Financial clients enjoy:

• Regular face-to-face meetings with your dedicated financial adviser, offering you the opportunity to review your investments, take account of your financial affairs and receive expert guidance through volatile markets

• A dedicated client servicing team working alongside your adviser to ensure all your queries and requests are dealt with in a timely manner

• Access to technical specialists either in-house or through one of our preferred partners

• Regular market commentaries

• Online access to all your investments in one convenient place

• Investment committee and fund research team searching the whole market to bring you the best options

• Continuous improvement based on close attention to your on-going feedback.

These elements and more form part of the comprehensive Capstone Financial service designed to safeguard your future financial success and ensure your satisfaction.

Our Commitment to You

We want all your experiences with us to be positive. That is why, from the very first meeting, your adviser will clearly set out what you can expect from us and how we aim to help you.


Our Investment Philosophy

Our advisers will carry out regular reviews of your portfolio. These provide the opportunity to take account of any changes in your circumstances and adjust your investments so they continue to deliver the desired balance between risk and return.

Lump Sum Investments or single investments are a popular choice for those who have accumulated capital on deposit and wish to find a long-term home for their money. Whether you are looking to invest for income or for growth, we are able to access the whole of the market for the most appropriate investment solution.

Regular Investments are an effective way of investing by allocating the funds to your account on a monthly, quarterly or annual basis. This allows you to allocate over multiple market cycles and is an excellent way to plan for the future.

Retirement planning plays a key part in long-term financial strategies. Investing today is crucial to being able to reach a position of financial security in the future. Alternatively, you might be looking at taking an income from your pension, setting up a corporate scheme or need help working out any potential shortfalls. We’re here to help whatever your individual needs.

Education fees are a large expense for many families; by planning ahead and being aware of the costs of giving your children the best start, you can greatly reduce any financial burden. We can guide you towards investing a lump sum or regular amount to cater for this need.

Offshore investment bonds are a life assurance policy. They are treated differently in tax terms from other investments and can offer significant tax savings if you already are or may be a UK taxpayer in the future. As such, they can be used to generate capital growth and income that are both highly tax-efficient.

Qualifying Recognised Overseas Pension Schemes (QROPS) enable clients to consolidate and transfer UK Pensions offshore into a single structure. This gives you greater control of your investment and enables the simpler creation and management of your investment portfolio.

We also offer specialised services in the following areas:

• Inheritance Tax Planning and Mitigation

• Trust Formation

• Alternative Investments

• International Property

Investments - Investing in your future

Constructing a balanced and diversified investment portfolio is a complex task,

but one for which we are ideally equipped.


Protection - Protecting your future

Protection encompasses a range of insurance plans that provide cover against critical illness, accident or death. It is the foundation of economic security and essential to all good financial planning strategies.

We are ideally positioned to cut through the vast range of protection products in the market to identify the right options for you. Our expertise covers:

Life Insurance. This form of protection is designed to protect your family from the financial implications of a personal tragedy and is particularly pertinent if you have young children. Whatever your situation, we can help you set up a life assurance plan that is tailored to provide the level of cover you need at every stage of your life.

Critical Illness Cover. While life insurance is the most popular form of protection, statistics show that serious illness, such as a heart attack or stroke, offers a greater threat to a family’s standard of living. Even if the individual affected can still work afterwards, additional funds may be needed to cope with any disability.

We can help you arrange cover for a set list of illnesses, with payment in a lump sum to reduce liabilities, pay for childcare or structural alterations to your property if needed. Arranging this type of cover gives you time to come to terms with your condition and decide what changes to make to your life.

Income Protection. If you were unable to work, would you still require an income to cover your outgoings? Income Protection protects the income of the main earner in the event of long-term sickness or disability.

Key Person and Shareholders Insurance. Most businesses are quick to insure their assets, yet they commonly overlook key members of the company and substantial shareholders. Key Person insurance can protect a business against the financial implications arising from the death or incapacity of executives, directors and other key staff. You can protect yourself against the exact nature of the loss, and this extends to losses suffered by the families of director-controlled enterprises.

In addition to Investments and Insurance, we are also able to help with a wide range of additional services, including:

• Mortgages

• Wills

• Medical Insurance and other General Insurance solutions

Next steps

Capstone Financial has the specialist knowledge and expertise to help you create, manage and maintain your wealth across the broadest spectrum of financial products. Whatever your situation – from starting out, to broadening or improving current investment arrangements – we are ideally placed to help you with all your financial planning needs.

Contact Capstone Financial

Whether you’re considering financial planning or investing for the first time or are seeking an alternative to your existing options, please contact Capstone Financial using the details below to set up your initial face-to-face meeting which is free of charge and places you under absolutely no obligation to proceed.

www.thecapfingroup.com

[email protected]

Client focused, integrity driven advice

capstone financial group brochure

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