2. 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
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.
The Capstone Financial Group
3. Capstone Financial Group Client focused, integrity driven advice
The Capstone Financial Group
The Capstone Financial
Group is a leading financial
planning and wealth
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.
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
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
4. Capstone Financial Group Client focused, integrity driven advice
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
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
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.
5. Capstone Financial Group Client focused, integrity driven advice
Getting to know you, our client, allows
us to build trust and establish a long-
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
• 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
6. Capstone Financial Group Client focused, integrity driven advice
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
• 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
7. Capstone Financial Group Client focused, integrity driven advice
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:
• Medical Insurance and other General
8. 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.
Client focused, integrity driven advice