Financial Planning for Women

Take control of your financial future to build the life you want and ensure your loved ones are looked after.

You’ve worked hard to build your succes – now it’s time to make your money work just as hard for you.

Women face unique financial considerations, from navigating tax efficiency and investments to balancing career progression with family commitments. With careful planning, you can protect your wealth, maximise opportunities, and create financial security that supports both your ambitions and lifestyle.

Whether you’re optimising your earnings, planning for the future, or ensuring long-term financial independence, our expert financial planners will work with you to help you feel more confident about your financial future, helping you build the right financial plan for you and your family.

Arrange a financial review

 

A major part of achieving life’s financial goals comes down to understanding where you are today and what steps you need to take to get to where you want to go.

Fill in the form to arrange a no-obligation, one hour online or face to face financial review with us.

St. James’s Place together with Capstone Financial are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the St. James’s Place Privacy Policy or the Capstone Financial Privacy Policy.

Your tax year-end guide:

A well-thought-out financial plan is the foundation of a secure future – you make confident decisions and stay on track toward your goals. Small steps, like making the most of your ISA allowances or contributing regularly to your pension, can make a big difference over time.

If you’re unsure where to begin, our Tax year-end guide is a great place to start. In just 20 minutes, you’ll learn how to choose the ISA that suits you best, maximise your tax benefits, and see how regular contributions fit into your wider financial plan.

Download Your Guide

What are your future goals?

Here are some of the questions our financial advisers can help you answer:

  • Will I be able to achieve my financial objectives?
  • Can I improve my retirement income?
  • Could my retirement arrangements work any harder?
  • Can I make my financial affairs more tax efficient?
  • How do I maximise my wealth?
  • Are my family and I fully protected in the event of death, disability or illness?
  • Will I be able to fund my children’s education costs?
  • Could my mortgage rate be more competitive?
  • What are my inheritance tax liabilities?
  • How do I cover the costs of care home fees?

Your home may be repossessed if you do not keep up repayments on your mortgage.

Useful Articles – Women and Finance

International Women’s Day: Taking charge of the financial future

Women are set to inherit trillions of pounds due to a huge generational transfer of assets over the next three decades.
Dealing with divorce – and your finances

Going through a divorce is usually an emotionally difficult time but it also has ongoing financial implications. Amid the transition, it can be easy to overlook some important steps that might shape your financial future.
What’s the cost of a comfortable retirement?

How much do I need to retire? Once we hit 55 the average age that most of us start to focus on pension planning – it’s one of our most commonly asked questions.
Greater volatility, greater opportunities?

Markets have been volatile lately. Despite this uncertainty, higher interest rates have improved bond yields, making them potentially more attractive for investors.
Pensions for children – what you need to know

Early child pension contributions grow significantly over time through tax relief and compounding, helping secure their future. It also offers a simple way to support long‑term wealth planning and reduce potential Inheritance Tax.
When do I need to start saving for retirement?

Save steadily from your 20s to build toward roughly ten times your salary by retirement. Starting early and increasing contributions over time gives you the best chance of a comfortable future.

“I met with Janine to discuss starting a pension and she was incredibly helpful. As someone who is self employed and has very little clue when it comes to pensions, she gave me the best advice and helped me understand how to set up my future self.”

Amy Bartlett

“I was recommended to see Debbie Newman about my pensions which I have been putting off sorting for years, feeling overwhelmed with what I had, all my options and if I would have enough to even retire. Debbie didn’t disappoint, making what I thought was complicated, understandable and less daunting. She spent time to really get to know me and my future goals, she was friendly and very knowledgeable. I now feel confident with the plan we have put together and wish I had met her much sooner. I would definitely recommend Debbie and Capstone Financial for anyone looking for financial advice.”

Shirley Evans

“I have been a client of Capstone Financial for the past 2 years receiving pension advice for myself and more recently, my husband and daughter have also become clients. They take the time to explain things clearly and to go over the information at the right level for us. I would recommend them for any financial advice as they make it accessible and understandable.”

Julie Royce

“It’s the personal face to face service that has brought me to Capstone. What I needed was personal advice and financial management, in lay language from my own designated adviser and that is what I am getting. My adviser is easy to speak to directly and every query is effectively dealt within a timely manner. Thank you very much.”

Helen Davidson

Why Choose Capstone Financial

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Award winning advice

We pride ourselves on ensuring our clients get access to exceptional financial advice. That’s why we like our awards, to show that we know our stuff!

Award-Winning Advice
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Put our clients first

Our company was set up to ensure our advisers have the time and expertise to help clients achieve their financial goals.

Our Client Promise
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Invest in our people

Everyone who joins us wants to be the best at what they do, so we support them with a clear development plan to help them build a career for the long term.

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