At Capstone Financial, we understand the unique financial pressures that GPs and GP practices face — from navigating complex pension arrangements to managing the day-to-day finances of a busy medical practice. Our role is to provide clear, trusted advice that helps GPs take control of their financial wellbeing, both personally and professionally.
Supporting Individual GPs
As a GP, you’re balancing clinical responsibilities with significant financial considerations. Whether you’re a partner, salaried GP, or locum, we can help you:
- Understand and optimise your NHS pension
The NHS Pension Scheme is a valuable benefit but can be difficult to navigate. We offer clear guidance on annual and lifetime allowance limits, pension growth, and the potential tax implications — so you can plan confidently for retirement. Ensuring your records are up to date with PCSE and NHS Pensions, for the most accurate projection of future benefits. - Make tax-efficient decisions
From income structuring to allowable expenses, we help ensure you’re making the most of available tax efficiencies. We also work closely with your accountant to support your Self-Assessment and mitigate unexpected liabilities. - Build long-term financial resilience
We help you align your savings, investments, and protection planning with your personal goals — whether that’s early retirement, funding children’s education, or simply feeling financially secure.
Supporting GP Practices
Running a GP practice comes with its own set of challenges. Our experience with healthcare professionals means we’re well-placed to support practice partners with:
- Practice financial planning
From budgeting and forecasting to managing partner drawings, we provide tailored advice that supports the long-term sustainability of your practice. - Succession and partner planning
Whether you’re onboarding a new partner or planning for a retirement, we can help ensure transitions are smooth, fair, and financially viable. - Pension and benefit support for staff
We assist with setting up and reviewing staff pensions and benefits packages, helping you attract and retain a strong team. - Strategic advice
We offer insight on key decisions — from incorporation to collaboration within a Primary Care Network (PCN) — always aligned with your professional values and financial goals.
At Capstone Financial, we’re here to provide more than just advice — we’re a long-term partner in your financial journey. Our focus is on building trusted relationships with GPs and practice teams across the UK, offering clarity, confidence, and peace of mind in an increasingly complex environment.
If you’d like to speak to one of our specialist advisers, we’d be delighted to help.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.