Welcome to Capstone Financial Planning
"Life is full of challenges. For many of us, working out our finances, making sure the right amount of superannuation is put aside for retirement, selecting the right type and level of insurance, reviewing investment opportunities, and even saving for the children's education can be a daunting process.
With Capstone Financial Planning, you can be assured that our qualified and experienced financial advisers will make this process simple and manageable.
Capstone Financial Planning was formed in July 2002 and is now one of Australias’ leading financial planning licensees.
We are independently owned and operated. We are not owned by any bank, fund manager or financial institution.
Capstone provides its financial advisers with one of the broadest approved product lists in the Australian market. Our approved products are selected by a third party research firm. Our advisers are free to utilise ‘best of breed’ products and investment platforms from this list.
Our advisers are fully trained in all aspects of financial planning. When you make contact with our advisers, you can be confident that they are committed to understanding you, your current circumstances, future needs, lifestyle objectives and your financial goals.
Our advisers work with you to construct an appropriate financial plan and manage it with you through the various stages in life.
Whether you are planning for your retirement or starting out to invest, I encourage you to find out how a Capstone financial adviser can assist you."
Grant O’Riley,
Managing Director
Why choose Capstone?
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1. Personal financial advice
Experts tell us that when it comes to personal financial advice a good starting point to focus on the "personal" rather than the "financial".
Many advisers find that the most important thing for clients is to figure out what they want to do with their life. Questions like, Where do I want to live? Do I want to send my children to private school or university? What type of lifestyle do I want in retirement? are keys to understanding what you need from your own financial situation.
At Capstone Financial Planning we understand that your financial circumstances are closely tied to the range of choices you have in your life. At the same time, life changes can have a financial impact.
Many clients use financial planners when they are experiencing life changes in their twenties, thirties, forties, fifties sixties and beyond. Many Capstone advisers have long standing relationships with clients that span over decades. Throughout their career many of our advisers have assisted clients through a number life challenges including:
- Retirement Planning
- Wealth Creation
- Taxation
- Investment
- Personal Superannuation
- Small Business Planning
- Corporate Superannuation
- Salary Packaging
- Life Insurance
- Income Protection
- Retrenchment and Redundancy
- Centrelink
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2. A challenging and exciting time
Life changes, a world of investment products, changing legislation, the economy, and the effects of globalisation and world events mean that the financial climate has never been more challenging or exciting. To make the most of the opportunities that can assist your individuals circumstances clients need two things;
i) an understanding of the financial options based on individual needs,
ii) a relationship with a financial adviser who understands what those individual needs are.
Capstone Financial Planning holds an Australian Financial Services License. This means that our advisers must obtain and uphold the highest qualifications and ethics. Many of our advisers are very experienced and throughout their career have worked with clients through a number of world and economic events including:
- Late 1970's - Runaway inflation leading to recession in the early 1980's
- 1980's Property price boom and inflation.
- Mid 80s recession.
- Black Monday October 1987
- 1990's Recession in the early 90's. Asian currency crisis and the rise of internet stocks and the "new economy"
- 2000 Internet stocks bubble burst the 'Tech Wreck'
Throughout these times our advisers have worked with clients to maximise the upside of these events and minimise any negative implications. We are proud that many the advisers at Capstone Financial Planning have kept over 98% of their clients even through turbulent periods in the market.Capstone Financial Planning has advisers based around Australia. Click here to find an adviser near you (link to search for an adviser option)
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3. Experience and Expertise
Capstone Financial Advisers have the experience and expertise to develop and implement financial solutions. We believe that achieving your financial goals requires sound advice based on quality information and research. Capstone Financial Planning does not own investment products, and as we are independently owned and operated we are not by banks, fund managers or financial institutions that may sell investment products. Our advice is not based on product quotas. Where required, we access investment solutions from quality providers.
Our advisers have undertaken the mandatory training relating to the provision and knowledge of financial planning. They are qualified to provide specialist advice on a wide range of financial matters. Capstone Financial Advisers are required to continually update their knowledge through regular training and are governed by industry standards and regulatory bodies.
Working with you, your Capstone financial adviser will combine technical advice and the right investment strategies to add significant value to your financial status over the long term. At Capstone you can expect your adviser to manage your plan through economic and legislative changes. Your adviser will draw upon quality analysis and forecasting technology to help you reach your personal goals.
Capstone is expanding throughout Australia and currently has an extensive network throughout Victoria, New South Wales, Queensland, South Australia and Western Australia.
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