Capstone Financial Management Ltd

Reference number: 630674

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Capstone Financial Management Ltd (FRN 630674) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Capstone Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Capstone Financial Management, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When capstone-financial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 667 1482 is
  • Who else gives the postcode WA14 2DT
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Other names (4)

If you were contacted under any of these names, it is this firm.

  • Capstone Financial Trading name
  • Andrew Williamson Former name
  • Capstone Financial Planning Ltd Former name
  • Andrew Williamson Wealth Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09225559
Company status
Active
Company type
Private limited company
Incorporated
18 September 2014 (12 years old)
Registered office
13 Ashley Road, Altrincham, WA14 2DT, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Louise Healey Director Sep 1983 18 Sep 2014 7 other companies
Andrew James Williamson Director Dec 1975 23 Sep 2019 5 other companies
Daniel Healey Director Aug 1975 23 Sep 2019 3 other companies

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
10
closed down
5
is FCA-registered
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 3 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£191k

+4.3% from £183k

Cash at bank

£170k

Up £160k from £9,832

Employees (average)

26

+53% from 17

Owed within a year

£476k

−59% from £1.17m

The accounts for the year to 31 March 2025 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £90.3k, for the year to 31 March 2021.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • Both charts, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09225559. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Capstone Financial Management’s history from the FCA register and Companies House, newest first.

Key events (7) All events (21)

2026

18 May 2026

  • Daniel Healey stopped being a part-owner

Companies House

2020

4 February 2020

  • Daniel Healey became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Sarah Louise Healey became the majority owner (50–75% of shares)

Companies House

2014

5 November 2014

  • Changed its registered name from "Capstone Financial Planning Ltd"

FCA register

25 September 2014

  • Changed its registered name from "Andrew Williamson"

FCA register

18 September 2014

  • Incorporated at Companies House

Companies House

22 August 2014

  • Became an appointed representative

FCA register

In the full report: all 21 events

  • All 21 events in its history (7 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Capstone Financial Management

Other FCA-listed firms that share a director, phone number or address with Capstone Financial Management. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Capstone Financial Management

Other firms of the same type (financial adviser), nearest first.

In Altrincham

Alexander House Financial Planning LimitedAltrinchamAppointed representativeAllinea Corporate LimitedAltrinchamAppointed representativeAndrew Daldry Wealth Management LimitedAltrinchamAppointed representativeCheshire Wealth ConsultancyAltrinchamAppointed representativeChronos Wealth LtdAltrinchamAppointed representativeClarity Financial Wellbeing & Planning LtdAltrinchamAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Capstone Financial Management

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 21 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Capstone Financial Management Ltd FCA authorised?
Capstone Financial Management Ltd (FRN 630674) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Capstone Financial Management?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Capstone Financial Management Ltd (FRN 630674) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Capstone Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Capstone Financial Management, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Capstone Financial Management’s phone number and website?
The FCA register lists the phone number 0161 667 1482 and the website capstone-financial.co.uk for Capstone Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Capstone Financial Management a scam or clone?
Capstone Financial Management is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Capstone Financial Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Capstone Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Capstone Financial Management?
Companies House lists one person with significant control of Capstone Financial Management: Mrs Sarah Louise Healey (50–75% of shares). Before that, it was controlled by Mr Daniel Healey.
Who runs Capstone Financial Management?
Companies House lists 3 directors of Capstone Financial Management: Sarah Louise Healey, Andrew James Williamson and Daniel Healey.
How long has Capstone Financial Management been in business?
The company was formed on 18 September 2014.
What do Capstone Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £191k (+4.3% from £183k) and cash at bank of £170k (up £160k from £9,832).
Does Capstone Financial Management use any other names?
It trades as Capstone Financial. It has previously used 3 other names: Andrew Williamson, Capstone Financial Planning Ltd and Andrew Williamson Wealth Management.

Sources and links

The full report on Capstone Financial Management Ltd

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