A few words about who we are

Capital is a financial planning firm unlike any other. We like it that way.

We are truly a boutique business and provide a unique service focused on resolving the financial challenges faced by busy entrepreneurs and professional in the media, tech and creative sectors. Let us do your heavy lifting so that you can get on with doing what you love to do.

Our purpose is to make a positive difference, one family at a time. This is what inspires us, what gets us out of bed in the morning and provides the focus that energises and drives our people and our business. It is the soul of our business and it shapes our culture.

We operate in the world of facts, truth, evidence, and science – not superstition when it comes to caring for your wealth. That’s why we have crafted an award-winning planning and advice service. One that will provide you with the clarity and understanding you desire and that gives you the reassurance that all your important financial issues are being fully taken care of by a team you trust. We offer three service levels at three flat fees, it’s as simple as that. No hidden costs, no confusing percentages to calculate and no commissions to muddy the waters.

Almost the entire team have left huge impersonal organisations in order to join Capital and do what they love, which is to personally help people like you. Our staff turnover is almost non-existent, so you can count on your financial adviser to be there with you every step of the way.

Every month we send out some great ideas, thoughts and inspiration. If you want to hear from us, add your email address here.

  • Alan Smith CEO

    Alan Smith


    I started Capital in 2004 with a clear vision to do things differently. I wanted to challenge conventional thinking in financial services that seemed to be all about selling expensive and baffling financial products to the public to generate large commissions – but which never seemed to solve the ‘real life’ issues faced by clients.

    So I wanted to build an independent, boutique business with a client-focused culture where we took time to get to know our clients, really listened to them, understood them and built a life time relationship as their ‘trusted adviser’.

    Several years down the line, I am very proud of what we have built, and the lovely things our clients tell us about the positive impact we have had on their lives. Nowadays, I spend a lot of my time helping entrepreneurs and business leaders clarify their personal vision and then working as part of their team to make great things happen.

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  • Ashley Hingston Client Services Administrator

    Ashley Hingston

    Client Services Administrator

    I joined the Capital team in September 2017, embarking on an exciting new adventure and relocating to London. Still being relatively new to city life, having now been here for a few months, I can see I am going to fit right in.

    From an early age I have always been interested in financial services. I can remember sitting in on meetings my parents had with their financial adviser at our home. I must admit though, I didn’t have a clue what they were talking about, but I was intrigued to say the least. This curiosity lead me to take economics at college which I continued to study at university. I really enjoyed the variety and continually learning new ideas within the broader subject.

    After a long three years studying at university, I decided I wanted to explore more of the world, so I took the plunge and went to South East Asia for three months. I traveled across Thailand, Cambodia, Vietnam, Laos, Malaysia and Singapore. I enjoyed many highs such as trekking with elephants in Thailand and preparing and eating food with the locals in Vietnam. But missing my connecting bus in Singapore trying to get some bargain brandy through customs for my dad was definitely not a highlight!

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  • Chelsey Southern Marketing Executive

    Chelsey Southern

    Marketing Executive

    Since joining Capital in December 2016, as the firm’s first-ever full-time Marketing Executive, it has been all-hands-on-deck, crazy, busy, exciting and challenging start to entering the wonderful world of financial planning in the heart of the city.

    Creativity has always been my flair ever since I was a little girl. My school teachers always described me as ‘imaginative’ and ‘very creative’, so it was no shock to anyone when I moved into a more creative direction with my education and career. I was never cut out to be a data administrator – the thought of spending hours on excel spreadsheets gives me the shivers.

    Growing up as a Gen Y, I’ve been inseparable from the likes of an iPhone and all things ‘social media’ since entering my teens, including the excessive desire to Instagram every life moment. Consequently, I have been bombarded by marketing and advertising since before I can remember. Marketing seemed like the perfect career path for me.

    Joining the company coincided with Capital’s latest thought-leadership campaign to challenge some aspects of financial services in the UK. Never a dull moment and even though I’m straight in at the deep end, this is what a marketing career is all about.

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  • Sean Banks Associate

    Sean Banks


    As my career has progressed since my first taste of financial advice, having expanded my knowledge, expertise and experience at a few different firms along the way, I’ve discovered the difference between the financial advice and financial services industry, being focused on products and percentages, and the financial planning profession, where the focus is on the people and the planning.

    I suppose I’ve always had the desire to work with people, to get to know their stories and help to improve their lives. I can therefore say that, not only am I lucky enough to be part of a qualified profession that does exactly that, but to also share my vision and values with the UK’s leading financial planning team at Capital Asset Management. I’m a big believer that people should discover what it is they want to do in life, and do everything they can to make it happen. I’m therefore delighted to have taken my own advice and become part of a company that not only shares this belief, but works to make this a reality for their clients every single day.

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  • Don Fraser Director

    Don Fraser


    I was told by someone I trusted that I had the personal attributes to do well, so I jumped in. That was in 1979 and I’m still here enjoying every day. The reward for helping interesting clients has a deep and meaningful impact on me, and is a totally worthwhile way for me to invest my skills, energy and passion. What else could be as good as this?

    I have a personal mission to help people to ‘bring meaning to money’, because as Spike Milligan said “Money can’t buy you friends, but you do get a better class of enemy”. I believe that a personal sense of meaning, purpose and fulfillment can be of far greater benefit in life than a slightly larger bank balance or another shiny new toy.

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  • Graham McCulley Director

    Graham McCulley


    I am a rare member of the advice community in that I actually set out on purpose to be a financial consultant after graduating. However, after working for large organisations I realised the industry was one of sales and not consultancy. After several years I left the sales behind, to follow my goal of providing one to one client centred advice.

    I love to find out exactly what clients wish to do with their lives and why, and then work to ensure the financials stack up to make those aspirations happen. I take care of the technical aspects of finance and build in plenty of flexibility…. because life has a way of throwing unknowns at you.

    Read more.

  • Bradley Miller Client Services Assistant

    Bradley Miller

    Client Services Assistant

    The expert at anything was once a beginner. This time, I’m the beginner and about to embark on a brand-new journey this year with Capital.

    Finding the right career path has never been crystal clear for me. Despite this, I have always endeavoured to be the best at what I do and take pride in my work, whether that is serving Flat Whites to the early gym goers or managing a department at a top-end retailer. So, I decided to make the great leap and begin a career in wealth management. I chose wealth management, not only for the long-term progression it offers but because I have been inspired by my sister’s success in the profession. I have now been working at Capital for a month and I am very happy to say that taking a risk and leaving behind what I know has completely paid off, as scary as it was.

    I am fascinated by the science of investing and the difference great financial planning can make to people’s lives. Meeting and hosting clients every day, as well as learning from the in-house experts the unique way that Capital approaches financial planning, makes me feel enormously satisfied and privileged.

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  • Fiona Price Associate

    Fiona Price


    I believe that rather than being the root of all evil, money can be the source of all joy and contentment. The trick is making it work for you, rather than being its slave. Knowing what you want is a good place to start and proper planning can be a valuable tool to helping you discover your true values and goals.

    Lifting the bonnet on complex circumstances and doing the leg work, research and investigation on your behalf is what I enjoy most. Understanding how things work and why, whether that be an aeroplane or an old company pension scheme, means I can use my natural curiosity to demystify some of life’s complexities.

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  • Amanda Mayes Operations Manager

    Amanda Mayes

    Operations Manager

    I have a real passion for getting things done. As a result, I seem to be famous for my numerous checklists and very close attention to detail!

    My main role is all about making sure that everything ‘behind the scenes’ at Capital is working in harmony and that our clients get the best possible personal service.

    At any given time, I will be juggling numerous projects and process improvements, recruitment, team development and running internal meetings – there are a lot of moving parts that all need to work seamlessly and it’s fair to say that there is never a dull moment!

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  • Charles Riches Director

    Charles Riches


    I am passionate about helping clients to balance the competing and often complex pressures of their finances with the vision, goals and aspirations that they have for themselves and their families.

    This core discipline enables families to make informed choices about the decisions they face whilst managing risk effectively and using their capital and income creatively to maintain a simple yet effective plan which works for them. In essence, making the complex simple.

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  • Emily Corck Client Services Manager

    Emily Corck

    Client Services Manager

    I am one of Capital’s longest standing employees, having been part of the team for around 10 years now. My role as client services manager means that I will be most client’s first point of contact for all non-advice related queries.

    I oversee all administration and ensure that behind the scenes things are working as they should, including the submission of new business, trades and general administration duties.

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  • James Greenly Consultant

    James Greenly


    Rather unusually, I entered financial services when I was just sixteen years old, joining a local IFA firm.

    I started my career off as an administrator, and left close to 7 years later as a qualified, regulated financial adviser, having developed many wonderful client relationships. I remember watching clients enter the office full of concern and worry, and leave an hour later smiling and relaxed – I realised very early on the value of true financial planning.

    Like most of the team, I then had a spell at a large, money-focused (as opposed to client-focused), corporate IFA firm, and soon realised that this was not for me. I joined Capital because they set out to “make a positive difference, one family at a time”, rather than simply sell pensions and investments.

    Read more.

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