Business Details
41 Years
experience
Trusted Financial Advisers in Northwood Hills
Capital Financial Services has been a trusted presence in financial planning for over 40 years, serving individuals and families from our office in Northwood Hills. Our team brings together over 100 years of combined expertise, specialising in later-life financial planning and holding accreditations from the Society of Later Life Advisers (SOLLA), the Equity Release Council, and The London Institute of Banking & Finance. We prioritise tailored, client-focused advice, combining technical knowledge with a warm, human approach to deliver bespoke solutions.Our reputation is built on transparency, ethical standards, and a commitment to helping clients navigate complex financial decisions with clarity and care. The majority of our work comes from referrals, reflecting our dedication to putting clients first and providing unbiased, personalised guidance at every life stage.
Services
Equity Release
Inheritance Tax Planning
Retirement Planning
Mortgages
Family Protection
Savings and Investment
Business Protection
Long-Term Care Planning
Taxation Wills and Trusts
Details
- Year established: 1985
Highlights and features
- We have over 40 years of experience in later-life financial planning.
- Our team holds accreditations from SOLLA and the Equity Release Council.
- We offer transparent fee structures with clear breakdowns of charges.
- Our client-centric approach prioritises tailored, ethical advice.
- We provide independent guidance across a wide range of financial products.
Associations and certifications
- Society of Later Life Advisers (SOLLA)
- Equity Release Council
- The London Institute of Banking & Finance
What people say
So helpful
Excellent service
Highly recommend
Knowledgeable and prompt
Complex cases handled well
Services
Equity Release
Equity Release allows homeowners to unlock value tied to their property for retirement income, major expenses, or family support. We guide clients through options like lifetime mortgages and home reversion plans, ensuring informed decisions aligned with long-term goals. Our advice prioritises protecting estates while enhancing financial freedom for later life.
Inheritance Tax Planning
We help clients reduce inheritance tax liabilities through strategies like trusts, gifting, and life insurance. Our tailored solutions ensure wealth is passed to loved ones efficiently, minimising tax burdens. We focus on structuring estates to preserve legacies while complying with evolving tax regulations.
Retirement Planning
Our retirement planning services create bespoke strategies for pensions, tax-efficient income, and long-term financial security. We assist clients in building retirement pots, managing withdrawals, and adapting plans to changing circumstances. The goal is to ensure confidence and stability during retirement years.
Family Protection
Family Protection includes whole-of-life and term assurance policies to secure financial futures. We offer Key Person Insurance and Business Loan Protection to safeguard against income loss or debts. Our solutions ensure families and businesses remain financially stable during unforeseen events.
Mortgages
We provide independent mortgage advice for first-time buyers, remortgaging, or property portfolio expansion. By working with multiple lenders, we find competitive deals tailored to individual circumstances. Our guidance covers application processes, affordability assessments, and long-term repayment strategies.
People
Colin Baldock
Principal
With a career spanning over 40 years, Colin specialises in later-life financial planning, including equity release and estate management. He founded Capital Financial Services in 1985, focusing on sound, personal advice. A keen sailor, he values clarity and perspective in both finance and life.
Tracey James
Development Manager
Tracey has over 25 years in financial services, specialising in compliance and business development. She ensures clients stay informed about legislative changes affecting their plans. Outside work, she enjoys long walks, gym sessions, and riverside relaxation.
Natasha Barber
Client Support
Natasha brings years of experience in client support and mortgage processing, ensuring smooth application journeys. She excels in life protection and client communication. Outside work, she supports her son's football activities and enjoys family time with her dog.
Questions
What areas of financial planning do you specialise in?
We specialise in later-life planning, including equity release, inheritance tax, retirement, mortgages, family protection, and long-term care strategies.
Are you accredited by industry bodies?
Yes, we are accredited by SOLLA, the Equity Release Council, and The London Institute of Banking & Finance.
How do you tailor financial advice to individual needs?
We conduct personal financial reviews to understand goals, concerns, and aspirations before creating bespoke plans aligned with client priorities.
What fee structures do you offer?
Clients can choose between fee-based or commission-based structures, with clear breakdowns of all charges provided upfront.
Can you assist with complex financial cases?
Yes, we handle complex cases involving estate planning, business protection, and multi-generational wealth transfer with expertise.
How do I schedule an initial consultation?
Contact us via phone or our website to arrange a review at a time and location that suits you.
