Professional Capital

What Professional Capital does

Professional Capital is a privately held, FCA-authorised (FRN 417765) wealth management and financial advisory firm headquartered in Birmingham, United Kingdom. Founded by George Kapositas and operating since 1994, the firm serves a deliberately small base of private clients (high-net-worth individuals and families) and corporate clients (company directors and businesses), delivering holistic financial planning across the accumulation, distribution, and preservation phases of wealth. Service lines include private client financial planning, corporate financial planning (SSAS, group pensions, keyman protection, business succession), retirement planning, investment planning, estate and inheritance tax planning, cash management, and final salary (defined benefit) pension transfer advisory under the Pension Transfer Gold Standard.

The firm's technology layer is built around three integrated client-facing web portals: a Personal Finance Portal (PFP) for 24/7 portfolio visibility with Open Banking integration, an AES-256 encrypted Client Data Capture Portal (CashCalc-backed) for secure fact-finding, and a Cash Management Portal (DepositSense-powered) that refreshes savings rates every 30 minutes and optimises FSCS-protected deposits. These portals sit alongside third-party meeting infrastructure (GoToMeeting) rather than any proprietary AI or analytics engine.

Revenue is generated on a fee-only basis through two structures — fixed fees for discrete engagements and a percentage of assets under management for ongoing advisory — with the first consultation offered free. Go-to-market is consultative and referral-driven, supplemented by an extensive content library of guides and educational videos. The firm has no external institutional ownership, no funding history, and no disclosed revenue; its scale commentary consistently emphasises a small client base and high-touch personalised service over volume growth.

Name

Professional Capital

Legal name

Professional Capital Ltd

Website

https://professionalcapital.co.uk

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Professional Capital is a Birmingham-based, FCA-authorised wealth management and financial advisory firm serving a small base of UK private and corporate clients with holistic planning, retirement, investment, and pension transfer services delivered through integrated client portals and fee-only advisory.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Wealth management
• Financial planning
• Investment advisory
• Retirement planning
• Estate planning

Headquarters

HQ city

Birmingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Financial Planning and Advisory Fees: Professional Capital charges fees through two primary structures: fixed fees for specific work undertaken, and percentage of assets under management (AUM). The firm provides comprehensive financial planning services, portfolio planning and investment advisory, retirement services, and estate planning under these all-inclusive structures. Ongoing monitoring and evaluation services are available based on a percentage of assets.
2. Initial Consultation Revenue: The first consultation is provided free of charge to establish whether and how the firm can add value to a prospective client's life.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Professional Capital provides comprehensive, fee-based financial planning and wealth management services to a small number of UK private clients, company directors, and businesses. Core services include retirement planning, investment portfolio construction, estate and inheritance tax planning, cash management, corporate financial planning (SSAS, group pensions, auto-enrolment), and ongoing plan monitoring, supported by three proprietary client portals (PFP Portal, Data Capture Portal, Cash Management Portal) and delivered via face-to-face, video, and telephone consultations.

Product overview

Professional Capital is a wealth management and financial advisory firm offering a comprehensive suite of financial planning services through both digital client portals and personalized advisory. The core digital offering consists of three integrated web-based portals: the Personal Finance Portal (PFP) for 24/7 financial overview and secure messaging, the Client Data Capture Portal for data collection, and the Cash Management Portal for optimizing savings. These are supported by advisory services spanning private client financial planning, corporate client planning, retirement planning, investment planning, estate planning, cash management, and ongoing planning. The firm also specializes in final salary pension transfer advisory under the Pension Transfer Gold Standard. Services are provided on a fee-based model (fixed fee or percentage of assets) and are delivered through personalized consultations (face-to-face, video, or telephone).

Differentiator

Problem solved

Functional benefit

Products and services

• Private Clients Financial Planning Comprehensive financial planning service for high-net-worth private clients covering accumulation, distribution, and preservation of assets, including investment portfolio construction, offshore planning, trustee investments, retirement planning (SIPP, SSAS, income drawdown), tax and trust planning, and personal finance.
• Corporate Clients Financial Planning Business financial planning services for company directors and executives including SSAS, group pensions (GIPP, stakeholder plans), workplace pensions, auto-enrolment, group risk schemes, keyman/shareholder protection, business succession planning, and group private medical insurance.
• Retirement Planning Pre-retirement and post-retirement planning services including retirement plan analysis, timing of distributions, tax efficiency, income projections, cash flow analysis, portfolio rebalancing, sustainable withdrawal rates, and customized investment strategies.
• Investment Planning Comprehensive portfolio approach for investment and retirement needs including asset allocation, manager selection, diversification across equities, bonds and other asset classes, using statistical tools for potential outcome analysis.
• Estate Planning Wealth protection and estate planning services including bloodline planning, business succession, care fee planning, powers of attorney, wills, and trust structures to protect assets from divorce settlements, creditors, and inheritance tax.
• Cash Management Cash portfolio management service including portfolio construction, account administration, automated monitoring, and rate management to maximise savings returns while ensuring FSCS protection.
• Ongoing Planning Ongoing advisory service including annual financial plan updates, detailed reporting, investment process education, asset allocation monitoring, trustee administration, probate services, will and trust document storage, and newsletter distribution.
• Final Salary Pension Transfer Advisory Specialised advisory service for defined benefit (final salary) pension transfers, operating under the Pension Transfer Gold Standard with 9 principles, including transfer value analysis, risk assessment (longevity, sequence of returns, volatility, inflation), and suitability evaluation.
• Personal Finance Portal (PFP) Secure, online client portal enabling 24/7 access to financial information, fund and portfolio details, valuations, progress against investment goals, secure messaging, and document storage, with Open Banking integration for linking bank accounts. Available on desktop, laptop, tablet, and mobile.
• Client Data Capture Portal Secure encrypted digital portal (powered by CashCalc software) for communicating and sharing important client financial information for financial planning. Data is stored encrypted using AES-256, and clients can update their information remotely when circumstances change.
• Cash Management Portal Client platform (powered by DepositSense) enabling clients to identify best value from cash deposits, build bespoke portfolios of fixed-rate accounts, ensure FSCS protection, produce financial strength reports on banks and building societies, and manage maturing savings accounts. Reviews savings accounts every 30 minutes.

Quantifiable outcome

• Clients working with professional advisers can end up with 3-6 times the value of assets compared to self-management

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Active Mortgage ServicesminorChannel Partner/ Reseller/ DistributorProfessional Capital acts as an introducer to Active Mortgage Services for mortgage business. The firm does not charge a fee for mortgage introductions. Active Mortgage Services is authorised and regulated by the Financial Conduct Authority.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Brown Shipley: UK private wealth manager and private bank offering investment management, financial planning, retirement, and estate services to HNW individuals, families, and entrepreneurs. Closely comparable to Professional Capital's full-service wealth planning offer.
• Saunderson House: UK independent wealth manager focused on HNW private clients and company directors, with discretionary portfolio management, retirement, and estate planning — directly comparable to Professional Capital's boutique advisory model.
• Seven Investment Management (7IM): UK wealth manager offering discretionary portfolio management, retirement planning, and investment advisory to private clients and intermediaries. Comparable in client focus and fee model, though larger and platform-enabled.
• Charles Stanley: UK wealth manager providing discretionary and advisory investment management, financial planning, and retirement services to private clients. Comparable services and HNW/private client focus.

Emerging players

• Succession Wealth: UK consolidator acquiring IFA and wealth advisory firms to build a scaled advice business. Directly relevant as a likely acquirer-type peer and as a comparable scaled version of the Professional Capital model.

Broad incumbents

• Arbuthnot Latham: UK private bank offering wealth planning, investment management, and lending to HNW individuals, families, and business owners. Comparable HNW client focus and integrated wealth planning proposition.
• Rathbones Group: Established UK wealth manager offering discretionary investment management, financial planning, and trust services. Larger and broader, but overlapping HNW private client proposition.
• St. James's Place: Largest UK wealth manager, operating a partner-adviser model with investment, retirement, and estate planning. Represents the scaled incumbent that boutique IFAs like Professional Capital compete against for HNW market share.
• Tilney (now part of Evelyn Partners): UK wealth manager offering investment management, financial planning, and retirement services to private clients. Comparable service mix though larger and more institutionally backed.
• Evelyn Partners: UK wealth management and professional services firm combining investment management, financial planning, and tax/estate advisory. Comparable full-service model at significantly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/professional-capital-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Professional Capital