About Us

Empowering clients to confidently navigate life transitions through personalised Financial Planning.

We understand that your life transitions are entirely unique, and we're passionate about helping you discover and pursue your desired outcome by providing the right advice and solutions.

How is our service delivered?

Stage 1

Identify:

We have an Initial call, where you tell me about what you want to achieve and what you expect from your financial planner. We will explain what we will do and not do, and agree on terms of engagement, fees and expectations.
There is no charge at this stage as this is at our cost.

Stage 2

Discovery Meeting

We will substantiate your position by gathering information prior to our meeting, which will allow us then go into more detailed questions in our meeting. What's important to you about money? Discover where your life and financial goal intersect.

Stage 3

Planning Meeting

We develop a draft of your financial plan, which we will then work on together. This plan will then give you a view of if you will have too much or too little after considering your needs.
We will also take the opportunity to present our investment philosophy and ensure you are invested in the most appropriate portfolio to meet your objectives underpinned by your financial plan.

Stage 4

Implementation

This is where we put your plan into action by placing the financial products you need to achieve your financial objectives. We liaise directly with the providers on your behalf, and our team consistently monitors and updates you on the status.

Stage 5

45-Day Check-in

We appreciate some decisions create a lot of paperwork so we schedule a follow-up to help organise and file the agreed actions.

Stage 6

Ongoing Annual Review

We agree to meet and review your plan and ensure you are on track to meet your lifestyle objectives.

Ready to get on a call?

Call us on 0203 003 5161

Book a Meeting Online

What do we Charge?

Lifestyle Financial Planning - On instruction £1,495

Investment Fee - On acceptance of the recommendation - 1% of the funds

Mortgages - On instruction to gain our recommendation & processing - £995

Mortgages - On instruction to gain our recommendation & processing for credit-impaired or international - £1,495

Commercial Finance - On offer of a commercial finance loan up to 1.5% of the loan

Our Core Values

1. Realistic expectations: Set realistic goals and timelines for our clients, ensuring transparency and confidence.

2. Strategic approach: Our structured approach ensures that we think strategically, optimising client outcomes.

3. Unwavering integrity: We always do the right thing, upholding our values and acting in our client's best interests.

4. Trusted reputation: We value our reputation and work tirelessly to earn and maintain the trust and confidence of our clients.

5. Exceptional experience: Deliver an amazing experience, prioritising our client's needs and providing exceptional service.

Our Team

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Viral Patel

Financial Planner & Independant Financial Adviser

Charles Nairn

Independant Mortgage Broker

James Riches

Protection Specialist

Anne Keeton

Office Manager

Jyoti Gajjar

Investments Case Handlers

Laura Jones

Mortgage Case Handler

Our Senior Team

Mark Hobbs

Network Principle

Chris Nairn

Compliance Director

Alex Darlow

Investment & Pension Oversight

Latest Blog/News

How Our Three-Hat Approach Transformed Sarah’s Financial Future

Aug 24, 2024

Meet Sarah, a successful professional with a thriving career and a busy life in London. ...

How Cashflow Modelling Can Help You Share Your Wealth When It Matters Most

Aug 19, 2024

Let me tell you a story about Tom, a successful businessman who spent his life ...

Are you using all available tax allowances to avoid paying unnecessary tax?

Aug 19, 2024

Nobody likes to pay unnecessary taxes, but are you taking advantage of all available methods ...

How to Protect Your Wealth from Inflation and Achieve Financial Freedom

Aug 19, 2024

Imagine you’re at a dinner party. You’re catching up with old friends, and the conversation ...

Why you need to plot your lifestyle ambitions before deciding on the level of investment risk

Aug 3, 2024

During my career in financial planning, I have found that many investors take far more ...

Why a Financial Planner is Like Your Personal Trainer: Achieving Financial Fitness

Aug 2, 2024

Many of us recognise the immense value of a personal trainer in the fitness world. ...

Testimonials

Viral was amazing in explaining the legal aspects of my parents will and give a clear picture of various scenarios and how to deal with. His advice is very impartial and clear. I would definitely recommend him and his team for their services.

Kamlesh Lad

10:16 30 Sep 23

Have been using various services from custodia since 2010 and have never been disappointed. Highly recommend

Mustafa Cherawalla

10:53 10 Aug 23

The team at Custodia are absolutely brilliant, thoroughly professional in what they do from start to finish. I was fortunate to be introduced and can’t thank them enough for the service they provided in getting the mortgage approved within the allocated time. They kept us informed every step of the way and communicated effectively if they needed to submit more information to the lender. 5 star service from a 5 star team.

Kiri Tharan

23:03 10 Jun 23

Viral has been helping and supporting ALL my questions and he is always super kind, available and very reliable.

Laura Curina

16:40 16 Nov 22

Custodia recently completed my mortgage application, very professional and great service. Highly recommend if you require a mortgage.

Chaitan Joshi

20:03 06 Sep 22

I needed some help with a mortgage for my home. Viral guided me through the process along with simple forms. After he evaluated the same and my needs he compared the market and suggested the best deal for me. He organised the whole application process and the whole job was made very simple and efficient with regular follow up by him in the background. I would definitely recommend any of their services as they take the time to understand your needs and throughout the process they make sure you understand the pros and cons of the decisions you are making. I would always want him and Custodia by my side for any financial service and I have no hesitation in recommending him or his firm.

Atul Sangani

10:53 28 Jun 22

I highly recommend working with Custodia Financial Services. I instructed Viral Patel to help me and my husband remortgage as we were having trouble finding a mortgage adviser able or willing to help as our situation is quite complex. We were extremely lucky to be put into contact with him. Viral Patel and Laura Jones are highly professional, responsive, helpful in so many ways, honest and trustworthy. They are a delight to work with. I will definitely work with them again. Thank you.

Sarah Khaneboubi

04:45 01 Jun 22

We received fantastic support to get our mortgage sorted. Very quick responses, great advice and very thorough work. Super reliable and professional.

Anna Surace

08:28 30 May 22

I am a first-time buyer and chose to work with Viral Patel from Custodia Financial Services after a glowing recommendation from my parents. From our initial consultation phone call to moving forward with my mortgage application, Viral has been incredibly responsive, knowledgable and fast-moving. He has always been available to provide clarification or answer any questions, and has clearly had my best interests in mind with every step of the mortgage application process. I will forever be grateful to him and his colleague Laura Jones for streamlining what can be a lengthy and complicated experience. Would recommend!

Shayda Kashef

20:17 20 Jan 22

Great and fast service from Viral and the rest of the Custodia Financial Services team. Will definitely use them again.

Sanjay Vishram

12:12 07 Jan 22

By far the best financial services provider I have dealt with. Viral Patel and Laura Jones have been absolutely fantastic with helping me with my mortgage. They were extremely helpful from start to finish and responded immediately to every query and question I had. Getting a mortgage can be a very stressful experience but I feel I was working with the best. Both have been so amazing I would highly recommend them to all my friends and family. Thank you both so much! Thaira

Thaira Sheikh

17:04 06 Dec 21

I've been using custodia for my remortgages for the past 5 years, they have have been very professional and very quick to respond. I would highly recommend them to anyone who needs any financial services especially Viral who has been there from start to finish throughout the process.

Nitesh Varsani

16:50 17 Nov 21

Great service, professional and knowledgeable.

Ben Tippen

09:16 07 Oct 21

I would highly recommend the services of Viral and his team. Viral is extremely professional and knowledgeable. His support has been invaluable over the last few years from the beginning to the end of our re-mortgages. Despite all the questions we ask, Viral is always so friendly and patient. He is willing to go the extra mile to help us. Thank you so much for your patience and guidance, we couldn't have done our re-mortgages without you!

Usha

23:11 04 Oct 21

We have used Viral’s services for many years, the latest HMO, limited company, buy to let mortgage for our investment property purchase. Always provides a efficient and responsive service. Thank you so much.

29Bricks

20:42 04 Oct 21

Viral has been invaluable to us! He’s reliable, responsive and such a pleasure to work with. We trust him and the advice and service he provides is top notch. 100% recommend Custodia Estate Planning.

Diana Kim

12:17 16 Sep 21

I have dealt with Viral re a remortgage, and he has been excellent providing a first class service. Advice, support and execution have all been exactly as required. I would highly recommend.

Deesch Achal

22:47 21 Jul 21

The team at Custodia are the best at what they do. They are professional, manage your expectations and brilliant at communicating regularly. They exceeded my expectations!

Shan Shanthakumar

05:59 17 Jul 21

The company were diligent in the work they did and made the whole experience educational...

Norman Giscombe

15:30 16 Jul 21

Efficient good quality services. Viral and his team made sure to keep me updated where necessary and also responded quickly to any queries I had. I highly recommend using their services.

Chandni Patel

15:57 14 Jul 21

Viral Patel was extremely helpful with a mortgage matter. He found a great deal and guided me through the whole process. I highly recommend him.

Usman Sheikh

15:28 17 May 21

Excellent and professional service provided by Custodia Estate Planning and received amazing support from Viral Patel.

minaxi vishram

20:29 05 Apr 21

Custodia and Viral in particular are a great company to deal with. Extremely high level of technical knowledge across all of the financial advice spectrum. Highly recommended

Steve Mannakee

15:12 30 Mar 21

I have instructing Custodian for close to tow years for all my work and there is one word that best describes their service: "Excellent!" I have been very impressed with Viral Patel. he is an absolute pleasure to deal with, he is very attentive and has a can-do attitude. He provides first class service and will always reply to your emails, return your calls etc but above all he give very professional and objective advice. He takes great care to ensure that you are provided with the products that meet your needs. Highly recommended.

Mayur Patel

11:46 21 Mar 21

bgpostman

20:33 19 Mar 21

Been using these guys for years. Best mortgage deals on the market and great personal service. No one does it better!

Duncan Richardson

13:52 16 Dec 20

Looking for a bridging loan and I was put in contact with Viral and his team. They found a great deal which suited our requirements exactly.Very friendly, helpful, patient and most importantly knowledgable. Happy to recommend.

Simon Cooper

13:28 20 Nov 20

Nimit Patel

12:02 29 Oct 20

Custodia planning is an extremely professional and helpful company. Could not stress this anymore. I have used them for two properties and as stressful as it is they make your life a lot easier. Viral is extremely helpful and always willing to help anytime of day any question.

George Morton-Clark

07:10 07 Oct 20

I had a great experience with Custodia planning. Viral handled the case extremely well and got us the best deal for our needs. There were some specific needs in our case, Viral took everything into consideration and helped us choose the bank that would be more acommodating and had the best rate. They have already handled 2 cases for us and will certainly reach out to them again if needed.

Saulo Consalter

07:38 06 Oct 20

Excellent service by viral

rikesh patel (mncoachworks ltd)

14:32 26 Sep 20

Excellent service and very friendly responsive

Daxa Kalyan

20:57 22 Sep 20

Viral worked diligently to secure us a good mortgage during these trying times

Balbinder Jagpal

13:19 22 Sep 20

Viral provides a really high level of service and really takes the time to understand requirements before presenting a solution.It’s very reassuring to know that your needs are taken care off in the best way possible by someone that genuinely cares.Highly recommended!

Drijen Shah

13:22 18 Sep 20

Professional and responsive service and fantastic result! I couldn't recommend Custodia highly enough!

Jacob Figura

07:49 16 Sep 20

We have been working with Viral and Custodia for more than five years now. We have always received amazing support and service. They are our financial super heroes and always been there for us during the good times and the challenging ones and have never let us down. I highly recommend Custodia.

Davidene Harrington

11:18 09 Sep 20

Excellent service! I have only use CEP services for all my financial needs.

Rashik Vishram

06:24 12 Jan 20

Custodia planning are a God-send. They helped me tidy up my credit, secure an affordable mortgage, advised me on my will, life insurance. Recently they helped consolidate my debt (saving me 1000s!) Thank you Custodia!

Bonz H

20:07 16 Sep 19

Viral and the team at Custodia are excellent, I recommend them!

Richard Baggaley

16:25 07 Dec 18

The best ever mortgage services .

Sina Motesharei

14:09 14 Nov 18

I know Viral for 8 years in which he has advised me on financial transactions, insurance matters and made several mortgage applications all successful due to his experience and invaluable adviceViral and his team are professional, fantastic communicators and a pleasure to work withI would not contemplate making a financial decision without Viral’s adviceHighly recommendedAndiCovaci

MrAndicovaci

16:14 03 Nov 18

Great Service, Thanks Viral

Dai Rose

13:02 31 Aug 18

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