Sustainability Statement & Roadmap May 2023

Quality Pentests & Code Audits

Sustainability Statement

Custodia Financial Services is a trading style of Custodia Estate Planning Limited, owned and run by Viral Patel and has been trading since 2012. Custodia has innovative and forward-thinking approach has won them a reputation as one of the best financial planning providers. Custodia’s wealth management services focus on life-centred financial planning. Viral and the team operate from the Harrow Business Centre, where they have rented a flexible office space managed by Bradcode Ltd since 2019. The office space is equipped with the latest technology, is stylishly decorated to produce a productive work environment, provides secure access, and is maintained to a high standard with an EPC rating of A+ and many environmental considerations for the working environment.

Custodia’s services range from life-centred services, such as planning for retirement, buying your first house, income protection, school fees planning, moving house, upsizing or downsizing & Inheritance planning. Custodia’s process includes a telephone call to identify a detailed outline of needs and wants from the client, including levels of risk and budgets. Then a discovery meeting with clients allows Custodia to substantiate the needs of the client and to gather information about the client’s life and financial goals intersect. This information is used in the planning meeting with the client to deliver a financial plan to work on together and meet objectives and agree on financial products and objectives. Once agreed upon, Custodia will work to implement the plan, liaise with financial providers, and continuously monitor the status of investments and plan until set up. Regular check-in meetings and updates follow to ensure continuity of service.

Custodia always seeks inspiration and new ways of working, including new technology and sustainable options, sharing ideas with the wider community and industry contacts, regularly attending networking events, and always learning. Conducting regular reviews on sourcing solutions that care for the planet when procuring. services and running our rented office space is crucial to providing an all-around sustainable service and continually improving sustainability practices that reduce impacts on the environment.

Custodia supports the Teenage Cancer Trust by raising money from its annual charity walk that the office members and other Harrow Business Centre office members take part in collectively.

The Financial Conduct Authority, which is one of the regulators of the financial industry and Custodia is a member, provides training and support and has been selected to support the New Leaf Foundation “Streets of Success’ programme that helps purchase vital equipment for hospitals and supports the homeless in various cities throughout the UK.

Custodia subscribes and abides by several laws and regulations for its clients' protection, confidentiality and security.

Custodia has embarked on its sustainability journey and has worked with Auxilium Business Consulting Ltd to audit its environmental impacts. We are committed to being seen as providing “sustainable investments, services and solutions, today and for the future”, always learning, challenging what we do and how and why we do it. Custodia will continue its sustainability journey and regularly update its activities and impacts in the four pillars of environment, community, workplace, and philanthropy to help build a greener planet.

Viral Patel - Founder
Custodia Financial Services
25th May 2023

Sustainability Roadmap

Along with Custodia’s sustainability statement above, this policy/roadmap sets out ways in which it has already made impacts and plans to in the future. This policy/roadmap includes up-to-date information on their contributions and impacts on the environment, workplace, community, and charitable & social enterprises, which Custodia is also committed to maintaining and implementing.

Our strategies include the following

  • Reducing Carbon Footprint via energy-efficient practices in our operations, waste reduction, and proper disposal.
  • Promoting sustainable sourcing of materials and products from suppliers that have their sustainable credentials in place and together promoting, communicating, and encouraging others.
  • Engaging with Stakeholders, including future employees, freelancers, contractors, customers, and suppliers, to raise awareness of sustainable practices.
  • Continuously monitoring and evaluating our performance in relation to our sustainability goals and targets and reporting on any changes, adjustments and additions needed.

Custodia is committed to minimizing the impact of its activities on the environment and accepts these responsibilities as part of its business strategy. There is a constant need to consider ways in which energy is conserved and waste is reduced in everything we do.

The ‘why’ around commitment

The owner Viral Patel believes that having a vision and starting on the journey of being a socially responsible and legally compliant business is vital. It helps safeguard society and the planet for future generations and focuses on the sustainable activities it employs.

Through its sustainable actions, processes, and procedures, Custodia is more efficient, productive, and resilient to future challenges, making a positive impact for:

  • The environment on which we all depend,
  • The workplace and the people we employ, our clients, the supply chain and stakeholders,
  • The communities where we operate; and
  • Our philanthropic agenda.

This sustainability policy/roadmap reflects Custodia’s impacts to date to build a greener planet.

  • What it has already done and what is in progress.
  • What is planned?
  • And, if applicable areas that cannot be implemented.

What Custodia Financial Services has done/is doing

Custodia Financial Services is run and owned by Viral Patel from an office in the Harrow Business Centre in Harrow Middlesex, owned and managed by Bradcode Ltd Commercial Property Management.

Many of the sustainable procedures within the office have been led and introduced by Bradcode Ltd but have always been upheld by all the employees of Custodia as part of working in the Harrow Business Centre.

The key points of Bradcode’s strategy are;

  • To minimise waste by evaluating operations and ensuring they are as efficient as possible.
  • To minimise toxic emissions by selecting and using its fleet and the source of its power requirement.
  • To actively promote recycling both internally and amongst its customers and suppliers.
  • Source and promote a product range to minimise the environmental impact of both production and distribution.
  • Meet or exceed all the environmental legislation that relates to the Company.
  • Use an accredited program to offset the greenhouse gas emissions generated by our activities.

Custodia Financial Services

What Custodia is planning to do?

Every small business can make incremental and sustainable impacts, no matter how small. All these impacts will build up over time, and the journey is always a ‘work in progress’ with additional implementations made over time. No one can do everything straight away, but having a plan and monitoring the implementation of these impacts their metrics and building on them provides a framework and baseline from which to measure, build evidence and incorporate into business policies and procedures and make desired changes that support the planet.

These are some areas that Bradcode Ltd is considering/planning to implement for the office building and space that Custodia rents.

  • Phasing the replacement of LED bulbs throughout the rest of the building.
  • Phasing the replacement of electrical equipment used on the premises with products of maximum energy efficiency ratings.
  • Switch to 100% renewable energy tariffs for electricity.
  • Phasing the replacement of non-renewable heating sources (oil, gas-fired systems)
  • Invest in electric car charging points.
  • Review retrofit options for the office building (e.g. glazing, & roof insulation)

In addition, here are some areas that Custodia is considering/planning to implement for its own business;

  • Vet & ask future suppliers & Stakeholders for their sustainable products and services, processes, and policies - What actions are they taking, and what measures do they have to reduce emissions? Do they
  • Get involved with more charities and donate time and money where possible. ( Review annual budget to donate to causes.)
  • Sign up to an Ecologi membership to plant trees.
  • Use Ecosia as the default search engine (the search engine that plants trees for a better planet with every search)
  • Collate and collect data and examples on an ongoing basis to evidence Custodia’s impacts.
  • Research additional sustainable groups and forums to join the financial industry to help promote sustainable sourcing, services, and events.
  • Tell Custodia’s clients about its efforts to date towards sustainability (being transparent about activities and encouraging others to do the same)
  • Consider adding information to the Custodia website outlining all the sustainable impacts it makes to communicate and educate clients as to why they are making design decisions and approaches and encourage them to do the same.
  • Support more local green events and initiatives to promote sustainable sourcing for the financial industry.
  • Prioritise local businesses for procurement services (cross-promote services)
  • Consider using a low-carbon emissions car in the future, i.e., a Hybrid.
  • Consider expanding community activities via sponsorship, pro bono work, and donations.
  • Offer preferential rates to small local charities.

Custodia is committed to reducing its environmental footprint and promoting sustainable practices in all aspects of its business. This includes providing adequate resources to measure and minimise its impacts and go beyond to leave a positive legacy.

Custodia will carry out the necessary actions to communicate its vision and goals internally and externally to its clients, supply chain and customers to achieve its targets and goals for sustainability.

This policy roadmap sets out Custodia’s progress and activities to date, and this document will be reviewed and updated annually or sooner if required.

Viral Patel - Founder
Custodia Financial Services
25th May 2023

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
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
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
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
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
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
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
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
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
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
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
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
Nitesh Varsani
16:50 17 Nov 21
Great service, professional and knowledgeable.
Ben Tippen
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
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
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
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
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
Shan Shanthakumar
05:59 17 Jul 21
The company were diligent in the work they did and made the whole experience educational...
Norman Giscombe
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
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
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
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
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
Mayur Patel
11:46 21 Mar 21
bgpostman
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
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
Simon Cooper
13:28 20 Nov 20
Nimit Patel
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
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
Saulo Consalter
07:38 06 Oct 20
Excellent service by viral
rikesh patel (mncoachworks ltd)
rikesh patel (mncoachworks ltd)
14:32 26 Sep 20
Excellent service and very friendly responsive
Daxa Kalyan
Daxa Kalyan
20:57 22 Sep 20
Viral worked diligently to secure us a good mortgage during these trying times
Balbinder Jagpal
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
Drijen Shah
13:22 18 Sep 20
Professional and responsive service and fantastic result! I couldn't recommend Custodia highly enough!
Jacob Figura
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
Davidene Harrington
11:18 09 Sep 20
Excellent service! I have only use CEP services for all my financial needs.
Rashik Vishram
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
Bonz H
20:07 16 Sep 19
Viral and the team at Custodia are excellent, I recommend them!
Richard Baggaley
Richard Baggaley
16:25 07 Dec 18
The best ever mortgage services .
Sina Motesharei
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
MrAndicovaci
16:14 03 Nov 18
Great Service, Thanks Viral
Dai Rose
Dai Rose
13:02 31 Aug 18
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