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Custodia Financial Services

Working with clients to consolidate multiple pensions and taking control by implementing a structured personal financial plan | Pensions | Pension Sharing Order | financial coaching | 1% annual fee

27/08/2026

"I don't think I need a financial adviser."

An architect said that to me. And honestly, they might be right.

If your finances are simple, you may not.

But most architects I meet are not simple.

- Scattered pensions from five old practices.
- A business with profit sitting idle.
- A mortgage they are not sure whether to overpay.
- No protection. No will. No power of attorney.
- A partner who would inherit nothing if the worst happened.

That is not a simple financial life.

That is complicated, managed on gut feel.

You do not need an adviser to sell you a product.

You need someone to look at the full picture.

Help you see what is working and what is not.

That is what I do.

Planning first. Products only if they are needed.

P.S. When did you last see your full financial picture on one page?

26/08/2026

My architect client had £100k sitting in the practice.

How I moved it from the taxman to her future:

- She had been taking salary and dividends for years.
- She’d been paying £50k+ in tax each year.
- Nobody had ever mentioned employer pension contributions.

This is what we did:

- Her company made a £60,000 pension contribution.
- That reduced her corporation tax bill.
- No National Insurance was due on it.
- The real cost to the business was closer to £44,000.
- The other £16,000 was tax she would have paid anyway.

This is the kind of thing I look at with every practice owner.

Not after year-end. Before it.

Because the best tax planning happens in advance, not in hindsight.

P.S. Own a practice and still taking salary and dividends only? DM me TAX.

25/08/2026

"I feel like my finances are all over the place."

An architect said that to me last month. Word for word.

He earned well. Owned a share of the practice.

Had pensions from three old firms.
An ISA he had not looked at in years.
Protection he set up a decade ago.
Outstanding mortgage.

Nothing was connected. Nothing was reviewed.

He did not need more products.

He needed someone to sit down and ask one question first:

What does the life you actually want look like?

That is where I always start.

Not with products, but with life.

Once we understood what mattered to him,
I could see which parts of his finances supported it
and which parts were just noise.

One conversation. One page. The fog started to lift.

P.S. If your finances feel scattered, it usually means nobody has asked you the right question yet.

24/08/2026

The biggest money problem I see with architects?

Brilliant with buildings.
Left in the dark about money.

- You trained for seven years to design and build.
- Nobody taught you pensions, tax, or protection.
- So it gets put off. Not through laziness. Through fog.
- Meanwhile, pots scatter and allowances go unused.
- It is not a knowledge failing. Nobody taught you.

Once I explain it plainly, the financial fog lifts fast.

P.S. Architects, were you ever actually taught this stuff? I bet not.

21/08/2026

How to retire on your terms as an architect.

Even with a late-peaking income:

1️⃣ Define the life you want. Cost it per year.
2️⃣ Find every pension you already have.
3️⃣ Make the most of your high-earning years.
4️⃣ If you own a practice, extract profit tax efficiently.
5️⃣ Do not rely on selling the practice.

👉🏽 Do these and 'one day' becomes a date.

P.S. The earlier you start, the easier it gets.

20/08/2026

6 months ago, an architect told me they felt behind.
Now they know exactly when they can stop working.

Here is what changed:

- Good income, no plan, scattered pots.
- We got everything onto one page.
- Consolidated 3 old pensions with high charges.
- Set up protection they never had.
- Agreed on a clear goal and a plan to reach it.

Same income. Completely different feeling.

They went from "I have no idea where I stand"
to "I can see the finish line."

Nothing about their earnings changed.

What changed was the clarity.

P.S. Feel behind despite doing well? DM me PLAN.

19/08/2026

If you cannot picture the year you will stop working
as an architect, you do not have a retirement plan.

You have hope.

Most architects never put a number on it.
"I will keep going for a while" is not a plan.
Late-peaking pay makes the timing tricky.

Here is how to turn the hope into a date:

- Cost the life you want in retirement. Per year.
- Add up everything you already have. Pensions, ISAs, property.
- Model the gap between the two.
- If there is a gap, you have a target to aim for.
- If there is no gap, you stop worrying.

That is the difference between hoping and planning.

One keeps you awake. The other lets you sleep.

P.S. Pick the year. Then build the plan to reach it.

18/08/2026

3 small changes that could add £10,000’s to an architect's retirement. None of them involves earning more:

1️⃣ Find and review your old practice pensions.

👉🏽 Call each old provider and ask for the current value and charges.
👉🏽 Most architects I work with have pots they have not checked in years.
👉🏽 Some are paying over 1% in fees and do not even know it.

2️⃣ If you own the practice, let the company pay into your pension.

👉🏽 Employer pension contributions reduce your corporation tax bill.
👉🏽 You also avoid income tax and national insurance on the amount.
👉🏽 Ask your accountant how much your company could contribute this year.

3️⃣ Use your ISA allowance before it resets each April.

👉🏽 You get £20,000 a year. Anything that grows inside it is tax-free, for life.
👉🏽 You do not need to invest it all at once.
👉🏽 Even a regular monthly amount compounds over 10 or 20 years.

Small moves. Big difference over time.

No pay rise needed.

P.S. Which of these could you do this month?

17/08/2026

How an architect can get their finances clear in 5 steps. The exact process I use:

1. List what you own and owe. One page.
2. Track down every old practice pension.
3. Check your protection. No employer sick pay if you run the practice.
4. Ask yourself: Am I paying more tax than I need to?
5. Name the one financial goal that actually matters to you right now.

That is not a financial plan. But it is the foundation of one.

Clarity first. Confidence follows.

P.S. Start with step one today. It takes 20 minutes.

14/08/2026

Most architects I speak to feel the same thing.
They have trained for years, but their money still feels behind.

Here is why planning matters:

Pay tends to peak later than in other professions.
That compresses the window to build real wealth.
So the earlier you start, the more it counts.

Three things I focus on with every architect client:

1. Get a clear view of what you actually have today.
2. Bring together old pensions scattered across past practices.
3. Use your pension allowances fully, especially while earning well.

You do not need to earn more to be in a better position.

You need a plan that fits how your career actually works.

P.S. If your money feels foggy despite a good career, that is exactly what I help architects sort out.

Address

Harrow Business Centre, 429-433 Pinner Road
Harrow
HA14HN

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.custodiafs.co.uk/

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