Custodis Financial Planning Limited trading as Custodis Financial Planning is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 622457.
Registered in England & Wales, Company Number 8968594 . Registered Office address: Attika, Bath Brewery, Toll Bridge Road, Bath , BA1 7D. Trading address: Custodis Financial Planning Ltd, 58 Romney Road, North Petherton, Somerset, TA6 6WQ. Telephone: 01934 611562
© 2018 Custodis Financial Planning Limited trading as Custodis Financial Planning |
Planning for a secure future, whether for yourself, your family or your business is one of the most important steps you will ever take.
The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.
YOU are the focus of our business: You, your life, your family, your future.
At Custodis Financial Planning with over 25 years experience, we provide friendly, personalised Independent Financial Advice by working closely with our clients to help secure the future they are looking for.
‘My personal mission is to ensure that I bring honesty, passion and commitment into my work. I very much enjoy what I do, and am grateful that this is the way I get to make my living’.
With over 25 years experience in business operations Michelle is an invaluable member of the Custodis team. She brings a wealth of senior management experience across a broad range of business sectors including recruitment, marketing and advertising in the City of London and more recently in the South West.
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.
There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.
Pensions are, of course, designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.
– referred to as the State Second Pension (S2P) but before 6 April 2002, it was known as the State Earnings Related Pension Scheme (SERPS). From 6 April 2002, S2P was reformed to provide a more generous additional State Pension for low and moderate earners, carers and people with a long term illness or disability and is based upon earnings on which standard rate Class 1 National Insurance contributions are paid or treated as having been paid. Additional State Pension is not available in respect of self employed income. From April 2016 both the basic rate pension and additional state pension will be combined to offer a simple single tier flat rate pension. **
– these are also Money Purchase schemes and are open to everyone and especially useful if you are self-employed, your employer doesn’t yet run a company scheme or just for topping up existing arrangements. From October 2012, the Government introduced reforms and all employers have to offer their employees, who meet certain criteria, automatic enrolment into a workplace pension. Employers can use the Government backed scheme, National Employment Savings Trust (NEST), or offer an alternative ‘Qualifying’ work place pension scheme such as a Group Personal Pension, providing it ‘ticks’ certain boxes. The process is being phased in between 2012 and 2018 depending on the head count of a firm. Employers are required to contribute a minimum of 3% of salary with Employees making a personal contribution of 4% with tax relief of 1% added on top, which again, is being phased in gradually.
are now a vast array of different products that may be used at retirement to provide benefits from the traditional form of annuity that provides a regular income stream to Flexi-access Drawdown which enables lump sums of benefits to be taken either as a one off payment or over a given number of years. Given the complexity and choice all individuals now have, it is important to seek independent financial advice before making any decisions.