Yes, Broom Consultants provides independent financial advice, which means our advisers are not tied to any single provider. This allows us to recommend solutions that are suited to your needs, objectives and circumstances.

Yes, Broom Consultants is authorised and regulated by the Financial Conduct Authority. This means we must meet the standards expected of regulated firms and provide financial advice in a professional, compliant way.

Yes, you can meet with us in person or by video call, depending on what works best for you. Where possible, we can also accommodate meetings at clients’ homes where necessary. You can use our Contact Us page to get in touch and arrange a suitable appointment.

Face-to-face meetings are usually held at our office in Brentwood. We can also arrange virtual meetings through Teams or Zoom, or a home visit where necessary. Our Contact Us page includes office details and directions.

Yes, parking is available at our office. Please let us know when arranging your meeting if you need parking, so we can reserve a space for you. You can find our office address and arrival details on our Contact Us page.

Broom Consultants has been providing financial advice for more than 36 years. The firm was established by John Broom in 1992 and has continued to support clients with a broad range of financial planning needs. You can read more about our story on the About Us page.

We are based on Gresham Road in Brentwood, Essex, a short walk from Brentwood train station. While many of our clients are in Essex and the surrounding areas, we also work with clients across the UK.

Yes, you can read our reviews on VouchedFor and Google, which will give you an independent insight into the experience clients have with us.

There is very little we cannot help with, and where something falls outside our scope, we have built partnerships with trusted professionals who can support you. We are independent, employee-owned, and focused on building long-term relationships with clients who value personal, joined-up advice. You can read more on our What Sets Us Apart page.

Our Financial Conduct Authority registration number is 424217. You can use this number to check our details on the Financial Services Register website.

We work with clients across Essex, Greater London, Kent and the South-East, as well as clients elsewhere in the UK. Key areas include Brentwood (our headquarters), Chelmsford, Billericay, Shenfield, Basildon, Wickford, Southend-on-Sea, Rayleigh, Colchester, Maldon, Epping, Harlow, London, Romford, Hornchurch, Upminster, Ilford, Chingford, Dartford, Sevenoaks and Maidstone.

Yes, we advise on mortgages. Whether you’re buying your first home, moving house, remortgaging, purchasing a buy-to-let, or looking to raise capital, we can help identify suitable mortgage solutions based on your circumstances and objectives. You can explore our wider advice areas on Your Needs page.

Yes, we can advise on equity release. We will consider your circumstances and objectives before explaining whether it may be suitable for you.

Yes, we advise on personal pensions. Whether you are starting to save for retirement, reviewing existing pensions, consolidating arrangements or approaching retirement, we can help you make informed decisions.

>Yes, we can advise on some occupational pensions as part of your wider financial planning. However, if your occupational pension is a defined benefit pension, Broom cannot provide advice on this, although we can still consider it alongside your other pensions, investments and long-term objectives when building your financial plan.

Yes, we can help you review and, where appropriate, consolidate multiple pensions. Consolidation can make pensions easier to manage, reduce paperwork and give you a clearer view of your retirement savings, but it is not always the right solution, so we will assess your existing arrangements before making any recommendation.

Yes, we can help you take pension benefits in a tax-efficient way. The right approach could involve tax-free cash, flexi-access drawdown, an annuity or lump sum withdrawals, depending on your circumstances, objectives and overall financial position.

Yes, we can help if you would like to incorporate ethical, responsible or sustainable investment principles into your portfolio. We will discuss your preferences and consider them as part of your wider financial plan.

Yes, we can help you make informed decisions about investing an inheritance. Before making recommendations, we will take time to understand your circumstances, objectives and timescales, so any investment decisions support your wider financial goals.

Yes, we can advise on self-invested personal pensions (SIPPs). A SIPP can offer greater flexibility and a wider range of investment options than many traditional pensions, but it is not suitable for everyone and should be considered as part of your overall retirement strategy.

We do not provide final salary or defined benefit transfer advice directly. However, we have trusted firms we can refer you to, and we can continue to support your wider financial planning before and after any specialist transfer advice.

We do not currently provide long-term care or later-life planning advice directly, although we do hope to add this area of advice very soon. In the meantime, if this type of advice is needed, we can refer you to a suitable specialist who can help.

Yes, we can help with Inheritance Tax planning as part of your wider financial plan. We do not provide wills and estate planning services directly, but we work with a trusted firm, Countryside South-East, where specialist support is needed.

Yes, we can advise on a range of investment solutions, including Individual Savings Accounts (ISAs). ISAs can provide a tax-efficient way to save and invest, helping you build wealth while benefiting from favourable tax treatment.

Yes, we can advise on a wide range of protection solutions designed to help safeguard you, your family and your financial plans. Protection planning can help provide financial security if unexpected events affect your health, income or ability to support your family. You can explore our wider advice areas on Your Needs page.

Yes, we offer a free initial consultation. This meeting is an opportunity for us to get to know each other, understand your circumstances and objectives, and discuss how we may be able to help. It is also an opportunity for you to ask questions about our services and decide whether we are the right adviser for you. There is no obligation to proceed following the initial consultation. If you decide you would like us to provide advice, we will clearly explain any costs before any chargeable work begins.

Our charges depend on the type and complexity of the work we undertake for you. Before providing advice, we will explain our fees clearly and provide a personalised fee agreement, so you understand what you will pay and the services you will receive.

Depending on the work involved, our charges may be based on:

• A fixed fee
• An hourly rate
• A percentage of assets under advice
• An ongoing service fee for regular reviews and support.

We believe in being transparent about our charges and will always discuss fees with you before any commitment is made. Full details of our charges are available within our Client Agreement and Terms of Business. You can also find more information on Our Fees page.

Our minimum fee depends on the type of work and services being provided. For most new advice and implementation cases, the minimum fee is typically £1,000, although a reduced minimum fee of £750 may apply for certain investment solutions such as structured products.

The cost of a financial plan depends on the complexity of your situation and the services required. During the initial meeting, which is at our expense, we will understand your objectives and outline any fees before you make any commitment.

Our fee structure depends on your advice needs and financial goals. We may charge a fixed fee, a percentage of the assets we manage or a combination of both, and this will be discussed clearly before you decide whether to proceed.

We may receive commission on certain products, such as insurance policies, where it is built into the product cost. We will always disclose any commission received and make sure you understand how we are paid.

No, we do not charge VAT on our services. We will explain all agreed fees before any chargeable work begins.

We believe it is important to consider the value of the advice and service you receive, not fees alone. Our charges reflect the expertise, personalised advice, financial planning and ongoing support we provide, and we explain them transparently from the outset.

Financial advisers use a variety of charging structures, which can make direct comparisons difficult. We aim to provide transparent and competitive fees that reflect the quality of our advice, service and ongoing support, so you can compare both cost and value before making a decision.

Our fees are outlined in our Client Agreement and Terms of Business, which we will provide before any chargeable work begins. We will also discuss our charges with you during your initial consultation and explain exactly what services are included. You can also read more about this on Our Fees page.

The Financial Services Compensation Scheme may provide protection if an authorised financial services firm is unable to meet claims against it. The level of protection available depends on the type of product, provider and circumstances involved. We will be happy to explain the protection applicable to any recommendations we make.

We are committed to providing a high standard of service. If you are dissatisfied with any aspect of our service, we encourage you to contact us so we can investigate and try to resolve the matter promptly. If needed, you may also be able to refer your complaint to the Financial Ombudsman Service who will be able to advise you further.

Protecting your personal information is extremely important to us. We use secure systems, processes and technology to help safeguard your data and comply with applicable data protection regulations. Our Privacy Policy provides further information.

Yes, as a regulated financial advice firm, we maintain Professional Indemnity Insurance as required by the Financial Conduct Authority. This forms part of the regulatory protections designed to support clients and regulated firms.

You can verify our regulatory status by searching the Financial Services Register. Details of our authorisation, permissions and regulatory information are available there, and we are happy to provide our FCA details on request.

Yes, we have a selection of client stories and examples that show you how we have helped clients work towards their financial goals.

Client satisfaction is extremely important to us. We regularly seek feedback through reviews, testimonials, referrals and client surveys, helping us maintain a high level of service and identify opportunities to improve.

We recently received Top Rated Firm status with VouchedFor and won the Client Trust Award at the Client Experience Awards 2026. We were also highly commended for Client Care and Client Impact. You can read more about these awards on our About Us page.

Yes, we are featured on VouchedFor, where clients can leave independent reviews about their experience of working with us. Visiting VouchedFor allows you to read genuine client feedback and learn more about the service we provide.

Yes, we can help you assess whether early retirement is achievable and what steps may be needed to get there. Using cashflow forecasting and detailed financial planning, we can model different retirement dates and show how they may affect your long-term financial security.

Yes, retirement planning is one of the core areas of advice we provide. We can help you understand how much you may need, when you may be able to retire and how best to use your pensions, investments and other assets to support your desired lifestyle.

We work with a wide range of individuals, families and business owners who want professional financial advice and long-term financial planning. Our clients are at different stages of life, from building wealth and planning ahead to approaching retirement or managing finances in later life.

Yes, we work with many clients in the early and middle stages of their financial journey. Whether you want to invest, plan for retirement, buy a home, protect your family or create long-term financial security, we can help you build a clear plan.

Yes, we work with company directors and self-employed clients. We can help you consider your personal and business finances together, including pensions, investments, protection, retirement planning and wider financial goals. You can read more about how we support business owners on the Your Needs page.

Yes, many of our clients are approaching retirement or already retired. We help them make informed decisions about pensions, investments, income and estate planning, so their financial arrangements continue to support their lifestyle and objectives.

Yes, we can help you make informed decisions after receiving an inheritance. Whether you want to invest, save, reduce debt, support family members or plan for the future, we can help you develop a strategy that fits your wider goals.

Yes, we can help business owners navigate the financial planning opportunities and challenges that arise before and after the sale of a business. This may include investment planning, retirement planning, tax-efficient strategies, estate planning and creating a long-term plan for life after the sale.

Yes, we understand that dealing with financial matters after losing a loved one can be difficult. We can provide practical support and guidance, helping you organise your finances, review pensions and investments and make informed decisions at a pace that feels comfortable.

We work with a diverse range of clients, including business owners, professionals, individuals approaching retirement, retirees and families. While we do not limit our services to one group, we have extensive experience helping clients make complex financial decisions at different life stages.

We can only provide financial advice to individuals who are resident in the UK. If you are a UK resident with overseas assets or financial arrangements, we can discuss these as part of your wider financial planning where appropriate.

Yes, many clients come to us with existing investments, pensions and other financial arrangements. We can review your current plans, assess whether they remain suitable and explain how they fit within your wider financial plan.

No, we do not have a fixed minimum level of assets or income required to become a client. We focus on whether we believe we can add value through our advice and whether our services are appropriate for your needs and objectives.

You can book an initial meeting by calling 01277 202 222, emailing broomifa@broomconsultants.com or visiting our office in Brentwood. We will arrange a time that works for you, whether you would prefer to meet in person or by video call. You can also contact us through our Contact Us page.

No, your first meeting is at our expense. It gives us the chance to understand your objectives and explain how we may be able to support you before you decide whether to move forward. You can read more about our approach on Our Fees page.

It is helpful to bring identification, proof of address and details of your finances, such as pension, investment, mortgage or savings information. Please do not worry if you do not have everything, as the main aim is to understand your goals and how we can help.

In the first meeting, we will discuss your objectives and financial goals, then gather the details we need to understand how we may be able to help. We will also explain who Broom Consultants are, the services we provide and, where possible, introduce you to the team who will support you if you choose to work with us. You can learn more about our process on the How It Works page.

You should usually allow around 60 to 90 minutes for your initial meeting. This gives us enough time to understand your circumstances, talk through your objectives and explain how we can support you.

No, there is no obligation to sign up at the initial meeting. The purpose is to understand your needs, explain how we can help and outline any fees, so you can decide in your own time whether we are the right advisers for you.

Yes, we have female advisers within the team, including Leah Williams and a female trainee adviser. If you would prefer to work with a female adviser, please let us know when arranging your meeting. You can also meet the wider team on Our Team page.

If your financial adviser is away, another experienced member of the team will be available to support you. We aim to provide a seamless service, so you always have someone who can answer your questions and help with any queries.

How often we contact you for review meetings depends on the service level you choose. Your adviser or their paraplanner will also be available to answer questions and queries between scheduled reviews. You can read more about the service levels on Our Fees page.

Yes, we offer cashflow planning as part of our service. We see it as a valuable way to understand how your current financial position, future changes and long-term objectives could work together, particularly when planning for retirement.

Life rarely stands still, and changes in your personal circumstances can affect your financial plans. If something changes, we recommend getting in touch so we can review whether your plans remain suitable.

Yes, we regularly work with accountants, solicitors and other professional advisers. With your permission, this collaborative approach helps us provide joined-up advice that supports your wider plans.

Yes, with your permission, we can liaise with your mortgage adviser and other professional contacts where it is relevant to your financial planning. Broom also has its own mortgage team, so you can access joined-up support in-house if you would prefer your financial planning and mortgage advice to be coordinated through the same firm.

If your adviser leaves Broom Consultants, you will continue to receive support and advice from our experienced team. We keep detailed records of your circumstances, objectives and financial plans to help ensure a smooth transition to another adviser, with continued support from the paraplanning team.

During the initial meeting, we can explain how we put together a plan based on your objectives, circumstances and financial goals. We will also outline how our advice process works, so you understand what to expect before deciding whether to proceed.

Many of the providers we use offer online accounts where you can view your plans. Access and valuation information will depend on the provider connected to your portfolio.

We use a personal finance portal called the Client Zone where you can view your personal information, make changes, view plans, upload documents and message us securely. Please note that the information displayed depends on the providers connected to your portfolio and how frequently they update valuation data, so some valuations may not be real-time and could be subject to delays.

How often you meet with your adviser depends on the service level you choose. Your adviser or their paraplanner will also be available to answer questions and queries outside your scheduled review meetings.