Broom Consultants Ltd

C E L E B R AT I N G 21 YEARS O F F I NA N C I A L S E RV I C E S

C O N S U LTA N T S LT D

I M AG I NAT I V E F I NA N C I A L A DV I C E Who are Broom Consultants Ltd? Broom Consultants Ltd was formed in 1992.

In 2000, as a result of our growth in stature and reputation, the decision was made to become a Limited Company.

We deliver imaginative financial solutions for your specific objectives, whether they are immediate or future.

Our highly trained and helpful staff utilise comprehensive research tools along with our paperless IT system to deliver efficient and reliable answers to individual, family and business financial questions.

As a company we offer a whole of market proposition and are directly regulated by the Financial Services Authority. This provides you with the knowledge that we are working within a regulated framework, giving you additional peace of mind.

We aim to work with our clients to meet their financial objectives both now and in the future.

OUR ADVICE FOR YOUR LIFE S ta rt i n g O u t Our team of professionals will help you formulate your financial plan. The key to your future lies in our guiding you forwards and maintaining this plan to suit your lifetime needs.

Fa m i ly L i f e With so much to consider during your family years, preparation and planning are vital. From family protection and education through to Will writing, we are here to help.

Retirement Let us help make your financial security and independence in retirement a reality.

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THE PROCESS Broom Consultants follow a structured process to ensure a thorough analysis of your financial affairs providing you with valuable advice.

STAGE 1 YOUR FINANCIAL ANALYSIS

STAGE 6

STAGE 2

ONGOING MONITORING AND REVIEW

MOVING AHEAD, ENGAGING YOUR ADVISER

The process takes just

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STAGE 5

simple stages

STAGE 3 ANALYSING AND EVALUATING YOUR SITUATION

IMPLEMENTATION AND CONFIRMATION

STAGE 4 REPORTS AND MEETINGS

Our initial discovery meeting explains our processes and

adviser, help you articulate your financial goals and discuss

compliance requirements. This will be entirely at our

your current arrangements. This meeting will establish

expense and with no obligation on your part to proceed

whether we can be of service to you. If we believe we can

further. We will listen to what you want from a professional

deliver real value for money, we will explain.

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STAGE 1

your financial analysis In an ideal world all your plans would seamlessly interlock to provide your very own bespoke strategy covering all aspects of financial services, Trusts and Estate Planning and tax efficiency.

Corporate

• Keyman • Sharehold er protecti on • Pensions/ NEST/SSA Ss • Protection /Trusts • Corporati on Tax • Employee benefits • Commerc ial mortga ges

y

c ien

fic Ef l

e

• Life ts e • Ass lth ess a • He cal Illn i t • Cri

ic dv la

a x a Ta rson rate ation r e • P rpo ne o ge • C terI• n

n

ctio

te Pro

What we CAN do for you Versus What you NEED

Estate Planning • Wills • Trusts • Power of Attorney • Gifts inter-vivos • Inheritance Tax

Pen

• Pe sion s rs • An onal & & R e nui • Se ties Corpo tirem lf-A rate ent • Inc dmi nist om ere eD • Th d ird Way rawdo Sche wn me s

us to do for you

M

• Re ortg • Bu side ages • Eq y-to- ntial • Co uity let R • Un mme elea sec rcia se ure l m ort d gag e

gs Savin & s t tmen osits Inves /cash dep king • Ban s • ISAs ent Bond m t s • Inve e Bonds hor • Offs sts/OEICs Tru • Unit

We need to help you determine your objectives, decide

From the multitude of options available from the whole of

what financial planning is necessary and explain how you

market, we will, together, tailor a plan unique to your own

will benefit from the services on offer.

needs and objectives.

Broom Consultants Ltd offers a full range of advice from the spectrum of options available.

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STAGE 2

moving ahead, enGaging your adviser Goal setting, data gathering and agreeing the costs for services.

what do you

perceived value to clients

value?

■ ■ ■

High Value Moderate Value Low Value

Understanding current value and worth Clear picture of current options available Future relationship strategy

Research activity, knowledge, qualifications Goal setting with clear, written strategies

Back office processes and support staff Compliance, regulatory updates, continued research

Our research shows that clients value the green elements of the process:• Proving a clear picture of current position, shortfalls and options • Meetings to establish client goals, needs and aspirations and current value • A process to review, monitor and provide ongoing advice

This is only part of the picture, as in order to get to these green tasks we need access to:• Experienced, professional & helpful staff

• Document Scanning, storage and retrieval

• Fully integrated back office systems

• Office premises, parking & home visits

• Professional Indemnity Insurance

• Valuations, monitoring & fund switching

& Investor Compensation arrangements

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• Regulatory & Legal requirements

STAGE 3

analysing and evaluating your situation Analysis of data we gather enables us to evaluate opportunities for making your resources work most effectively. As part of this process, our team examine all the implications when considering whether your existing arrangements represent an appropriate strategy.

Protection

Retirement

Estate Planning

Investments

Mortgages

At this stage we would have completed: Agreement of Fees, Terms & Conditions Fact-find completion & loading to bespoke systems Risk Assessment Questionnaire completed, analysed and agreed Regulatory Compliance Requirements for fully insured advice Analysis of Existing Plans & Investments & current investment strategy

✓ ✓ ✓ ✓ ✓

Our aim is to provide good value for the services you require and our costs will vary dependent of complexity of requirements.

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STAGE 4

reports and meetings Having completed the fact gathering and analysis stages of our advice process, we will meet with you to discuss our findings. The reasons for our recommendations and any actions you should consider as a result of our discussion. These strategies will be confirmed in writing, giving you a permanent record of the advice you received.

When identifying ways in which your arrangements could be better organised to achieve your stated goals, our recommendations will:• Be based on our impartial, expert opinion • Take account of your attitude to the relationship between risk and reward.

• Take account of agreed service levels

Our purpose is to help people discover their life goals and how to use their assets and resources to achieve those goals effectively, efficiently and most of all enjoyably!

We specialise in financial planning so you don’t have to.

We focus on what is important to your agenda.

We review your aims and needs to keep you on track for your future.

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STAGE 5

implementation and confirmation

If you decide to take action as a result of our recommendations, we can arrange all necessary steps to ensure your decisions are implemented thoroughly, accurately and in a timely fashion.

A great plan badly implemented can become a bad plan, so we will:• Deal with all necessary paperwork.

• Deal with changes to existing arrangements.

• Liaise with your other professional advisers.

• Keep you informed of our progress.

• Contact you when arrangements are completed to confirm what has been done and emphasise the documentation you need to retain.

• Assist in the claiming of tax reliefs and position your affairs to be tax efficient now and in the future.

• Explain how our on-going review service provides you with peace of mind.

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STAGE 6

ongoing monitoring and review Financial Planning is not a one-off event

• Annual Statement Of Holdings

• Annual Statement Of Holdings

• Valuations On Demand

• Valuations On Demand

• F und Switches, Text Alerts, Online Access to

• Fund Switches, Text Alerts, Online Access to

Wrap Platform (Wealth Management Clients)

Wrap Platform (Wealth Management Clients)

• General Admin Telephone & Email Support

• General Admin Telephone & Email Support • Monthly Newsletter • 6 Monthly Review Meeting • Review Objectives • Review Of Risk Profile • Review Of Budget And Tax Changes • Income/Expenditure Review And Planning

Transactional Service Level

Proactive Service Level

Dynamic Service Level

• Annual Statement Of Holdings

• Review Objectives

• Valuations On Demand

• Review Of Risk Profile

• Fund Switches, Text Alerts, Online Access to

• Review Of Budget And Tax Changes

Wrap Platform (Wealth Management Clients)

• Ongoing Access To Advisor

• General Admin Telephone & Email Support

• Dedicated Support Team

• Monthly Newsletter

• Detailed Tax Planning

• 6 Monthly Review Meeting

• Income/Expenditure Review And Planning • Capital Gains Ax Calculations & Paper Work

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CONGRATULATIONS you are now a client of broom consultants ltd!

To give you a clear vision of future strategy, we will agree the ongoing service levels required on the basis of “What do you need?�.

Here are a few of the things our clients have to say about the service they have received from Broom Consultants Ltd:

"We have been very satisfied with the manner in which Broom Consultants have handled our affairs. All our concerns and queries were ably sorted by staff more than qualified to help. With regard to our investments and inheritance tax matters, they

"I have never doubted the wisdom in having you at Broom Consultants as our financial advisers and you have again

proved it. Thank you!" Mr K

have been dealt with infinite patience and unstinting time and expertise." Mr KS

"Many thanks for your untiring help and assistance during the past few months." R&C

"We hold Broom Consultants in high regard and will use and always recommend in the future." Mr SC

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i m _ ag _ i _ n a _ t i v e ?

... adjective having or showing creativity or inventiveness.

Broom Consultants philosophy is to use their knowledge and to harness technology to provide the highest standards of service and advice to all clients. We have a team consisting of methodical strategists who ensure sound advice is always offered. Our team is further enhanced with people who think differently and have the ability to use this gift to truly provide bespoke imaginative advice.

Broom Consultants Ltd. Independent Financial Advisers Sterling Court 4 Gresham Road Brentwood Essex CM14 4HN T: 01277 202222 F: 01277 202233 E. broomifa@broomconsultants.com www.broomconsultants.com Registered in England No. 3920473