When people think of financial advice, they often picture investments and pensions. While these are important, the real value of what we do goes far beyond this.
At Blackdown Financial, our ongoing service is built around three key roles – Planner, Adviser and Coach.
1. The Planner – clarity and reassurance
As planners, we help clients define what matters to them most and build a financial plan to support their lifestyle and goals. Life changes constantly — from family and career shifts to economic events and legislation. Our role is to ensure your plan adapts automatically, giving you reassurance that you remain on track. This benefit cannot be measured in pounds and pence, but it provides peace of mind and clarity about your future.
2. The Adviser – technical expertise
As Independent Financial Advisers, we ensure that pensions, investments, and other financial arrangements remain appropriate for your needs. Independence means we are not restricted to a limited panel of solutions — we can recommend from the whole market. Our role is to review your portfolio regularly to make sure it continues to support your plan in the most effective way.
3. The Coach – protecting you from emotional decisions
Money is emotional. Neuroscience tells us we make decisions with our emotional brain and justify them with logic afterwards. This can lead to poor financial decisions — like selling investments during a downturn or chasing hot tips. As your financial coach, we act as a circuit breaker between emotion and action, helping you stay disciplined and aligned with your long-term goals.
More than the sum of the parts
Each role adds value in its own right, but together they create something greater: clarity about your future, appropriate financial strategies, and protection against costly mistakes. We believe this combination delivers value well in excess of our ongoing fees.
At Blackdown Financial, we do not just manage money — we help our clients live with freedom, confidence, and peace of mind.
N.B. The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated. The Financial Conduct Authority (FCA)
