Pensions

Do you understand the various pension schemes that you may currently have?

Are you concerned that you might not have enough money to enjoy a comfortable retirement?

Would you like to know when you can afford to retire?

Are you concerned about low annuity rates and what other options are available to you at retirement?

Retirement planning is undoubtedly one of the most common areas where we are approached to provide advice and guidance.

We help our clients by giving clear, straightforward advice on how they can achieve their life/retirement goals.

We provide help both in the years whilst saving for retirement which is essentially building a fund before retirement and at retirement, when an individual is and looking to draw an income from their retirement funds.

There are a wide variety of retirement plans available, for example, Personal Pensions, Stakeholder Pensions, Self-invested Personal Pensions, Occupational Final Salary Schemes, Occupational Money Purchase Schemes and small Self-administered Schemes. 

Our role is to advise on which is most appropriate and this may involve setting up a new plan, providing advice on existing plans or indeed a combination of both.

We firmly believe in starting with the end in mind, as by focusing on what retirement looks like, we can look to establish what this would cost and from this can work back to make a suitable recommendation. Importantly we can arrange to meet regularly as part of our ongoing review process to ensure that any plans arranged remain appropriate.

Financial Planning
Mortgage Services
Our Advisors
Lee Tomkins

Lee Tomkins

Independent Financial Adviser

Neil Rossiter

Neil Rossiter

Chartered Financial Planner

David Blair

David Blair

Independent Mortgage Adviser

Adrian Barratt

Adrian Barratt

Independent Financial Adviser

Simon Cutler

Simon Cutler

Independent Financial Adviser

Joanna Coull

Joanna Coull

Independent Financial Adviser

Our Support Team
Annette Ball

Annette Ball

Client Services Manager

Louise Wall

Louise Wall

Client Liaison Assistant

Emma Holley

Emma Holley

Client Liaison Assistant

Testimonials
Margaret, Taunton
The best thing about a visit to my financial advisor,Neil Rossiter, is the feeling that all my assets are in safe and capable hands and I don't need to worry about anything! My annual meeting was well organised, well informed and really assured me that my money was well looked after. No query was too simple and the computer software showed every scenario and projected into the future.  Neil spells everything out and explains the good and not so good possible outcomes. He listens and then offers clear and honest advice. I am so glad that I chose his company to manage my money allowing me to have confidence in my financial future.  
Avril, Devon
I am a pensioner and when I first saw Neil I was extremely worried about how to keep my savings safe but also have a good return from my investments, Neil was very kind and explained everything in detail to me for the best way to go forward with my money. I have now been with him for three years and my portfolio has grown and I feel confident with all the advice he has given and the investments that he has done for me, I know that if I have any worries I can contact him and he will always get back to me immediately, I now feel confident with my investments and all the advice that Neil has given me and I am enjoying my retirement. I am extremely satisfied with everything Neil has done.
William, Taunton
I was coming up to retirement and required advice on investments and savings for my future. He helped in providing full details on where to put my savings and investments for when I come to retire, and helped me in providing a proper household budget plan and to show me the best places to invest for my future. I have just retired and with the help Neil Rossiter has provided has given me peace of mind and a secure financial future.Everything was done to an excellent standard.
Richard, Somerset
Neil has helped me complete the due diligence associated with being the Power of Attorney for my relatives, and has in the course of the advice and subsequent action that I have taken, enabled me to expand my knowledge of financial products.  He clearly understood the circumstances that facilitated the introduction, and was very thorough in researching the current financial state and my needs as PoA representing the estates of my relatives, the commercial proposition was also very competitive. Throughout the process I anticipated that we would follow a certain route in respect of managing the fund available, however, he has helped me and guided me towards selecting the appropriate plan of action through the use of some very clear and simplistic financial modelling, thereby allowing the layman to clearly understand the risks and benefits associated with the various options that are open to manage a fund. His professional and friendly nature and his willingness to always be available to answer questions were very welcome when digesting the comprehensive financial plan that he prepared for me. This was my 1st commercial interaction with a financial advisor and I am relieved that through Neil's professionalism it was also a rewarding experience. As this was my 1st interaction with a Financial advisor, I am not sure that Neil could have done anything better, I am completely satisfied with the interaction, the result and the cost of the advice, and will certainly have no hesitation in using Neil in the future, as needs arise.
Angela Healy, Teignmouth
I have been a client of Neil at Blackdown Financial for some years now, following a recommendation from my son, who is also Neil's client. Neil and his team have always been very supportive and trustworthy and I particularly appreciate Neil's ability to explain matters clearly and calmly. The financial plans we have drawn up together have been invaluable – I retired earlier than I thought I could as a result of looking at my financial situation as a whole, rather than a series of products like pensions, investments etc.    
Graham, Somerset
Simon explained all the for's and against of investments plus the cost of administration/initial set up. Obtained an overall view of my risk element before recommending a product.  
Donna Noll
Simon, is so easy to talk with and he ensures you understand completely his suggestions to help you create more wealth! I bought my buy to let property without stress and i can honestly say that was down to Simons advice, help, support and knowledge. I could not recommend Simon highly enough
Nick Girone- Maddocks, Gibbins Richards Estate Agents, Wellington
Many thanks to David Blair and all at Blackdown Financial for their inventive and pro-active assistance in a recent tricky transaction. With David Blair the ball is kept FIRMLY in the air, Thank You!
Euan and Jane Barker, Wellington
“We have been clients of Blackdown Financial for over 20 years.  During that time we have found them always approachable and willing to take the time to understand our situation, viewpoint on risk and what we were looking to do for short, medium and long term financial planning.  They have then advised us on appropriate decisions and investments.  This advice always appears well considered and accurate, and we have generally followed it on that basis, almost always with good results (so far!). The feedback and ideas presented by Blackdown always have some relevance to our situation.  If we are uncomfortable with some or feel them too risky they have never pushed them hard at us so decisions on which direction/proposals to follow always feel well suited to us. At times some of the advice given by Blackdown is clearly not going to benefit them in the short-medium term which has led us to build a better level of trust in them.   We hope to continue using Blackdown over the next 10-15 years as we continue to plan towards retirement.“
Katie, Taunton
My husband and I were looking for a help to buy mortgage so we could buy our first home. David talked us through all options available to us, including some we hadn't thought of. He helped to explain the house buying and mortgage process and was very quick and thorough in answering any questions we had. We felt confident in his recommendations and advice and believe the process was smooth and stress free because of this. We would not hesitate to recommend him and will be back again when we come to remortgage. We have been in our home for 8 months and are very happy.
Latest Articles
Neil Rossiter
9 August 2017
General News

Simplicity, Consistency & Listening

Below are three examples of the benefits of an on-going financial planning relationship. Simplicity In today’s modern world of ever increasing choice my experience is many of us crave simplicity. Have you ever been to a restaurant and the menu is so long that you can’t decide or once you order regret you did not order something else. With a much smaller menu you can make you...

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Neil Rossiter
20 July 2017
Pensions

Changes to the State Pension

This week we received the news that for six million people the age at which the State Pension can be drawn has increased by a year. The change will affect those born between 06/04/1970 and 05/04/1978 with the Government saying the new rules would save the taxpayer £74bn by 2045/46 (Source: BBC Website 19.07.2017). With  increasing life expectancy this change whilst disappointing t...

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Lands End to John O'Groats
Neil Rossiter
28 June 2017
General News

Lands End to John O'Groats

On the 10th of September 2017 I will be embarking on an epic journey with fellow members of Taunton Round Table on behalf of Children's Hospice South West and other local charities. Over a 10 day period we will cover over 900 miles cycling from Land's End to John O'Groats. Any financial support you can give will be greatly appreciated to help the Hospice/the other charities and t...

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Neil Rossiter
21 June 2017
Investments

What do motorways and investments have in common?

At Blackdown Financial our investment portfolios are comprised of three asset classes - cash, bonds and equities (we use real estate investment trusts for property exposure). These can be likened to the lanes of a motorway, with cash as the slow lane, bonds the middle lane and equities the fast lane. If we were driving on a long journey from say Taunton to Scotland it is probable we would us...

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