Financial Advisers in Cheltenham
Your wealth. Your life.
Finally aligned.
Fixed fees. Evidence-based investing. A plan built around what actually matters to you.
Smarter clients are moving to evidence-based investment management.
"Traditional financial advice focuses on products. We focus on your life - your goals, your values, and the future you want to build. That's the foundation of our evidence-based approach."
Average savings on fees
Years of academic research behind our investment approach
Clients would recommend us to friends and family
Choose clarity
with fixed fees
Transparent pricing from £2,000 for your Financial MasterPlan. No percentages, no hidden costs - just fair, fixed fees that align our interests with yours.
Everything you need for financial clarity
Not sure where to start? Meet our team and let's have a conversation about what's on your mind.
Financial Planning
See your entire financial picture in one place. We analyse your assets, income, spending, and goals to create a clear path forward.
Learn moreInvestment Management
Our approach is grounded in 60+ years of academic research. Low-cost, globally diversified portfolios that work.
Learn moreRetirement Planning
Get clarity on your retirement date, income needs, and how to make your money last. No more guesswork.
Learn moreSpecialist advice for complex financial needs
Know exactly when you can retire and how to make your money last. We create detailed projections, optimise your pension drawdown strategy, and ensure you can enjoy retirement with confidence.
Retirement Planning
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Navigate the complexity of pensions with confidence. From consolidation and reviews to drawdown strategies, we help you maximise your retirement income and make informed decisions.
Pension Advice
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Pass on wealth efficiently to those you love. We create tailored inheritance tax strategies, set up trusts, and ensure your legacy is protected for future generations.
Inheritance Tax Planning
Learn moreStop guessing. Start compounding.
Leave stock-tips to the headlines. We build portfolios on peer-reviewed research, global diversification, and the power of compound growth.
Global diversification
Exposure to 10,000+ companies across developed and emerging markets. Your success isn't tied to any single stock, sector, or country.
Low-cost implementation
We use Index Funds with charges typically between 0.1 - 0.3%, not the high charges incurred with active managers. More of your money stays invested.
Rules-based rebalancing
Systematic rebalancing removes emotion from investing. We buy low and sell high automatically, not based on headlines.
Responsible overlay
Optional ESG screening available. Align your investments with your values without sacrificing expected returns.
The rockwealth shift-straight from our clients
Hear how rockwealth is helping families across Gloucestershire take control.
"The rockwealth team has looked after my financial investments for many years, firstly advising on saving strategies during working life and then on through to creating a successful, personal retirement portfolio. For sound, honest and realistic advice then look no further, rockwealth is a credit to their profession and comes highly recommended."
"Tim and the team at rockwealth have been looking after our financial affairs for several years now. They made some changes to what we were doing previously and they're doing an amazing job and we can relax knowing that our finances are being taken care of thoughtfully and professionally. They are really proactive and always looking for the best ways to make maximum returns from our assets."
"The world of pensions and investments is a minefield and one which we shied away from for too long. Matt managed to make the very complicated and confusing topic actually really easy to understand. We have no hesitation in recommending rockwealth and we feel secure in the fact that we have professionals looking after our hard earned cash who are able to talk to us and encourage us to think about life and what we want to get out of it."
"We have been clients of rockwealth for a number of years now. The rockwealth team has been instrumental in shaping our savings and investment portfolio, including guiding us through making the biggest investment decision we're ever likely to make in respect of our pensions. The team always takes time to clearly explain options available. We've always found rockwealth to be a pleasure to deal with and expect our relationship to last for years to come."
Insights from our team
From practical guides to market commentary - stay informed about what matters for your financial future.
Common questions about financial advice
Everything you need to know about working with a financial planner in Cheltenham.
A financial adviser helps you make sense of your money and plan for the future. At rockwealth, we start by understanding your life goals - whether that's retiring early, funding your children's education, or simply having peace of mind about your finances. We then create a comprehensive plan covering investments, pensions, tax efficiency, and protection, all tailored to your situation. Based in Cheltenham, Gloucestershire, we focus on giving you clarity and confidence about your financial future.
We believe in transparent, fixed fees rather than percentage-based charges that grow with your wealth. Our fixed-fee approach means you know exactly what you'll pay, and it's often significantly less than the industry standard of 1% per year. For a £500,000 portfolio, this could save you over £80,000 in fees over 20 years. We offer a free initial consultation so you can understand exactly what's involved before making any commitment.
Many people successfully manage their own finances, but an adviser can add significant value in several ways: avoiding costly mistakes during market volatility, optimising your tax position through inheritance tax planning, ensuring you're on track for retirement, and providing peace of mind. Research consistently shows that advised clients achieve better outcomes - not just financially, but in terms of confidence and reduced stress about money. See what our clients say in our client reviews.
Our advisers hold Chartered Financial Planner status, Fellow of the Personal Finance Society (FPFS), and Trust and Estate Practitioner (TEP) qualifications from the Chartered Insurance Institute and STEP, demonstrating the highest level of professional qualifications and commitment to ongoing development. Our team combines this expertise with our evidence-based approach grounded in 60+ years of academic research.
Getting started is simple. Book a free, no-obligation discovery call with one of our advisers. During this 30-minute conversation, we'll listen to your situation, understand what's on your mind, and explain how we might help. We serve clients across Cheltenham and the Cotswolds, including Charlton Kings, Leckhampton, Prestbury, and Cirencester. There's no pressure and no jargon - just an honest conversation about your financial planning needs.
Still have questions? We're here to help.
Start with clarity, scale with confidence
rockwealth helps families across Gloucestershire build financial security - with evidence-based investing, fair fixed fees, and advice that puts your life first.
