Your journey begins with us getting to know you
We understand that wealth is the ability to fully enjoy life and that true wealth is not so much about money as our life’s experiences, contribution and values.
Financial planning sits at the core of everything we do for our clients. It’s what links them to where they want to be, from where they currently are.
Financial planning sits at the core of everything we do for our clients. It’s what links them to where they want to be, from where they currently are.
It’s all about getting clarity on what is truly important to you
During this stage we really get to know you; work through your complex financials and find the vision you have for your life.
We will work through some structured planning exercises with you including your personal details, family, career, income, expenditure, savings, investments, pensions, personal insurance and employee benefits.
We explain this perfectly via our bucket analogy...
We will work through some structured planning exercises with you including your personal details, family, career, income, expenditure, savings, investments, pensions, personal insurance and employee benefits.
We explain this perfectly via our bucket analogy...
£
The first meeting is always held at our cost and with no obligation.
You decide if you want to take it any further.
You decide if you want to take it any further.
Preparation of your ‘Financial Masterplan’
We provide answers to your personal finance questions with clear strategies for keeping on top of everything.
We use the latest technology to prepare your forecast and model different What if scenarios to bring to life all the options available to you. Using the detailed information we have for you we will recommend appropriate tax strategies for you both in accumulation and decumulation phases of your life.
All our advice and recommendations will always be impartial and based on your situation after thorough research and analysis, to establish the best possible options for you
We use the latest technology to prepare your forecast and model different What if scenarios to bring to life all the options available to you. Using the detailed information we have for you we will recommend appropriate tax strategies for you both in accumulation and decumulation phases of your life.
All our advice and recommendations will always be impartial and based on your situation after thorough research and analysis, to establish the best possible options for you
Income, Expenditure
& Questions
& Questions
We will look at income and expenditure both for your current situation and for the future.
Net Worth
& Forecasting
& Forecasting
We will calculate your net worth by looking at your assets and your liabilities.
Risk
Profiling
Profiling
We determine your tolerance to risk using behavioural psychology and subtle questioning.
All our advice and recommendations will be impartial and based on your particular situation.
£
We will quote you a fixed fee to prepare your ‘Financial MasterPlan’. This will start from £2,000 depending on the complexity of your situation.
We will put this in writing to you before you commit to an action.
The best possible options for you
Should you choose to instruct us to implement your Financial Masterplan we will undergo in-depth and thorough research and analysis to establish the best possible options for you.
We will provide written confirmation of any specific recommendation we make and we will process the paperwork and manage the project to completion on your behalf.
Where investments are concerned we will utilise our Investment Process – a systematic approach to investing that is based on academic research and state of the art technology. We will always take into account the information contained in your financial plan.
We will provide written confirmation of any specific recommendation we make and we will process the paperwork and manage the project to completion on your behalf.
Where investments are concerned we will utilise our Investment Process – a systematic approach to investing that is based on academic research and state of the art technology. We will always take into account the information contained in your financial plan.
£
We charge fixed fees regardless of how much you invest and we will confirm this to you before we implement.
Learn why fixed fees will save you money via wathcing the video below
iThe fee can either be paid directly by yourself or facilitated via Wrap platform or provider.
Becoming a rockwealth financial planning client
We believe that financial planning is a dynamic process and in order to meet your goals you need ongoing coaching and support. It's not something that you can do once and forget about.
Working together over the long term ensures that your plan stays on track and we are able to adjust your plan to meet the changing circumstances of your life and legislation.
Once you become a client you will receive the following:
Working together over the long term ensures that your plan stays on track and we are able to adjust your plan to meet the changing circumstances of your life and legislation.
Once you become a client you will receive the following:
Annual Review Meeting
We’ll discuss any changes to your circumstances that would affect your plan and make adjustments accordingly as well as revisiting your life planning, financial forecasting and existing situation in detail.
Face-to-Face & Online Access
You will be able to access your adviser for advice and coaching throughout the year and access 24/7 via our secure portal. However, we will be proactive with you if we feel there is something new you need to know or do.
£
For ongoing coaching and planning — we divide our clients into three price bands.
How much you pay each year within those bands depends on a combination of value added, complexity and time.
How much you pay each year within those bands depends on a combination of value added, complexity and time.
Wealth accumulators
Those in retirement
High-net-worth individuals with complex finances
£1850-£5000
£3000-£7500
£7500+
For those with smaller portfolios, percentage fees can work out cheaper. If that applies in your case, you will have that option.
But the vast majority of our clients will be better off with fixed fees.
But the vast majority of our clients will be better off with fixed fees.
Introducing our pioneering new service rockwealth online
There will always be those who prefer to meet their financial adviser in person. But what if you live far away from the nearest rockwealth office? Or perhaps you simply prefer the convenience of working with us from the comfort of your own home?
Either way, our pioneering new service rockwealth Online is for you. The process and the level of service are exactly the same as they are for all of our clients, and you’ll still have all the benefits of meeting us face-to-face.
Wherever you are in the UK, access to world-class, evidence-based financial planning is only a click away.
Either way, our pioneering new service rockwealth Online is for you. The process and the level of service are exactly the same as they are for all of our clients, and you’ll still have all the benefits of meeting us face-to-face.
Wherever you are in the UK, access to world-class, evidence-based financial planning is only a click away.
Good financial planning isn’t about money
It’s about fulfilment – helping our clients to lead happier, richer, purposeful lives.