Independent financial advisers in the Cotswolds
Build and protect your wealth with personalised advice across the Cotswolds.
Fixed fees. Evidence-based investing. Financial planning for Cirencester, Stow-on-the-Wold, Bourton-on-the-Water, Moreton-in-Marsh and surrounding Cotswold villages.
Cotswold families are moving to evidence-based investment management.
"After 20+ years in finance, I know the best advice starts with your life goals. I help Cotswolds families make clearer, calmer financial decisions with evidence-based planning."
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 from Cotswolds financial advice
Not sure where to start? Meet our team and let's have a conversation about what's on your mind in the Cotswolds.
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.
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Plan for the life you want in the Cotswolds
rockwealth helps Cotswold families and business owners build long-term financial security with evidence-based investing, fair fixed fees, and personal advice.
Specialist 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 the Cotswolds.
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 with confidence, supporting family, or creating long-term financial security. We then build a joined-up strategy across investments, pensions, tax efficiency, and estate planning.
We believe in transparent, fixed fees rather than percentage-based charges that grow with your wealth. You know exactly what you'll pay from the outset. We offer a free initial consultation so you can understand what support you need before making any commitment.
Yes. Retirement and pensions are a core part of what we do. We help clients across the Cotswolds model retirement cashflow, consolidate pensions where appropriate, and build tax-efficient withdrawal strategies designed to support the lifestyle you want.
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. Our team combines this expertise with an evidence-based approach grounded in decades of academic research.
Book a free, no-obligation discovery call. We'll discuss your current position, priorities, and what a practical plan could look like. We work with clients across Cheltenham and the Cotswolds, including Cirencester, Stow-on-the-Wold, Bourton-on-the-Water, Moreton-in-Marsh and surrounding villages.
Still have questions? We're here to help.
