Fixed-fee financial
planning in Cheltenham
At rockwealth, we charge transparent fixed fees - not percentages of your wealth. No hidden costs, no commissions, no surprises.
How our fees work
Clear pricing at every stage
Our process is divided into clear stages, each with a transparent fixed fee agreed before any work begins.
Initial Discovery
This meeting is at our cost. We take time to get to know you, understand your goals, and determine whether we can add genuine value to your financial life.
Research & Recommendation
We prepare a comprehensive report detailing our research and recommendations. This includes a full analysis of your situation and a clear action plan tailored to your goals.
Policy & Implementation
We handle all the paperwork and liaison with providers - setting up new accounts, arranging existing pensions, and putting your plan into action.
Ongoing service fees
For ongoing coaching and planning, we divide our clients into three price bands based on value added, complexity and time.
For those with smaller portfolios, percentage fees can work out cheaper. If that applies in your case, you will have that option.
We have been very impressed with the professionalism and personal approach. The team took time to understand our specific situation and provided clear, honest advice. The fixed-fee model means we always know where we stand.
See the savings for yourself
Watch how fixed fees can save you tens of thousands compared to traditional percentage-based models.
Why fixed fees work better
No surprises
Know exactly what you'll pay before we start. Your fee is agreed upfront and won't change.
Aligned interests
We're paid for advice quality, not asset growth. Our recommendations are never influenced by commission.
Save significantly
Most clients save tens of thousands compared to percentage fees over their lifetime.
Fair for everyone
Whether your portfolio is £200k or £2m, you pay for the service delivered - not a percentage of your wealth.
Fixed fees vs percentage fees
See how our approach differs from traditional percentage-based advisers
What our clients say
Frequently asked questions about our fees
Why do you charge fixed fees instead of percentages?
We believe financial advice should be priced based on the work involved and value delivered, not the size of your investments. Percentage fees punish success - the more your investments grow, the more you pay, even though the work required stays the same.
What happens at the free initial discovery meeting?
We take time to get to know you, understand your goals, and determine whether we can add genuine value to your financial life. There is no obligation and no pressure - this meeting is at our cost.
How much can I save with fixed fees?
A typical client with £500,000 invested paying 1% annually would pay £5,000 per year - £50,000 over a decade. Our fixed fees often represent a fraction of this, potentially saving you £30,000-£50,000 or more over time.
When might percentage fees work out cheaper?
For smaller portfolios (typically under £150,000), percentage fees may work out cheaper. We'll always be upfront about this and offer you the option if it applies to your situation.
What determines which ongoing price band I fall into?
Your ongoing service fee depends on a combination of value added, complexity of your situation, and time required. We'll discuss this transparently and agree your fee before any work begins.
Are there any hidden costs?
No. We are completely transparent about our fees. The fee we agree with you is the fee you pay. We receive no commissions from product providers and have no hidden charges.
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.
