Business Details
Trusted Financial Advisers in Cheltenham Specialising in Evidence-Based Planning
Established as a leading financial planning firm, rock wealth combines evidence-based investing with transparent fixed fees to deliver tailored financial solutions. Our team of chartered financial planners prioritises client needs through a fiduciary duty, offering expertise in retirement planning, sustainable investing, and inheritance tax strategies. With 14+ UK offices and a commitment to long-term relationships, we focus on helping clients achieve financial security while maintaining full transparency in all our processes.Our innovative approach integrates academic research with practical application, ensuring clients benefit from cost-effective, data-driven investment strategies. Recognised for our client-first ethos, we operate without commissions, ensuring impartial advice aligned with individual financial goals.
Services
Financial Planning
Sustainable Investing
Retirement Planning
Inheritance Tax Planning
Pensions Advice
Not-for-profit Consulting
Highlights and features
- We offer 14+ financial planning offices across the UK with local expertise
- Our team consists of Chartered Financial Planners with evidence-based methodologies
- We provide transparent fixed fees with no hidden charges
- We operate under a strict fiduciary duty to prioritise client interests
- We combine academic research with practical financial planning experience
Associations and certifications
- Financial Conduct Authority
- Chartered Insurance Institute
What people say
Highly professional
Proactive approach
Secure in the fact
Pleasure to deal with
Professionals who understand
Services
Financial Planning
Our comprehensive financial planning service helps clients achieve long-term financial security through tailored strategies. We analyse your complete financial situation, create customised plans, and provide ongoing support to adapt to life changes. Our evidence-based approach ensures decisions are grounded in academic research while maintaining flexibility for individual circumstances.
Sustainable Investing
We specialise in creating sustainable investment portfolios that align with both financial objectives and personal values. Our approach combines rigorous analysis of environmental, social, and governance factors with proven investment strategies. Clients benefit from diversified, cost-effective solutions that deliver competitive returns while supporting positive societal impact through their investments.
Retirement Planning
Our retirement planning service focuses on creating secure financial futures through comprehensive pension analysis and strategic income planning. We help clients optimise their pension arrangements, navigate complex tax rules, and develop sustainable withdrawal strategies. The service includes detailed cashflow modelling to ensure financial security throughout retirement while maintaining flexibility for changing circumstances.
Inheritance Tax Planning
We provide specialist inheritance tax planning solutions to preserve wealth for future generations. Our approach combines legal and tax expertise with investment strategy to create effective estate plans. Services include lifetime gifting strategies, trust arrangements, and business property relief options, all designed to minimise tax liabilities while maintaining financial control and flexibility.
Pensions Advice
Our pension advice service helps clients make informed decisions about their retirement savings. We specialise in complex pension transfers, scheme comparisons, and consolidation strategies. The service includes detailed risk analysis, charges evaluation, and long-term projections to ensure clients maximise their retirement income potential while maintaining appropriate risk levels aligned with their personal circumstances.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning including retirement strategies, sustainable investing, inheritance tax planning, pension advice, and corporate financial solutions across our UK offices.
How are your fees structured?
We operate transparent fixed fees for all services, starting from £2,000 for initial financial planning with annual ongoing fees ranging from £1,850 to £7,500 based on complexity.
Are you regulated by any official body?
Yes, we are Authorised and Regulated by the Financial Conduct Authority under reference 610181 and hold Chartered Financial Planner status through the CII.
Do you offer online financial advice?
Yes, our rock wealth Online service provides the same high-quality advice through virtual meetings, accessible from anywhere in the UK with internet connectivity.
What investment approach do you use?
We employ evidence-based investing using low-cost index funds and systematic strategies proven through academic research, avoiding speculative active management approaches.
How do you ensure client interests come first?
We operate under a strict fiduciary duty, charging only client-paid fees with no commissions, and maintaining full transparency in all our recommendations and business practices.
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