Business Details
Award-Winning Financial Planning Experts
We are a chartered financial planning firm driven by evidence-based investing and fair fixed fees. Our approach prioritises long-term client relationships, tailored advice, and transparent communication. With a UK-wide network of independent financial planners, we specialise in helping clients with over 500,000 in investable assets achieve fulfilling lives through strategic financial planning. Our team adheres to a fiduciary standard, ensuring client interests always come first. We operate without commissions, focusing solely on fee-only advice aligned with individual goals. Our evidence-based investment philosophy leverages low-cost index funds, saving clients up to 80,000 annually in fees.We provide comprehensive services including retirement planning, inheritance tax strategies, and pension advice. Our commitment to education is demonstrated through documentaries like 'Investing: The Evidence' and accessible client resources. We maintain Authorised and Regulated status with the Financial Conduct Authority (FCA reference 610181). Our client-centric model includes unlimited consultations and 24/7 portal access for ongoing support. With 14+ offices across the UK, we combine local accessibility with national expertise to deliver consistent, reliable financial guidance.
Services
Financial Planning
Retirement Planning
Sustainable Investing
Inheritance Tax Planning
Pension Advice
Charity Consulting
Corporate Planning
Online Financial Advice
Investment Management
Estate Planning
Highlights and features
- We offer fair fixed fees with no hidden commissions or product ties
- Our team holds Chartered Financial Planner status, the industry's highest accreditation
- We implement evidence-based investment strategies proven over 60+ years of academic research
- Our fiduciary pledge legally binds us to prioritise client interests above all else
- We provide 24/7 client portal access with unlimited consultation opportunities
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
What people say
Highly professional
Proactive and thoughtful
Make complex topics easy
Financial planning experience enjoyable
Secure and well-managed finances
Services
Financial Planning
Our comprehensive financial planning service creates tailored roadmaps to achieve life goals through strategic wealth management. We analyse your complete financial picture including income, assets, liabilities, and aspirations to develop actionable plans. With ongoing support and annual reviews, we ensure your strategy evolves with changing circumstances while maintaining strict adherence to evidence-based principles.
Retirement Planning
Specialist retirement planning helps clients build sustainable income streams while optimising tax efficiency. We assess pension provisions, investment portfolios, and lifestyle requirements to create withdrawal strategies that prevent capital depletion. Our evidence-based approach ensures portfolios withstand market volatility while maintaining growth potential throughout retirement years.
Sustainable Investing
We integrate environmental, social, and governance (ESG) factors into investment decisions without compromising returns. Our sustainable investing service constructs diversified portfolios aligned with client values while maintaining rigorous risk management standards. This approach combines academic research with client-specific ethical considerations to deliver competitive long-term performance.
Inheritance Tax Planning
Specialist inheritance tax planning minimises tax liabilities while preserving family wealth. We employ legal exemptions, trusts, and gifting strategies to optimise estate distribution. Our approach balances immediate tax savings with long-term wealth preservation, ensuring smooth intergenerational transfers while maintaining client liquidity requirements.
Pension Advice
Comprehensive pension advice covers workplace schemes, personal pensions, and self-invested options. We evaluate contribution strategies, fund selections, and consolidation opportunities to maximise retirement savings. Our independent status allows unbiased recommendations across providers, ensuring optimal solutions for both accumulation and decumulation phases.
People
Tim Horrocks
Financial Planner
Experienced financial planner specialising in retirement strategies and investment management. Builds long-term client relationships through transparent advice and proactive portfolio management. Recognised for making complex financial concepts accessible to clients.
Matt
Financial Planner
Expert in simplifying investment education for clients. Specialises in translating technical financial information into clear, actionable guidance. Praised for exceptional communication skills and client-focused approach to financial planning.
Questions
What makes rock wealth different from other financial advisers?
We use evidence-based investing, charge transparent fixed fees, and hold Chartered status. Our fiduciary pledge legally binds us to prioritise client interests above all else.
Do you work with clients outside the UK?
We primarily serve UK-based clients through our nationwide office network. Our online service supports UK residents who prefer virtual consultations from any location.
How are your investment fees structured?
We charge fixed fees regardless of investment size, saving clients up to £80,000 annually compared to traditional models. Fees start at £2,000 for initial planning with transparent pricing tiers.
What qualifications do your advisers hold?
Our team maintains Chartered Financial Planner status – the industry's highest accreditation. All advisers complete ongoing professional development aligned with FCA regulations.
How often do you review investment portfolios?
We conduct annual reviews as standard, with unlimited additional consultations. Portfolios receive quarterly performance reports and market updates to ensure ongoing alignment with goals.
Can you help with both personal and business finances?
We offer integrated solutions for personal financial planning and corporate clients, including pension schemes, business succession planning, and charity investment management.
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Reviews (5)
David Watson
Nov 20, 2021
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Been looked after in a very professional manner. Regular reviews and current information sent on a regular basis. Very happy with how my portfolio is performing even in this very volatile climate.
Peter Schad
Oct 20, 2021
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I took the decision to move my portfolio to RockWealth three years ago. In that time I have been more than satisfied with the level of return and quality of advice. The fee structure is excellent and the reporting platform and investment software used first class. Advice is provided in a pragmatic and no nonsense manner. I find the needs of the Client are always foremost in the minds of Tim and his Team. They are proactive at all times and the regular reviews are informative, relevant and make a real difference.
Paul Richards
Jun 20, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Rockwealth provide a very personal and professional service. I am a very cautious person and have built up my confidence in Rockwealth over several years, starting with modest investment advice to the point where, with their help, I decided to cash in my company pension in favour of a SIPP, managed by Rockwealth of course!
Rockwealth provide a very personal and professional service. I am a very cautious person and have built up my confidence in Rockwealth over several years, starting with modest investment advice to the point where, with their help, I decided to cash in my company pension in favour of a SIPP, managed by Rockwealth of course!
Manny Brown
Dec 03, 2014
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Nothing bad to say about RockWealth. Tim and his associates are knowledgeable, polite and concise with their guidance, breaking things down where necessary and providing clearly-defined levels of support and management. Thoroughly recommended for anybody wanting to maximise income and assets.
Steven Wilson
Jul 08, 2014
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I have been looked after by the individuals in this firm for a long time and have always received timely and helpful advice on my finances. I couldn't recommend highly enough!
