Save with our fixed-fee financial advice

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Why fixed fees?

A Transparent Approach to Financial Advice

At rockwealth Harrogate, we believe that transparency and simplicity should be at the heart of financial planning. That’s why we offer a fixed-fee model that aligns with your unique needs and financial complexities. Unlike the traditional percentage-based fee structures, our approach ensures clarity and predictability, allowing you to confidently navigate your financial future.

We understand that financial advice should be based on the value of the service provided, not the size of your assets. Our fixed-fee structure is designed to give you peace of mind by offering clear, upfront pricing that reflects the advice and support you receive. Whether you’re a wealth accumulator, retiree, or high-net-worth individual with complex financial circumstances, our tailored fee model ensures that you pay for the service you need—nothing more.

Advice

01

Our fees are not tied to a percentage of your investments but are based on the time, expertise, and level of responsibility required to deliver tailored financial advice to you.

Our advice process follows a clear set of steps, each reflected in our fee structure, ensuring that our clients have complete transparency at every stage of the relationship. We believe in a fee-paying model where you only pay for the services you need, and we won’t charge you anything until we’ve agreed on the most suitable payment method for you. With rockwealth, you’re always in control of the costs.

Process

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Initial Discovery

We offer an initial discovery consultation at our cost – let’s get to know each other first.

Recommendation

Your fee for this service is a fixed amount.

This is due on delivery of your Financial MasterPlan, containing our recommendations for you on the matter in hand.

Policy & Implementation

We work on a fixed fee basis.

We will not exceed our fixed fees without telling you first.

Ongoing Service

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For the final stage — 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.

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.

How our fees compare

When choosing rockwealth Harrogate, you’re selecting a financial adviser who values transparency and competitive pricing. Our fixed-fee structure is designed to provide genuine value without hidden costs. For example, an implementation fee of £2,500 could offer more favourable pricing compared to advisers charging a 3% fee on investments over £83,334.

Unlike many IFAs and wealth managers, we do not bundle charges for advice and implementation. This separation ensures that you only pay for the services you need, with no additional or unexpected fees. Our commitment to clear and independent financial advice is reflected in our pricing, giving you greater control over your financial planning

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