Flat Fee Financial Planning Services
RockCrest supports you in aligning your financial decisions with your values. As your trusted financial advisor and Personal Finance CEO, we focus on developing a comprehensive, long-term financial plan tailored to your needs. We assist in coordinating, consolidating, and simplifying your financial life while providing the accountability needed to stay on track. Our objective is to bring clarity, order and peace of mind to your financial situation. Our goal is to use the power of true financial planning to help you reach your goals, whatever they may be.
Flat Fee Planning for Your Financial Present & Future
You will receive a comprehensive, step-by-step financial roadmap and financial plan built entirely around your lifestyle and personal values. We map out your long-term goals and optimize your cash flow, helping to ensure your wealth supports the life you want to live.’
As your Personal Finance CEO, we coordinate with your other professionals (like your accountant, attorney, and insurance agents) to help create a unified team and hold everyone accountable for their part in helping you succeed.
You will receive proactive, year-round tax planning and practical strategies tailored and customized to your specific situation. Our goal is to take the guesswork out of taxes by looking ahead at how every significant financial move impacts your bottom line.
As your Personal Finance CEO, we work hand-in-hand with accountants to ensure your investment strategy and tax strategy are in sync. To provide a true concierge experience, we include the cost of your tax preparation with your services.*
You will receive ongoing portfolio management that is fully built into your transparent, all-inclusive advisory relationship—meaning we help keep your investment strategy continuously optimized without hidden costs or layered fees.
True stewardship means looking at your entire financial landscape, not just a single account. We proactively provide strategic advice on the assets we don’t directly manage—including company 401(k)s, real estate, business equity, or assets overseen by other professionals—ensuring your entire net worth works in sync under one coordinated strategy.
You will receive a comprehensive annual evaluation of your unique risks and an independent review of your current insurance policies. Because we do not sell insurance or investment products for commissions, you get an entirely unbiased look at your true exposure.
As your Personal Finance CEO, we help you determine which which risks you should insure, how much coverage you actually need, and the proper amount that coverage should cost. From umbrella liability to property protection, we help ensure your lifestyle and hard-earned assets are secure without paying for unnecessary premiums.
You will receive a comprehensive estate plan designed to protect your hard-earned assets and ensure your wealth passes smoothly to the next generation. We help you think through and organize the overall framework for your trusts, wills, and powers of attorney so your family’s wishes are perfectly clear.
As your Personal Finance CEO, we don’t replace your lawyer or provide legal advice. Instead, we coordinate directly with your estate attorney and or an independent document service to get your plan officially drafted. To help make the process seamless, we cover a portion of the third-party legal document preparation as part of your services.*
RockCrest Financial Reviews
Specific results or objectives achieved are relevant to the client providing the testimonial or the former client providing the endorsement. Results and objectives will vary in accordance with personal circumstances. No compensation was provided for these testimonials or endorsements.
Empowering Your Financial Journey
We help you achieve financial success while adhering to what matters most to you.
We don’t just advise; we make solid, proactive recommendations and help you take action, streamlining your financial responsibilities.
With only 50 comprehensive financial planning clients per advisor, you receive deep, tailored financial strategies that evolve with your needs.
Our clients experience concierge-style financial planning, similar to a family office setup. We specialize in working with individuals and families with $1.5MM-$20MM in net worth (excluding their primary residence) and high-income earners who are still in the process of growing their assets, providing strategic financial guidance at every stage.
Education for the Financially Inquisitive
Our Personal Finance CEO YouTube channel (@PersonalFinanceCEO) is where we discuss personal finance and financial strategies to help you live your best life. To us, financial planning is not only about financial health but also about the positive effects that optimizing finances can have on one’s physical and mental well-being. In each episode, we will tackle different personal finance topics… without all the financial jargon, and provide clear-cut, actionable strategies. The goal of this podcast is to provide practical, sound educational content that will motivate you to get in the best financial health of your life and to stay that way forever!
FAQ
Think of our wealth management services as the ultimate solution for comprehensive financial planning. When your net worth grows between $1.5M and $30M, your financial life naturally becomes fragmented. Your investments are with one broker, your taxes are with a CPA, your estate plan is with an attorney, and your insurance is separate.
As your Personal Finance CEO, we help get your financial house in order. We act as a dedicated fiduciary financial planner. Our role is to advise, help manage and to optimize your complete financial picture, including your long-term planning, day-to-day investment management, proactive tax strategies, asset protection, and estate framework. We help lead your overall strategy and coordinate directly with your outside professionals, helping keep everyone on the same page so you can step away from the daily stress of managing your financial house and instead, focus on enjoying your life.
Yes! A fiduciary must act in your best interests, ensuring transparency, honesty, and alignment with your financial well-being. We must put your interests ahead of ours.
No, we have no strict asset minimums to work with us. Our wealth management services are best suited for individuals and families who want a delegated approach to comprehensive financial planning.
While we have no asset requirements, our firm specializes in serving clients with a net worth between $1.5M and $20M, as well as high-income earners who are actively looking to build and accumulate wealth.
No. Our flat-fee wealth management and financial planning subscription can be canceled at any time. We believe in transparency and flexibility, which is why we do not require long-term contract commitments.
Rather than charging fees based on asset-under-management (AUM) percentages that fluctuate with the stock market, our clients pay a clear, predictable monthly fee. This structure is designed to minimize the asset-based conflicts of interest common in the industry, allowing us to focus on your total financial picture. For a full breakdown of our pricing tiers and termination terms, please visit our Services page and review our Form ADV Part 2A.
You pay one all-inclusive flat fee, billed as a transparent monthly subscription. Our standard advisory fees range from $1,250 to $3,000 per month based on the complexity of your financial life, though our typical client currently pays $1,250 per month ($15,000 per year).
This stands in clear contrast to the traditional wealth management industry, where firms charge an Asset Under Management (AUM) fee of around 1%. Under that percentage model, a family with $5 million in assets pays $50,000 every single year. If their portfolio grows to $10 million, their fee automatically doubles to $100,000 a year… even if the actual work required to manage their wealth stays exactly the same. We believe you should pay for true time and expertise, not a percentage tax on your hard-earned growth.
For our predictable flat fee, you receive our full-service, comprehensive financial planning. We don’t just manage investments; we help you create a values-driven roadmap along with the clear advice needed to execute it. We actively advise on all of your assets… including investment accounts, company 401(k)s, real estate holdings, and private equity. We bring your goals, cash flow, year-round proactive tax planning, risk management, and estate planning framework together under one coordinated strategy. All for one clear monthly cost. For more details, please contact us, visit our Services page, and review our Form ADV Part 2A.
No, we do not sell insurance or any financial products for commissions. As an independent, fee-only financial advisor and fiduciary, we never receive third-party compensation or kickbacks for recommending specific products, policies, or companies.
This structure allows us to minimize asset-based and product-based conflicts of interest, helping to ensuring our risk management evaluations and investment recommendations are driven entirely by what is best for your family.
We do not take physical custody of or hold your funds. As an independent wealth management firm, investment assets that you would like us to manage directly are held in your name with a leading, institutional, qualified third-party custodian, such as Charles Schwab or Altruist. You can also choose to keep them at your current custodian (like your employer retirement plan provider or brokerage firm). We provide advice on all of your assets, no matter where you choose to hold them.
If you choose to have us directly manage investment accounts on a discretionary basis, you would grant us limited power of attorney strictly to manage the portfolios, execute trades, and implement your agreed-upon investment strategy (and, if authorized, to deduct our advisory flat fees). You retain complete ownership, access, and control over your accounts at all times.
No. While we love meeting clients locally, we work with many individuals and families across the country as a strictly virtual relationship (through online meetings, calls, etc.). We do feel that “seeing you” even if it is via an online meeting, is an important part of the relationship.
Our secure digital onboarding, video consultations, and cloud-based financial planning dashboards allow us to deliver a seamless, high-touch concierge experience no matter where you are located. For those that prefer to, we can manage the totality of our financial planning and wealth management relationship completely online.
One of our core focus areas is proactive, year-round tax planning and mitigation strategies. This means we help structure your investments and withdrawal strategies to minimize what you owe both short term and long term.
When it comes to the actual filing of your tax returns, we coordinate directly with your existing CPA or can utilize our network of CPAs and trusted independent tax professionals who have have agreed to work with us as part of our team to help enhance your tax planning strategy. If you utilize our network of independent tax-planning professionals, we cover at least the cost of basic personal tax preparation (see our services document for more information). We don’t receive any referral fees or incentives for doing this. We cover the cost of tax-preparation as part of your service in this way so we can help ensure your tax planning and strategy actually translates down to the bottom line of your tax returns.
It’s never too early or too late to take control of your financial future. Contact us today to learn how RockCrest can help you achieve financial independence while protecting your time and lifestyle.
“Your Personal Finance CEO” – RockCrest goes beyond just creating plans and managing assets… we help successful, busy individuals and families achieve financial independence, and protect their lifestyle.
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IMPORTANT DISCLOSURE INFORMATION
Advisory services offered through RockCrest Financial LLC, an investment adviser registered with the state of New Jersey and other jurisdictions as required. Registration as an investment adviser does not imply a certain level of skill or training. RockCrest Financial LLC does not provide tax or legal advice, and we encourage you to consult with tax or professional legal advisors before implementing any legal or financial planning strategies. Information presented on RockCrest Financial’s website, as well as social media sites linked on this page, is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. RockCrest Financial’s website and its associated links offer news, commentary, and generalized research, not personalized investment advice. No content on this website should be interpreted to state or imply that any past outcome is indicative of a future outcome.
