Flat Fee Financial Advisor | HNW Wealth Management
Whether you are still actively running a business, climbing the corporate ladder, or already enjoying a hard-earned retirement, your focus is the same: making sure your lifetime of savings is managed efficiently.
RockCrest Financial provides comprehensive wealth management, smart tax coordination, and estate alignment for families with $1.5 Million to $20 Million in total wealth. By replacing traditional percentage-based fees with one transparent flat fee, we ensure our advice is driven exclusively by your milestones, whether you are growing a company or drawing retirement income.
Core Benefits
Your financial plan should be motivational and something you want to follow! We sync your values, lifetime goals, active business interests, corporate retirement accounts, personal investments, and real estate into one clear, easy-to-follow wealth strategy. Your plan is built to be dynamic, like your life. As your life changes, so does your plan… so you can see the effects in real time.
We build a practical, living roadmap that handles everything from managing cash flow while you work to replacing your company paycheck when you retire.
Clear Retirement Roadmap: We tell you exactly where you stand, helping you figure out when it’s safe to step away from your business or career without worrying about running out of money.
Smart Paycheck Replacement Strategies: When you stop working, we create a clear plan that combines your investments, social security, and business income into a steady, predictable monthly paycheck.
Major Milestone & Cash Flow Planning: Whether you are funding a grandchild’s college education, upgrading a property, or expanding a business, we stress-test your cash flow so you can make decisions with absolute confidence.
Ongoing Roadmap Updates: Life changes, and so will your plan. Because our ongoing advisory services are fully covered under your single flat fee, we update your roadmap whenever your goals or circumstances shift—with zero add-on charges.
We don’t just look backward at last year’s taxes when April rolls around. We build a forward-looking plan to help you keep your lifetime tax bill as low as possible.
Maximizing Retirement Tax Breaks: We map out advanced tax-saving moves—like Backdoor and Mega-Backdoor Roth conversions—to help high earners grow their wealth completely tax-free.
Smart Withdrawal Blueprints: If you are retired or near retirement, we show you exactly which accounts to pull money from first (and when) to keep you in the lowest possible tax bracket.
Business & Property Deductions: We review your business structures and real estate holdings to ensure you are taking full advantage of write-offs, depreciation, and tax-smart strategies.
Frictionless CPA Alignment: We coordinate directly with your accountant to ensure our wealth strategies match up with your annual tax filings. If you use our accountant network, your basic personal tax preparation is fully covered under your annual flat fee.
All-Inclusive Portfolio Management: You receive a globally diversified, low-cost investment strategy built for your exact life stage—whether you need long-term growth while working or a steady cash-flow plan in retirement.
Real Estate & Alternatives: We seamlessly coordinate your traditional stocks and bonds with your alternative investments and real estate holdings.
Outside Asset Reviews Included: Because we charge a flat fee, we review and advise on your outside investments—like your current employer 401(k), private business equity, or real estate deals—with no hidden add-on fees. Your entire financial picture is covered.
We don’t sell insurance, which means we have no incentive to pitch you policies you don’t need. Instead, we act as an unbiased third party to review your existing coverage and identify dangerous gaps that could expose your hard-earned wealth.
Protecting Your Personal Wealth: We evaluate your life, disability, and umbrella insurance policies to ensure your family is fully protected if life throws you a curveball.
Business & Property Risk Exposure: If you own a business or real estate holdings, we review your commercial liability and property coverage to make sure a lawsuit can’t breach your personal asset wall.
Unbiased Policy Audits: Because our advice is fully covered under your single flat fee, we will review existing policies or evaluate quotes from outside brokers with zero sales pressure. Our only goal is making sure you have the right amount of protection for the lowest possible cost.
You don’t want your family dealing with a confusing legal mess later on. We help you organize your legacy so that your assets go exactly where you want them, when you want them, with minimum friction.
Avoiding the Headaches of Probate: We review your wills, trusts, and beneficiary designations to make sure your assets pass directly to your loved ones without getting stuck in costly, public court proceedings.
Protecting Your Business and Property: We help business owners and real estate investors design seamless succession plans, ensuring your hard work is smoothly transferred to the next generation without a hitch.
No-Conflict Coordinator: We don’t draft the legal documents ourselves. Instead, we act as your advocate, translating your wishes and working directly with your Estate Attorney to get your plan executed correctly. We cover at least a portion of these document preparation fees when working with our estate planning network.
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.
Coordinated Wealth Stewardship
Replace traditional, percentage-based AUM fees with a predictable, flat-fee advisory model. We provide holistic wealth managemen, advanced tax planning, and institutional investment coordination tailored for portfolios between $1.5 Million and $20 Million.
We build and manage practical wealth strategies tailored entirely around your personal values, career milestones, or business goals.
We don't just hand you a checklist. We proactively implement your wealth strategy, coordinate with your other professionals, and handle the heavy lifting.
By strictly limiting the number of families each advisor handles to 50 or less, you receive dedicated, ongoing support and real-time adjustments as your life changes.
We act as your dedicated personal finance coordinator, delivering an experience similar to a personal family wealth office. We specialize in working with self-made multi-millionaires, disciplined savers, and business owners with $1.5M to $20M in total wealth. Whether you are actively growing a company, climbing the corporate ladder, or already enjoying a hard-earned retirement, we provide objective, ongoing guidance for every step of your journey.
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 $20M, 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 your 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 do not have 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’s retirement plan provider or your favorite 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 strictly as their virtual Personal Finance CEO (through online meetings, calls, etc.). However, we do feel that “seeing you” even periodically via an online meeting, is an important part of the relationship, as it enhances communication and makes the planning experience more effective.
Our secure digital onboarding, video consultations and meetings, 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 structure your investments and withdrawal strategies to help minimize what you owe both short term and long term.
When it comes to the actual preparation and filing of your tax returns, we coordinate directly with your existing CPA or you 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 never receive referral fees or incentives from these professionals. 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.
Contact Us
Quick Links
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. Alternative investments, including private equity, private real estate (1031 DSTs, UPREITs, QOZs), and digital asset/crypto ETFs, involve a high degree of risk and are not suitable for all investors. These investments are often illiquid, speculative, subject to higher fees, and may only be available to Accredited Investors or Qualified Purchasers. Past performance is no guarantee of future results. Diversification does not eliminate the risk of market loss.
