Building Your Financial Roadmap
Comprehensive, flat-fee financial planning services tailored to align with the personal values and goals of high-net-worth families. Our disciplined approach—coordinating your entire financial landscape, consolidating complex moving parts, and simplifying the decision-making process—is designed to deliver proactive solutions and the clear accountability you need to manage your wealth with confidence.
We design comprehensive, holistic flat-fee financial plans tailored to the unique complexities facing high-net-worth families. By delivering a clear, written, step-by-step strategy aligned with your values, we help you coordinate, consolidate, and simplify your entire financial landscape.
Whether you are looking to optimize multi-year tax mitigation strategies, coordinate sophisticated estate and trust frameworks, manage concentrated executive stock wealth, or structure a predictable retirement distribution plan, we provide the objective guidance and clear accountability you need to manage your wealth with confidence.
We offer both customized and model investment portfolios designed to align with your risk tolerance, time horizon, and long-term financial goals. To provide a truly holistic view, we review and integrate the critical accounts we don’t manage directly—such as employer-sponsored 401(k)s—incorporating your entire asset base into a single, cohesive strategy.
For qualified clients facing advanced financial complexities, our capabilities extend into sophisticated asset classes and tax-deferral structures, including:
Institutional Fixed Income & Custom Equity Portfolios: Tailored for precise risk management and direct indexing needs.
Advanced Real Estate Strategies: Evaluating 1031 DST Exchanges, 721 UPREITs, and Qualified Opportunity Zones (QOZs) to help mitigate concentrated capital gains.
Alternative Asset Integration: Providing strategic guidance on private equity, venture-stage opportunities, and specialized liquid alternatives (including digital asset ETFs) where appropriate for your overall allocation.
We help you stay proactive with forward-looking tax planning designed to mitigate your lifetime tax burden. Our advanced approach incorporates high-impact strategies such as institutional tax-loss harvesting, Backdoor Roth IRA coordination for high earners, charitable gifting and through identification of strategic credits and deductions.
To help simplify your financial life, we coordinate your annual tax preparation through your accountant or our network of trusted tax preparation partner firms, helping to ensure your wealth management and tax filing operate in together and are aligned.
We review your existing wills, trusts, and powers of attorney to help verify that they remain current and structurally aligned with your wealth management goals. Our role is to educate and guide you through the complexities of legacy planning, giving you the clarity needed to protect your assets and fulfill your exact wishes.
To streamline the process, we provide seamless coordination with estate document preparation platforms and attorney consultations through our network of trusted partner firms—allowing your comprehensive financial plan and legal frameworks to work in total harmony.
As a fee-only firm, we do not sell insurance products or collect commissions. This allows us to provide an unbiased evaluation across your complete risk and exposure spectrum.
Rather than viewing risk through a narrow lens, we analyze your comprehensive vulnerabilities—ranging from asset liability and traditional coverage gaps to modern digital threats like cybersecurity. Our role is to objectively evaluate your exposure, identify appropriate coverage structures, and help you implement defensive strategies designed to protect your wealth and secure your financial picture.
We believe that managing your wealth should be an ongoing conversation, not a once-a-year event. We'll map out three customized strategy sessions each year, specific to your financial situation to dive deep into your plan and help keep everything aligned.
Between these meetings, our work doesn't stop. We are proactively monitoring your overall portfolio strategy, tracking market changes, and looking ahead for any planning opportunities.
Think of us as your on-call financial sounding board. If you're facing a sudden decision about executive benefits, looking at an unexpected tax wrinkle, or just want a second opinion, you can reach out anytime via phone, email, or video call. We are here whenever you need a clear, objective perspective.
We take an active role in coordinating and communicating with the other professionals in your life: your accountant, estate attorney, insurance agent, banker, mortgage broker, and anyone else on your team.
Our goal is to help make sure everyone is aligned with your overarching financial plan so nothing falls through the cracks. When needed, we’ll communicate with these professionals on your behalf throughout the year, keeping everyone focused on the same big picture and helping keep your wealth strategy moving forward.
Our platform offers a streamlined way to view your entire financial picture in one place. By gathering your data into a single, secure, centralized hub, you can easily access and track:
RockCrest Financial Reviews
As a stand-alone service, we can help:
Advanced Investment Management
Advanced Tax Planning & Analysis
Estate Planning – including in-depth review of Wills, Trusts, and POAs
Coordination, Communication and Accountability with your Accountant, Estate Planning Attorney, Insurance Agents and Other Financial Professionals
Meeting Attendance with your Other Advisors (Upon Request)
Investment Management
Tax Planning & Analysis
Estate Planning – including basic review of Wills and POAs
Investment Management
We provide investment management only services to a limited number of clients for 0.96% of AUM.
We provide one-time financial planning services to a limited number of clients. The cost of a one-time comprehensive written financial plan ranges from $2,500 to $5,000 depending on scope and complexity.
High-Net-Worth (HNW) individuals, couples and families ($1.5-20MM Net Worth)
Successful business owners and highly compensated employees (executives, technology, sales, etc.)
Families with significant real estate holdings, life event opportunities, concentrated stock or complex planning situations.
High Earner Not Rich Yet (H.E.N.R.Y) professionals
THEY ARE FINANCIAL DELEGATORS and are happy to follow the advice of a team of financial experts, coordinated by a single Trusted Advisor.
THEY ARE PASSIONATE ABOUT THEIR GOALS and realize that achieving them requires time, money and planning.
THEY ENJOY THE SIMPLICITY, FREEDOM, AND PEACE OF MIND that comes from having all of their financial assets under the watchful eye of a single, Trusted Advisor who helps provides oversight, coordinating all personal financial affairs.
THEY VALUE OUR WORK TOGETHER and appreciate advice and guidance. Due to the high level of client interaction and attention, our services make sense for families who have accumulated more than $1,000,000 in assets, not including the value of their home.
THEY FOCUS ON WHAT'S IMPORTANT and delegate financial matters to us. They want an advisor whose role is to help protect their financial assets, and overarching strategy, so they focus on the things which matter most in life to them.
THEY APPRECIATE THE CANDID TRUTH: Our clients want to hear the truth from us regarding their financial situation...no matter what. They rely upon us and want complete transparency about their financial situation and the fees that pay all of their advisors.
FAQ
We act as your financial chief executive officer, leading your personal team of financial professionals (your accountant, attorney, insurance agents, bankers, mortgage agents, etc.), helping you implement and manage a comprehensive, step-by-step financial plan, so you can “live your best 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.
We have no strict asset minimums. Our financial planning services are best suited for individuals and families who desire a delegated approach to comprehensive financial planning with a net worth between $1M to $10M, and high-income earners looking to accumulate wealth.
No. Our flat-fee financial planning subscription can be canceled at any time. Please see Services page for more information.
You pay one all-inclusive flat fee, as a monthly subscription, which covers all of our services. The fee is based on the complexity and level of service that you choose. Please see our ADV for more information.
As an independent investment advisory firm, we do not earn commissions or receive compensation for recommending specific products. This structure allows us to minimize conflicts of interest and provide unbiased investment advice.
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. 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.
