Financial Planning in Reading
A Financial MasterPlan.
Built around your life.
Life-focused financial planning in Reading with fixed fees, evidence-based investing and a clear roadmap for the decisions that matter most.
Comprehensive financial planning, built around your life
Financial planning is not about predicting markets or selling products. It is about answering the life questions behind your money: when can I retire, what can I afford, how much is enough, and how do I make good decisions without second-guessing myself?
With rockwealth Reading, you build a personalised Financial MasterPlan around your own life, family, work and future choices. As a rockwealth client you receive continuous support, including annual reviews, direct access to your adviser, and online tools to track your progress. We serve clients across Reading, Wokingham and the wider Berkshire area.
Since 2013, rockwealth has been an independent Chartered Financial Planning firm with a deep commitment to evidence-based investing, giving you access to low-cost, globally diversified portfolios grounded in Nobel Prize-winning research. You can also learn more about our evidence-based approach to advice and decision-making.
See how we help Reading residents achieve financial clarity
What your plan covers
Financial planning that connects every part of your financial life
A strong plan looks beyond isolated products. We assess the decisions, risks and opportunities that shape your future, then bring them together in a clear Financial MasterPlan.
Income and expenditure
Understand what comes in, what goes out, and what needs to change to support the life you want.
Net worth and cashflow forecasting
Model your assets, liabilities and future income so you can see whether your money is likely to last.
Pensions and retirement income
Connect pension decisions, drawdown planning and retirement timing into one coherent strategy.
Investment risk and evidence
Match your portfolio to your goals, risk capacity and time horizon using evidence-based investing.
Tax and estate considerations
Identify practical opportunities around allowances, inheritance tax, gifting and legacy planning.
Protection and contingency planning
Check whether your family, income and long-term plans are protected if life takes an unexpected turn.
Our process
How we work with you
From first conversation to ongoing partnership, our process turns your goals, pensions, investments, tax position and future spending into one written Financial MasterPlan.
Getting to know you
Your life before your money
This meeting is at our cost. We learn what matters to you, what you want life to look like, and whether financial planning can add genuine value.
Financial MasterPlan
Your roadmap in writing
We prepare your Financial MasterPlan, combining cashflow forecasting, tax planning, pension analysis, investment recommendations and clear next steps.
Implementation
Putting the plan into action
We handle the paperwork and provider liaison, from setting up accounts to consolidating pensions where appropriate, so your plan moves from theory to action.
Ongoing coaching
Keeping life and money aligned
Annual reviews, market updates and proactive advice as your life evolves. Three clear price bands based on your situation - no hidden costs.
For smaller portfolios, percentage fees may work out cheaper - you'll have that option.
Why Reading residents trust rockwealth
Reading and the surrounding Berkshire towns are home to business owners, professionals and families with complex financial decisions. Whether you're building wealth, approaching retirement or thinking about inheritance, your financial situation deserves expert attention.
We combine life-focused planning, evidence-based investing and transparent fixed fees. The result is a plan designed around your future, not around selling financial products.
What our clients say
Financial planning Reading FAQs
What is included in a Financial MasterPlan?
Your Financial MasterPlan brings together cashflow forecasting, pension planning, investment strategy, tax allowances, estate considerations and clear recommendations. The aim is to show where you are, where you want to get to, and what needs to happen next. Before acting on regulated recommendations, you can also check firms on the FCA Financial Services Register.
How much does financial planning cost?
We use transparent fixed fees agreed upfront. Initial discovery is at our cost. Your Financial MasterPlan starts from £2,000, implementation starts from £2,000, and ongoing support starts from £3,750 per year depending on complexity.
How long does the financial planning process take?
Most clients move from initial discovery to a completed Financial MasterPlan over several weeks. Timing depends on how complex your pensions, investments, tax position and family circumstances are.
What if my circumstances change?
Financial planning should adapt as life changes. We review your plan when circumstances shift, such as retirement, inheritance, selling a business, changes in income, family changes or market volatility.
Do you offer ongoing financial planning support?
Yes. Ongoing support includes regular reviews, updates to your plan, investment monitoring, tax-year planning and coaching around important financial decisions.
Start with clarity, scale with confidence
rockwealth helps families across Reading and Berkshire build financial security - with evidence-based investing, fair fixed fees, and advice that puts your life first.
