Financial
Planning

Your Life, Your Goals, Your Financial Plan

Financial Planning, Designed for you

We believe financial planning should be as unique as you are. Whether you’re planning for retirement, managing investments, or navigating life’s milestones, our personalised approach ensures your financial future is secure. With regular updates and expert guidance, we make complex decisions simple, so you can focus on living life on your own terms.

At Rockwell, we’re dedicated to helping you achieve a more secure financial future.

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Book a Financial Planning Consultation

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What We Offer

Your financial success is about more than numbers; it’s about reaching goals and achieving peace of mind. Our expert planners simplify the financial planning process, guiding you at every stage with tailored solutions. Whether you’re navigating personal finances, managing business income, or preparing for retirement, we’ll create a plan that grows with you.

Business Owners and Entrepreneurs

We work with business owners of all sizes, providing guidance on translating business success into long-term personal financial growth and stability.

Families

Our planners create strategies that secure your family’s future, covering education funds, long-term savings, and wealth preservation.

Planning Your Retirement

We offer expert advice on preparing for retirement, from optimising pensions to understanding your retirement income options.

Our Comprehensive 6-Stage Financial Planning Process

We use a structured six-stage process to make financial planning straightforward and effective.

Stage One: Stage One: Understanding Your Vision

Our planners take the time to learn about your financial goals and aspirations, building a foundation based on what matters most to you.

Stage Two: Assessing Your Financial Landscape

We evaluate your current assets, liabilities, and financial standing to understand where you are today.

Stage Three: Identifying Opportunities and Risks

Our team analyses your financial position to uncover potential opportunities and anticipate any challenges.

Stage Four: Crafting Your Personalised Plan

Based on our findings, we create a financial plan tailored to your objectives and life stage.

Stage Five: Putting Your Plan into Action

Once we’ve designed your plan, we implement strategies that align with your goals and ensure efficient use of resources.

Stage Six: Ongoing Review and Adjustments

Your plan is not static; we’ll work with you over time to monitor progress and make necessary adjustments as life changes.

Senior Executives

One of the challenges of working for a large multinational business is that a significant portion of your wealth tends to be tied up, either with your occupational pension scheme and/ or shares in the business. To compound this, most of your financial planning comes from financial advisors chosen by corporate, rather than planners focused specifically on your individual needs.

Whether you are a CFO for a large pharmaceutical business, Head of Marketing for a Tech business, Director of Operations for an indigenous engineering company, you have financial planning needs. Whilst your company may provide you with the core benefits such as pensions, life insurance etc., the hard questions usually remain unanswered. Mainly, what do you do with this, and how do you plan for your next stage in your career and your life?

Our advice is focused on the outcome you are trying to achieve. Sometimes it may involve questions around what to do with your RSU’s (Restricted Share Units), maybe even personal shareholdings within the business or the industry. Other times it’s about having pragmatic conversations around promotions for new career opportunities. A lot of the time we can focus on the bottom line, but part of the financial planning process is about asking our clients the right questions to help them make the right decisions. Whilst it is focused on their finances, our human approach ensures we’ll always bring the advice back to the person, and the benefits and costs such a decision can bring.

Medical & Legal Professionals

Most people in these sectors find themselves unable to take advantage of the various tax benefits of being part of a limited company. Our role is to help navigate the financial planning process to ensure you’re maximising what you can do whether as an employee or as a sole trader. Our experience with medical profession ranges from clients who are GP’s managing a local practice in a town in the Midlands, a Dentist trying to compete with the larger multiples entering their sector to Consultants and Surgeons working in some of the best hospitals in the country.

We also have a large number of clients within the legal sector. From Partners in some of the larger cross functional firm’s city center practice, to Owner Operators of a busy provincial practice. The very nature of the day-to-day activities will vary massively, but the complexities regarding managing your finances remain the same. Our financial planning process should be around you making the necessary provisions for your needs, including planning for your exit from the business whether by retirement, acquisition or merger.

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FAQ’s

What does a financial planner do?

A financial planner is a professional who assists individuals, families, and businesses in managing their finances effectively. They provide expert advice and create personalised financial strategies based on their clients’ goals and circumstances. Financial planners typically offer services such as budgeting, retirement planning, investment advice, tax planning, insurance analysis, and estate planning. They assess their clients’ financial situation, develop comprehensive plans, and provide ongoing support to help clients achieve their financial objectives.

Why would I need a financial plan?

There are several reasons why you might need a financial plan:

Goal Achievement: A financial plan helps you define and prioritise your financial goals, such as buying a home, saving for education, or planning for retirement. It provides a roadmap to achieve these goals by outlining specific strategies and steps.
Financial Organisation: A financial plan helps you get a clear overview of your current financial situation, including income, expenses, assets, and liabilities. It helps you organize your finances, track your cash flow, and make informed decisions about your money.
Investment and Retirement Planning: A financial plan assists you in developing investment strategies tailored to your risk tolerance and time horizon. It helps you save and invest effectively to accumulate wealth and plan for a comfortable retirement.
Management: A financial plan helps identify potential risks and develop strategies to mitigate them. It includes analysing insurance needs, such as life insurance or income protection insurance, to protect against unforeseen events.
Tax Optimisation: A financial plan considers tax implications and helps you structure your finances in a tax-efficient manner. It identifies strategies to minimise your tax burden and maximise your savings.
Estate Planning: A financial plan helps you create an estate plan, ensuring your assets are distributed according to your wishes while minimising tax implications.

Are financial planners worth it?

The value of a financial planner depends on your specific circumstances and needs. Here are some factors to consider:

Expertise and Knowledge: Financial planners possess expertise in various areas of personal finance and stay updated with changing regulations and market trends. Their knowledge can help you navigate complex financial matters and make informed decisions.
Tailored Advice: Financial planners provide personalised advice based on your individual goals, risk tolerance, and financial situation. They create customised strategies that align with your specific needs, helping you optimise your financial outcomes.
Time and Convenience: Managing finances can be time-consuming and overwhelming. Financial planners can handle the research, analysis, and implementation of financial strategies on your behalf, saving you time and effort.
Accountability and Discipline: Financial planners help keep you accountable to your financial goals. They provide ongoing support, monitor your progress, and make adjustments as needed, helping you stay disciplined and on track.
Cost-Effectiveness: While financial planners charge fees for their services, their expertise can potentially save you money in the long run by optimising your financial decisions, minimising taxes, and avoiding costly mistakes.

How often should I review my financial plan?

The frequency of reviewing your financial plan may vary depending on your individual circumstances and any significant changes in your life. However, as a general guideline, it is recommended to review your financial plan at least annually or when significant life events occur, such as marriage, starting a family, changing jobs, or retirement. Regular reviews ensure that your financial plan remains aligned with your goals and allows you to make adjustments based on changes in your income, expenses, or investment performance.

Financial
Planning