# rockwealth Chelmsford Financial Advisers

rockwealth is an independent financial advisory firm based in Chelmsford that helps clients align their wealth with their life goals. Founded by Tim Horrocks, the firm takes a distinctly different approach to traditional financial advice by prioritising clients' values and aspirations rather than product sales.

The business serves individuals and families across Chelmsford and beyond who are seeking clarity on their financial future. Their clients are typically those frustrated with conventional advisory relationships and seeking transparent, evidence-based guidance without hidden costs.

What sets rockwealth apart is their commitment to fixed-fee pricing rather than the industry-standard ad valorem (percentage-based) model. This immediately removes conflicts of interest and provides transparent costs from £2,000 for a comprehensive Financial MasterPlan. Their investment philosophy is grounded in over 60 years of academic research, focusing on low-cost, globally diversified portfolios rather than active stock-picking.

The firm specialises in creating complete financial roadmaps that encompass cash flow forecasting, goal tracking, scenario planning and annual reviews. Their clients report 100% recommendation rates, and those switching from traditional advisers typically save 35% on fees.

rockwealth's specialist expertise covers retirement planning with detailed projections and pension drawdown optimisation, pension consolidation and transfers, and inheritance tax planning including trust structures. This comprehensive approach ensures clients have genuine financial clarity rather than fragmented advice across multiple providers.