Rock Financial Planning is a fee-only registered investment advisor based in North Carolina, specializing in ongoing comprehensive financial planning and investment management. The firm takes a holistic, planning-first approach, using financial plans as the foundation for all client engagements. Services include retirement planning, tax strategies, portfolio construction, insurance analysis, estate planning coordination, and cash flow analysis. Rock Financial Planning primarily uses a passive, long-term investment strategy built on low-cost exchange-traded funds and diversified portfolios. Clients can engage the firm through asset-based fees if Rock Financial Planning manages their investments, through an annual flat fee arrangement for planning without direct asset management, or via hourly consulting for limited-scope advice. The firm does not sell financial products or receive commissions, operating solely on fees paid directly by clients.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.80% |
| $3.0M - $5.0M | 0.70% |
| $5M+ | 0.60% |
Fees are billed quarterly in arrears. There is a minimum annual fee of $5,000. Fees may be negotiated in certain circumstances.