Independent financial advisers in the Lake District
Goals First. Markets Second.
Local advice that puts your life first. From our Cockermouth office, James Curry helps you bring pensions, investments and family wealth into a clear plan, supported by evidence-based investing and transparent fees.
Financial advice for Cumbrian families, professionals and business owners, led by James Curry CFP™ Chartered FCSI. Meet your Chartered Financial Planner.
“To me, proper financial planning always starts with one question. What is the money for?”
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rockwealth group
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James Curry
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Your money should help you live the life you want, not leave you wondering what comes next. From £2,000, your Financial MasterPlan brings your goals and finances together, helping you see what’s possible and how to work towards it.
Advice for the life you are building
Your circumstances shape the advice, not the other way around. We help people across the Lake District make sense of important financial decisions, from a business succession to a loved one’s care needs. Meet James Curry, Chartered Financial Planner.
Business Owners & Farmers
Connect business and farm assets with your personal goals. Explore succession, retirement and the implications of changing tax and inheritance tax rules with advice shaped around your family.
Explore this serviceCare Fee Planning
Compassionate guidance from James Curry, a SOLLA-accredited adviser. Understand how care could be funded while balancing quality of life, family priorities and the resources available.
Explore this serviceHigh Net Worth
Joined-up, fixed-fee advice for complex finances, with a focus on managing risk, structuring generational wealth and freeing more of your time for the people and causes that matter.
Explore this serviceAdvice for the decisions that shape your future
A clear, life-centred plan that connects your money with your goals, from time together in the Lake District to family milestones. Bring cashflow, pensions, investments and tax into one picture.
Your Financial Plan
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Map out your retirement income so you can spend more time on the fells and less time worrying about cashflow. Explore when work could become optional and how your resources could support the life you want.
Retirement Planning
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Evidence-based portfolios for investors seeking low-cost, long-term growth without the market noise. Your goals, time horizon and capacity for loss guide the approach; investment values can fall as well as rise.
Investing
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Plan how to pass on more of what matters to the next generation. Explore allowances, gifting and trusts within the tax rules, while keeping enough for your own needs. Tax treatment depends on your circumstances and can change.
IHT Planning
Learn morePowered by evidence, not impulse.
Your future deserves more than market fads or hunches. Our investment approach draws on decades of academic research, with a focus on diversification, costs and discipline. Explore the thinking behind our portfolios in “Investing: The Evidence”, available on our investment advice page. Evidence informs decisions; it does not remove investment risk.
Global diversification
Spread investment exposure across companies, sectors and regions instead of relying heavily on one market, manager or recent winner.
Low-cost implementation
Charges reduce the return you keep. Cost-conscious implementation helps more of your capital remain invested and compounding towards its purpose.
Rules-based rebalancing
Periodic rebalancing restores the intended asset mix and risk profile without turning news, forecasts or emotion into an investment strategy.
Responsible overlay
When it suits your preferences, responsible investment screens can be considered without abandoning the principles of diversification and discipline.
Insights from our team
From practical guides to market commentary - stay informed about what matters for your financial future.
Before you speak to an adviser
Straight answers about who we help, what advice involves and how a first conversation works.
It starts with what you want your money to make possible. Perhaps you would like to finish work sooner, help your children or feel more comfortable spending what you have saved. We look at your finances together, rather than treating each pension or investment in isolation. By bringing your goals and finances into one plan, we can help you understand your choices and decide what deserves attention first.
Your first conversation is at our cost, so you can find out whether we are right for you without committing to paid advice. If you choose to go further, a Financial MasterPlan starts from £2,000. The price depends on the work your situation needs, and we explain it before you decide. Putting recommendations into action and ongoing support are priced separately, with platform and fund charges additional where applicable. Our guide to what you pay and what is included explains the options.
Often, it is when a life change makes the next step feel less obvious. You might be working out whether you can afford to stop working, receiving an inheritance or wondering how much you can give to family without leaving yourself short. You do not need to arrive with all the answers. Advice can help you weigh up the trade-offs, spot things you may have missed and approach an important decision with a clearer picture. If your needs are straightforward, we will be open about that too.
You will speak with James Curry, our Director and Chartered Financial Planner, based at Victoria Hall on High Sand Lane in Cockermouth. James founded rockwealth Lake District to put people and their lives before financial products. He wants to understand you, your family and what the future should look like before discussing recommendations. Read about the person behind your recommendations before you get in touch.
A relaxed conversation about what has brought you here. Tell us what is on your mind, what you would like to change and the questions you have not yet found answers to. You do not need a finished plan or a firm retirement date. We will explain where we may be able to help, answer your questions about costs and outline the possible next steps. There is no obligation to go further. You can also explore how an initial conversation becomes a practical plan in advance.
Still have questions? We're here to help.
Begin your journey with rockwealth
Start a conversation about the life you want, not just the money you have. James will listen to your priorities, explain how evidence-based financial planning could help and set out the next steps and fees. Your first meeting is at our cost, with no obligation to proceed.