Independent Financial Planning Experts

Round Rock Advisors is an independent, fee-only Registered Investment Advisor (RIA) dedicated to helping individuals, families, and businesses achieve financial clarity and long-term security. We provide personalized wealth management, financial planning, and investment strategies tailored to your goals. As an independent firm, we are not tied to banks, insurance companies, or specific products. Our recommendations are based solely on your best interests. With a focus on transparency, fiduciary responsibility, and trusted relationships, we help simplify complex financial decisions and guide you confidently through life’s most important milestones.

An RIA (Registered Investment Advisor) is legally obligated to act as a fiduciary, always putting clients’ interests first. A broker-dealer or wirehouse advisor often operates under a “suitability standard,” meaning recommendations must be suitable, but not necessarily the best. Broker-dealers may also earn commissions on certain products, creating conflicts of interest. RIAs, like Round Rock Advisors, typically operate on a transparent, fee-only basis, aligning our success with yours. In short, RIAs focus on long-term advice and planning, while broker-dealers often emphasize transactions and product sales.

A fiduciary is a financial professional legally and ethically bound to always act in your best interest. This means avoiding conflicts of interest, providing full transparency, and prioritizing your needs above compensation. Not all advisors are fiduciaries—some may recommend products that benefit them more than you. By working with a fiduciary, like Round Rock Advisors, you gain peace of mind knowing that every recommendation is made to support your goals. Fiduciary care ensures trust, accountability, and client-first advice.

A Certified Financial Planner™ (CFP®) is a professional who has completed rigorous education, passed comprehensive exams, and adheres to strict ethical standards. CFP® professionals specialize in areas like retirement planning, tax strategy, investments, and estate planning. They also commit to acting as fiduciaries, ensuring their advice always serves your best interests. By working with a CFP®, you gain a trusted partner with proven expertise and holistic strategies to manage, protect, and grow your wealth.