Rock Financial Planning, LLC
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About
Rock Financial Planning, LLC is a fee-only, fiduciary financial planning firm based in Wilmington, NC, serving individuals and families, including mid-career professionals and pre-retirees, with case-by-case work for business owners. Founded in 2026 by Darren Rock, the firm coordinates retirement, tax, investment, insurance, estate, and cash flow planning into a single strategy.
Clients can choose ongoing planning for a fixed annual fee, planning combined with investment management for an asset-based fee, or hourly projects such as a one-time Financial Check-Up. The firm is compensated only by client fees, with no commissions or product sales.
The firm follows a long-term, evidence-based investment approach built on asset allocation, diversification, and low-cost, tax-efficient funds, with client accounts held at an independent custodian. Ongoing clients receive two in-depth reviews each year.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,999,999: 0.80% $3,000,000 - $4,999,999: 0.70% $5,000,000+: 0.60%
Fixed annual flat fees starting at $5,000 for ongoing comprehensive financial planning services
$200 per hour with a minimum engagement of five hours
Minimum fee: $5,000 annual minimum fee for ongoing engagements Fee-only: Fee-only advisor, compensated solely by fees paid directly by clients; no commissions or third-party compensation
Main office
Wilmington NC
Advisors at this office
1
Most active in
North Carolina
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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