In this episode of the Adviser 3.0 The Podcast, Abraham Okusanya speaks with Tim Horrocks, Managing Partner at RockWealth. From his early days in finance to leading one of the UK’s most respected planning firms, Tim shares his professional journey, investment philosophy, and exit strategy with remarkable transparency.
From corporate to client-first: Tim’s journey into financial planning
Tim outlines how his career path led him to found RockWealth, driven by a desire to deliver independent, evidence-based financial advice. He reflects on the key lessons learned along the way and how those experiences continue to shape RockWealth’s mission and operations.
RockWealth’s unique approach
As Managing Partner, Tim has helped build a values-led firm that prioritises planning, education, and long-term outcomes. The RockWealth model is built on trust, transparency, and a commitment to delivering clear, actionable advice to every client. Tim explains how their approach has earned both client loyalty and professional recognition.
Portfolio innovation: from Betafolio to Timeline Portfolios
Tim shares his experience working with Betafolio, now Timeline Portfolios, to refine portfolio construction and management. He discusses the impact of collaborative development in creating models that are simple, scalable, and suitable for modern advisory firms.
The importance of EBAL and efficient allocation
One of the core topics of the conversation is EBAL — Evidence-Based Asset Location. Tim explains how using EBAL frameworks can boost tax efficiency and improve outcomes for retirement investors. It’s a concept that every adviser should be familiar with as client needs evolve.
Exit strategy and building a legacy
Tim opens up about his own exit strategy, highlighting the importance of succession planning in financial advice. His focus is on leaving RockWealth in capable hands while preserving its core values and culture. It’s a thoughtful reminder of the long game in practice management.
Tim’s views on retirement investing
Drawing from years of advising clients, Tim offers insights into successful retirement investing: keep it simple, minimise costs, and plan with purpose. His emphasis on clarity and evidence echoes throughout the episode.
Listen in for leadership, insight and inspiration
This episode of Adviser 3.0 The Podcast is essential listening for financial planners interested in client experience, operational efficiency, and long-term success.
