Build Wealth on Your Terms — Not Theirs
A personalized roadmap to eliminate debt, build savings, and invest with confidence — without Wall Street jargon or cookie-cutter advice.
You Deserve a Plan Built for Your Life
Most financial advice is written for the average person — and you’re not average. Whether you’re drowning in debt, starting from scratch, or ready to accelerate wealth-building, Rothrock Personal Finance meets you exactly where you are.
Four Pillars of Financial Freedom
Every engagement covers the full financial picture — from day-to-day cash flow to long-term legacy wealth.
📊
Budget Mastery
Zero-based budgeting that sticks and creates margin for what matters most.
- Zero-based budgeting setup
- Spending audit & optimization
- Automated savings architecture
- Monthly accountability
⚡
Debt Elimination
A proven payoff sequence custom-built for your debt stack and income.
- Full debt inventory mapping
- Payoff sequencing strategy
- Negotiation scripts
- Milestone tracking
🛡
Emergency & Protection
Build the financial buffer that lets you take smart risks.
- Emergency fund target calc
- HYSA selection & setup
- Insurance gap analysis
- Risk tolerance assessment
📈
Wealth Building & Investing
Move beyond debt payoff into intentional, compounding wealth — Roth IRA, brokerage, real estate, and beyond.
- Investment account selection & setup
- Asset allocation for your timeline
- Tax-efficient investing strategy
- Net worth tracking & milestones
From First Call to Financial Clarity
Discovery Call
Free 30-min conversation to understand your situation and what’s blocking progress.
Financial Snapshot
We map your full picture — income, debt, savings, spending.
Custom Plan
A step-by-step roadmap with clear priorities built around your life.
Ongoing Coaching
Monthly check-ins to keep you on track when life happens.
Photo
Hi, I’m Rothrock — I’ve Seen Both Sides of the Money Equation
I know what it’s like to make good money and still feel broke — to wonder where every paycheck goes, to avoid opening credit card statements, to feel like everyone else has it figured out except you.
After earning my CFP® certification and spending over a decade inside a financial planning firm, I started Rothrock Personal Finance to serve the clients the big firms ignore — real people with real financial lives.
Get the Financial Foundation Starter Kit
Everything you need to take your first real steps toward financial independence — in one free guide.
- Zero-based budget template (editable spreadsheet)
- Debt payoff calculator with timeline
- Emergency fund goal-setting worksheet
- The Rothrock Money Priority Sequence
- Monthly net worth tracker
Real People. Real Progress.
I came in completely overwhelmed — three credit cards, a car loan, student loans. Within 6 months we had a clear payoff order, and 22 months later I was debt-free for the first time in my adult life.
I always thought investing was for people with a lot of money. Rothrock showed me how to start with $200/month and gave me confidence I’d never had around the stock market.
We had no real savings — just a couple hundred in checking. Now we have a fully funded 6-month emergency fund and our first Roth IRAs. The peace of mind is worth everything.
Free Financial Education
The Zero-Based Budget: Why Every Dollar Needs a Job Before the Month Begins
Most people budget by tracking what they spent — and wondering where it all went. Zero-based budgeting flips the script: you assign every dollar a purpose before you spend a single cent.
Avalanche vs. Snowball: Which Payoff Strategy Actually Works?
Both methods work. The best one is the one you’ll stick to.
How to Start Investing With $100 a Month (And Why It Matters)
Compound interest doesn’t care how late you start — it cares that you do.
Ready to Take Control of Your Financial Future?
Book a free 30-minute discovery call. No pitch, no pressure — just clarity on where you are and what your next step looks like.