Money is personal. Your plan should be, too.

The individuals, families, and couples we work with reach out to us throughout their lives, but with a common aim. They need a detailed plan to protect their wealth and reach the specific goals that matter most to them.

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Getting to know the Rock Creek Wealth Team

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Locations served

Primary office: Rockford, IL
Satellite office: Lake Tomahawk, WI

Who we are

Focus Financial Advisors was founded in 1984 on a simple idea: financial advice should be transparent, attentive, and built entirely around the client. More than four decades later, that hasn't changed.

Today, led by Jon Aldrich, CPA, CFP®, our team delivers the boutique feel of a small firm with the resources and capabilities of a large one. We combine intelligent technology with old-fashioned personal relationships to help you develop and pursue your vision for the future.

We've been a fee-based fiduciary since day one. That means we're paid directly by you and obligated to act in your best interests. No commissions. No kickbacks.

What we help with

We pair comprehensive financial planning with tax-integrated investment management so every part of
your financial life works together, not in isolation.

Comprehensive financial planning

We build detailed, customized plans that bring it all together into a single, coordinated strategy, with tax planning integrated throughout.

What you get
Retirement planning and income strategy
What you get
Tax planning and tax-efficient withdrawal sequencing
What you get
Estate planning and legacy coordination with your attorney
What you get
Social Security timing and optimization
What you get
Risk management and insurance review
What you get
Charitable giving and donor-advised fund strategy
What you get
College and education funding
What you get
Small business and succession planning
What you get
Equity compensation and executive benefits (stock options, RSUs, deferred comp)

Tax-integrated investment management

We develop a low-cost, diversified portfolios designed to support your long-term plan, with an eye toward managing fees and aiming to reduce the tax drag on your returns.

What you get
Portfolio construction aligned with your plan and time horizon
What you get
Asset allocation and ongoing rebalancing
What you get
Tax-aware trading and tax-loss harvesting
What you get
Traditional, strategic, tactical, and ESG portfolio options
What you get
Account-level tax location (what belongs in taxable vs. tax-deferred vs. Roth)
What you get
Ongoing review as your life and the markets change

Our approach

We strive to be the quarterback of your financial team.

That means we don't work in a silo. We coordinate directly with your accountant, your attorney, and your insurance professionals so every recommendation fits into the bigger picture of your life. And with Jon’s CPA background, tax planning isn't a separate conversation. It's included in the plan from the start.

We commit to serving as your steadfast guide, ensuring you remain on the path to enduring financial well-being.

Who we serve

Our clients generally have between $500,000 and $10 million in investable assets, or they're working toward it. They come to us at different life stages, but with one thing in common: they want a partner who will help them find the right path forward.

What you get
Corporate executives
Navigating stock options, RSUs, deferred compensation, and complex benefit packages
What you get
Pre-retirees
Building the roadmap that takes you from working life to retirement with confidence
What you get
Entrepreneurs and small business owners
Bridging personal and business finances, planning for exit, and choosing the right retirement plans for their teams
What you get
Retirees
Managing income, protecting what you've built, and leaving the legacy you want

How we serve you

Our process is designed to get to know you first, not to sell you a product.

Step 1
Determine your goals and what's important to you

We take the time to really listen to what you want to accomplish

Step 2  
Take inventory of your current situation

We take an in-depth look at your financial picture, including savings, income, net worth, and obligations. Then we work together to prioritize your goals and set a time horizon for each.

Step 3
Develop the plan

We build a base plan designed to help you get from where you are now to where you want to be, and we walk you through potential outcomes, including what-if scenarios.

Step 4
Implement the plan

Once we've agreed on the courses of action, we put your plan into place. You leave with a one-page overview: the whole plan at a glance.

Step 5 
Review and monitor

As your life and the world change, we make adjustments and hold regular reviews to keep you on track, manage risk, and act on opportunities.

Schedule an Appointment

Our philosophy

We believe wealth management should feel personal, transparent, and unhurried. We believe your plan should be built around your life, not the other way around. And we believe being a fiduciary isn't a marketing claim; it's the way a firm should work. It's how we've worked since 1984, and it's how we'll continue to work.

Our role is to simplify the complexity, bring structure to the big decisions, and help you move forward with clarity and confidence.

Our team

Jon
Aldrich
Principal, Wealth Advisor

With over 20 years of experience as a fiduciary, Jon began his career as a CPA at a national public accounting firm, specializing in audit, tax, and employee benefit consulting. Prior to joining Farther, he was the President and Owner of Focus Financial Advisors in Rockford, Illinois.

Jon advises clients on all aspects of financial planning, with expertise in complex tax, estate planning, and retirement strategies. He also works with small business owners and coordinates with attorneys and CPAs to provide a comprehensive team approach. Jon resides in Roscoe, Illinois, and serves as the Treasurer for Northern Illinois Hospice, having previously completed two terms as the Operating Board President.

He holds a degree in accounting and maintains a focus on forward-looking financial strategies tailored to each family's specific goals.

Jon

Aldrich

Principal, Wealth Advisor
LinkedIn

With over 20 years of experience as a fiduciary, Jon began his career as a CPA at a national public accounting firm, specializing in audit, tax, and employee benefit consulting. Prior to joining Farther, he was the President and Owner of Focus Financial Advisors in Rockford, Illinois.

Jon advises clients on all aspects of financial planning, with expertise in complex tax, estate planning, and retirement strategies. He also works with small business owners and coordinates with attorneys and CPAs to provide a comprehensive team approach. Jon resides in Roscoe, Illinois, and serves as the Treasurer for Northern Illinois Hospice, having previously completed two terms as the Operating Board President.

He holds a degree in accounting and maintains a focus on forward-looking financial strategies tailored to each family's specific goals.

X
Martha
Whitman
Office Manager

Martha wears many hats working with Focus, dedicating most of her time to managing the day-to-day affairs of the office and making sure the firm remains in compliance with a myriad of industry regulations. She finds helping clients with their questions, concerns, or paperwork a satisfying part of her job, and enjoys both her work environment and working closely with her team. When given a problem or a question, she is determined to will work diligently to find the solution.

Martha has over 35 years of business administration and accounting experience, which has included dealing with payroll, accounts payable and receivable, and financial statements. She is a quick learner, multi-tasker, and is adaptable – always ready to meet a new challenge and meet deadlines early.

In her spare time, Martha enjoys spending time with her family, including her two children and two grandchildren. She is always willing to lend a hand when her friends or family need assistance. Her hobbies include reading, walking, and exploring nature. She is also a life member of the VFW Auxiliary.

Martha

Whitman

Office Manager
LinkedIn

Martha wears many hats working with Focus, dedicating most of her time to managing the day-to-day affairs of the office and making sure the firm remains in compliance with a myriad of industry regulations. She finds helping clients with their questions, concerns, or paperwork a satisfying part of her job, and enjoys both her work environment and working closely with her team. When given a problem or a question, she is determined to will work diligently to find the solution.

Martha has over 35 years of business administration and accounting experience, which has included dealing with payroll, accounts payable and receivable, and financial statements. She is a quick learner, multi-tasker, and is adaptable – always ready to meet a new challenge and meet deadlines early.

In her spare time, Martha enjoys spending time with her family, including her two children and two grandchildren. She is always willing to lend a hand when her friends or family need assistance. Her hobbies include reading, walking, and exploring nature. She is also a life member of the VFW Auxiliary.

X
Carie
Ritchie
Client Relationship & Office Manager

Carie brings over seven years of leadership experience as an Office Manager within the insurance industry, specializing in operational efficiency, client service excellence, and rigorous compliance standards. Known for sharp problem-solving abilities and meticulous attention to detail, Carie thrives in fast-paced environments, consistently supporting business growth while fostering a positive, high-performing workplace culture.

Beyond professional commitments, Carie is an avid reader, outdoor enthusiast, and animal lover who enjoys hiking and prioritizing quality time with family. As a proud parent of two adult children, Carie applies the same dedication, compassion, and grounded focus to personal life as to professional responsibilities, ensuring strong, meaningful connections across every endeavor.

‍

Carie

Ritchie

Client Relationship & Office Manager
LinkedIn

Carie brings over seven years of leadership experience as an Office Manager within the insurance industry, specializing in operational efficiency, client service excellence, and rigorous compliance standards. Known for sharp problem-solving abilities and meticulous attention to detail, Carie thrives in fast-paced environments, consistently supporting business growth while fostering a positive, high-performing workplace culture.

Beyond professional commitments, Carie is an avid reader, outdoor enthusiast, and animal lover who enjoys hiking and prioritizing quality time with family. As a proud parent of two adult children, Carie applies the same dedication, compassion, and grounded focus to personal life as to professional responsibilities, ensuring strong, meaningful connections across every endeavor.

‍

X
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Updated as of January 15, 2026

Past performance is no guarantee of future results. Different types of investments involve varying degrees of risk. Therefore, there can be no assurance that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Farther Finance Advisors, LLC [“Farther”]), or any consulting services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Neither Farther’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if Farther is engaged, or continues to be engaged, to provide investment advisory services. Farther is neither a law firm, nor a certified public accounting firm, and no portion of its services should be construed as legal or accounting advice. Moreover, no portion of this discussion or information serves as the receipt of, or a substitute for, personalized investment advice from Farther. A copy of our current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.farther.com. The scope of the services to be provided depends upon the needs and requests of the client and the terms of the engagement.

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