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Our Philosophy

On expert advice

We believe that expert advice is always better than generic advice. As such, we have developed a number of strategic partnerships with experts in various fields so that you can have the best advice available whatever your financial need. This leaves Robert free to concentrate on his area of expertise which is the core financial planning along with pensions and investment management.

On understanding risk

Understanding the risks involved in any transaction is paramount. Before you can decide whether you should start any new plan you first need to understand what the risks are if you do nothing. You then need to look at the benefits and costs of the various options. Finally you need to understand the risks involved for each option being considered. Rock IFA will help you through this process and take the time to answer any questions or concerns that you may have so that you will be in a position to make a fully informed decision and be confident that you have made the right choice.

On flexibility

As your circumstances and objectives change over time it is often necessary to make changes to existing arrangements. If the existing arrangements are inflexible this can mean that plans have to be replaced rather than altered which can be inconvenient and costly. Rock IFA holds the view that it is usually better to set up a flexible arrangement from the outset that can be altered, as necessary, to meet your changing requirements.

On plain English

Rock IFA aims to communicate in plain English with clear explanations of the reasons for and against any recommended actions. Where industry terms are used Rock IFA provide clear explanations of what these mean so that you are able to make informed decisions in every case.

On fees and charges

Charges should be clear and simple to understand. Rock IFA avoids contracts with complicated and obscure charging structures so that you will know exactly how much you are paying and what for.

Rock IFA can be paid by fees or commission or a combination of these. All fees are agreed in advance and full disclosure of any commissions due will be made in all instances.

On value for money

The cheapest product may be the best but this is not necessarily the case. There are a number of equally important factors which need to be considered along with cost, such as quality and range of cover, service, financial strength, claims handling and investment performance. Rock IFA will take all of these factors into consideration before making any recommendations to make sure that you get the best value for your money.