Depending on your personal goals we can help grow your investments, generate a new income source, or preserve your wealth by offering a range of services to suit your goals and approach to investment.


Investing can be confusing, but our advisors are here to give you the advice and confidence to invest.

Your initial meeting is free, and our advisors are even happy to meet you in the comfort of your own home to discuss your plans and answer any questions you may have.


Whatever your plans for your retirement, you can ensure that it is achievable by getting your finances in order beforehand.

Our advisors will help you create a tailored made retirement plan as part of your wider financial planning needs to ensure that you achieve the lifestyle you would desire at retirement.

Your initial meeting is free, and one of our advisors can meet you in the comfort of your own home to discuss your retirement plans and answer any questions you may have.


Whether you are buying your first home, relocating, or simply want to take advantage of better interest rates by re-mortgaging, we can help.

One of our mortgage advisors will review the whole of the market to determine which mortgage type is best for you and identify the most competitive deals based on your personal circumstances and objectives. Initially, your advisor will also be able to carry out an affordability assessment and discuss your eligibility for a mortgage.

As whole of market advisors, we can search for the best possible deal that matches your specific criteria. Once you have found a property and you are ready to make an offer, we will submit your application on your behalf.  We will liaise with your solicitor on a weekly basis and keep you updated to every step of the process, and we will also discuss the various insurances you need to consider protecting the new mortgage and your buildings and contents.    

Your mortgage is a loan secured against your property, meaning if you can’t keep up with repayments, your home could be repossessed. To prevent this possibility, it is important to consider protection when taking out your mortgage, providing financial stability should your circumstances change.


Your home may be repossessed if you do not keep up with repayments on your mortgage.


We insure our homes, cars, valuables, and pets, but often we forget about the one thing that pays our monthly outgoings, You. We can offer protection, to ensure that you have available funds at the most difficult times in your life e.g., death, critical illness or long-term sickness or injury.

Planning for your family’s future can bring peace of mind that they will be financially stable, and their standard of life secured.

Protection planning can involve looking at life protection, critical illness covers and income protection. An independent financial advisor at Rock Financial Advisors can discuss with you the solutions most relevant for your specific needs and search the whole of the market to find the best possible offers.


Everyone’s circumstances are unique; however, we all share a common goal of trying to protect our assets and transfer our wealth with maximum efficiency to the next generation or our preferred causes.

At Rock Financial Advisors, our Independent Financial Advisors use a combination of experience and effective strategies to minimise the inheritance tax burden that your beneficiaries would be required to pay. We can provide you with the peace of mind of knowing that you can provide some certainty and financial security for your loved ones or your beneficiaries.


Inheritance tax (IHT) is calculated and payable on your estate upon death. This includes assets such as property, savings, and investments – even works of art, jewellery, and cars. Usually, if your estate is worth more than the £325,000 threshold set by the government, you will be eligible for IHT. However, if you pass your home (your main residence) on to a child or grandchild, then the threshold may be raised, depending on your circumstances, to £500,000 or even £1 million.

Many of us will be liable to inheritance tax and without a plan in place, settling your affairs after you go could leave your loved ones or beneficiaries with a large bill and copious amounts of paperwork. By planning, you can, not only significantly mitigate your inheritance tax bill, but also ensure you have enough money to live on and enjoy life now.

Our expert financial advisors can help create a succession plan to pass on your assets most effectively, and work with you to reduce or manage your inheritance tax bill.

Inheritance tax is currently charged at 40% on all your estate over your nil-rate band allowance. Fortunately, there are many ways to manage, reduce or eliminate inheritance tax bill.


A lifetime mortgage is a specialist option, usually for those in their later years that wish to access the value of their home, in the form of a lump sum or income. There are broadly two types to consider. You can either agree to pay a rate of interest for the remainder of your life, or until you sell the property; or agree to make no repayments and let the agreed rate of interest accrue and compound over the period until you die, move into long-term care, or decide to sell the property.

Importantly, you hold ownership of the property, and the loan is repaid when you die or go into long-term care. However, the impact of compounding interest over time, or the responsibility to pay interest from your retirement income sources, is significant and needs specialist financial advice.

You should speak to an independent financial advisor about the best solution for your financial needs, and when a further advance is suitable or not.