FAQS

Our office is accessible by bus, train, and car. The following buses stop less than one minute walk away: N1, 51, 53, 54, 96, 99, 122, 161, 177, 178, 180, 244, 291, 380, 386, 422, 469, 472, 658. The nearest train station is Woolwich Arsenal or DLR Station Thameslink, South-Eastern and Elizabeth line. For those who drive, parking is available at nearby car parks located less than 5 minutes away with the following postcodes: SE18 6RF – Woolwich Arsenal Train Station Car Park, and Vincent Road SE18 6ED – Tesco Extra Car Park.

No, we provide a free initial consultation at our office. Our goal is to help you achieve your desired future, and we will actively listen to your needs and goals during the consultation.

We will let you know what documents to bring during your inquiry. Typically, we will require your ID, a list of your income, expenses, assets, and debts, and a written list of questions and your goals for the short, medium, and long term.

Usually, 90 minutes to two hours is sufficient for an initial meeting.

You can call us on 0203 674 2929, email us at admin@therockfmc.com, or visit our office and speak to one of our receptionists. Alternatively, you can complete the ‘Contact us‘ form on our website.

Yes, we are 100% independent.

Yes, we are directly authorized and regulated by the Financial Conduct Authority (FCA).

We provide bespoke financial planning services, and the cost varies depending on your specific circumstances and goals. We do not charge for an initial consultation, and we will explain the cost for our services after learning more about your situation during the consultation.

Our fees are always transparent, and we will explain them in detail before we start working together. Our initial fees are fixed, so you will know the cost before we begin.

The service we offer is called “intermediation,” where advice is given to facilitate the arrangement of a financial product or service between the client and the product provider. Intermediation services are not subject to VAT, but VAT may be charged if the advice becomes ancillary to the service. Adviser fees made for full advice services or ongoing services related to intermediation services remain VAT-free. However, if VAT becomes due in the future, clients will be notified before any work is done, and it will be charged in addition to the agreed fee.

Yes, we embrace technology and offer video conferencing services on Zoom,Teams etc. However, we will always be available to talk to our clients over the phone.

Our clients come from all walks of life and reside both near and far, including some overseas.

Yes, we abide by GDPR regulations.

Yes

FAQ 17.

WHO DO YOU WORK WITH BEST?

We enjoy long-term relationships with people who are happy to work with experts, understand that returns cannot be guaranteed, want to live their best future because life is not a rehearsal, and are nice to work with.

Yes, we record all calls and meetings for our clients for protection and to ensure we do not miss anything in accordance with data protection requirements. If we do not continue to work together, then rest assured that your information is deleted. We always seek consent from our clients before any recording is done.

We are open Monday to Friday between 9:30 – 6:00pm

For Non-investment protection contracts: we are an intermediary and will act on your behalf when providing advice and making our personal recommendation(s) to you.

Mortgages: We are independent mortgage advisers and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.

Investment: We provide independent investment advice. We will consider a range of regulated products from the available market that can meet the investment objectives of a retail client. But we will only provide a recommendation to you when we know the product is suitable for your personal circumstances. You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise you may not get back the full amount invested.

Lifetime Mortgages or Equity release: We are independent equity release advisers, and we will recommend a product that is suitable for you following an assessment of your personal needs and circumstances.

Unregulated mortgages It is important to point out that not all mortgage loans and services are regulated by the Financial Conduct Authority. Some of the advice and services we provide may relate to loans which are either unregulated or have limited consumer protection. We will confirm to you if any product we are recommending is not regulated by the FCA. You should note that if we are arranging a “Buy-to-Let” mortgage for you, it is very important to understand that very few Buy-to-Let mortgages are regulated by the Financial Conduct Authority (FCA). We will confirm to you if any product we are recommending is a Business Loan; a Business Buy-to-Let;or a Consumer Buy-to-let loan.