Up till now we've always covered the ground in the shrub and flower beds
with wood derived mulch.

Now we've decided we like the looks of rocks in place of the old mulch and
are wondering if there any associated problems.

What about fertilizing? Can we just distribute the granular types on top of
the rocks?
Anything that we should be aware of before we spend the money on the rocks?

Our home is in Central Florida.

Thanks for any advice.