Financial advice firm The Retirement Studio has launched as a protection and financial planning appointed representative (AR) of Rosemount Financial Solutions (IFA).
The business has been established by Emma Jones, founder of mortgage brokerage When The Bank Says No, alongside independent financial adviser Joe Farmer.
The Retirement Studio will focus on retirement planning, pension advice and investment solutions, expanding the group’s offering beyond mortgage advice to support clients with long-term financial planning.
The venture will operate alongside When The Bank Says No, reflecting increasing demand from clients for integrated advice that begins with property finance before moving into broader wealth and retirement planning.
According to the founders, joining Rosemount provides the regulatory infrastructure, compliance support and adviser community needed to build a long-term financial planning business without the operational burden of becoming directly authorised.
Rosemount has recently seen growth in adviser numbers, welcoming 25 mortgage and protection advisers and 18 financial planners to its network over the past year.
Ahmed Bawa, CEO of Rosemount Financial Solutions (IFA), said: “Clients’ financial lives do not sit neatly in silos, and advisers who are able to deliver genuinely holistic advice are going to play an increasingly important role in the years ahead.
“The Retirement Studio is a great example of advisers recognising that shift and building a proposition designed around the full client journey.
“Launching within a network structure allows firms like this to focus on delivering high-quality advice while benefiting from the support they need to not only meet their regulatory obligations but to grow sustainably.
“We’re delighted to welcome Emma, Joe and the wider team to the Rosemount family and look forward to supporting them as their business develops.”
Jones said: “We built WTBSN to support clients who often felt overlooked by traditional mortgage finance, and The Retirement Studio is the natural next step in that journey, allowing us to help those same clients move beyond property and build long-term financial security.
“As more borrowers access the housing ladder later in life, the relationship between mortgages, pensions and retirement planning becomes far more interconnected. We want to ensure clients receive clear, joined-up advice throughout that entire journey.”
Farmer added: “Due to the age that many first-time buyers now get onto the ladder, the impact this has on retirement planning has become far more pronounced.
“Many clients are reaching later life with mortgages still in place, alongside evolving investment and pension considerations.
“The Retirement Studio has been created to address that challenge. By combining mortgage expertise with regulated retirement and investment advice, we can help clients navigate the full financial lifecycle in a way that is both practical and financially inclusive.”
