The Retirement Studio launches as AR of Rosemount Financial Solutions (IFA)
12 March 2026
Financial advice firm The Retirement Studio has launched as a protection and financial planning appointed representative (AR) of network Rosemount Financial Solutions (IFA).
The Retirement Studio has been set up by Emma Jones, founder of mortgage brokerage When The Bank Says No (WTBSN), alongside independent financial adviser Joe Farmer.
The Retirement Studio has been established to provide retirement planning, pension advice and investment solutions, expanding the group’s offering beyond mortgage advice to support clients with long-term financial planning.
The new venture will work closely alongside WTBSN, reflecting growing demand from clients for integrated advice that begins with property finance before evolving into broader wealth and retirement planning.
The founders said joining Rosemount gives them the regulatory infrastructure, compliance support and adviser community they need to build a long-term financial planning business, without the operational burden of becoming directly authorised.
Rosemount has welcomed a succession of both established and newly-launched advice firms, who want to deliver a more comprehensive, joined-up advice model. Last year it enjoyed significant growth in adviser numbers, welcoming 25 mortgage and protection advisers and 18 financial planners to its ranks.
Ahmed Bawa, CEO of Rosemount Financial Solutions (IFA), commented:
“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.”
Emma Jones, founder of When The Bank Says No and director of The Retirement Studio, 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.”
Joe Farmer, independent financial adviser at The Retirement Studio, 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.”
For more information on Rosemount Financial Solutions (IFA) Ltd, visit https://rosemountfs-ifa.co.uk.
For more information on The Retirement Studio, visit https://theretirementstudio.co.uk/.
