The Retirement Studio has launched as a protection and financial planning appointed representative (AR) at network, Rosemount Financial Solutions (IFA).

The financial advice firm has been established by Emma Jones, founder of mortgage brokerage When The Bank Says No (WTBSN), and independent financial adviser, Joe Farmer.

The Retirement Studio provides 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 work alongside WTBSN, reflecting growing demand from clients for integrated advice, beginning with property finance before evolving into broader wealth and retirement planning.

The Retirement Studio’s founders said joining Rosemount provides 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.

The network has recently welcomed a number of established and newly-launched advice firms who want to deliver a more comprehensive, joined-up advice model.

Last year, it welcomed 25 mortgage and protection advisers and 18 financial planners to its ranks.

Chief executive officer at Rosemount, Ahmed Bawa, 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 concluded: "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."

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