A new financial advice firm providing retirement planning, pension advice, and investment solutions, The Retirement Studio, has launched following authorisation from the Financial Conduct Authority (FCA).

The Retirement Studio has been launched by When The Bank Says No (WTBSN) founder, Emma Jones, and co-director, Joe Farmer.

WTBSN is a mortgage broking firm, with the new financial advice company set to dovetail with WTBSN and expand the group’s offering to support rising demand for integrated financial advice, where the focus starts with property finance before shifting to long-term financial planning.

The group said The Retirement Studio represented its next stage of growth, giving clients access to regulated retirement and investment advice after mortgage support.

It added that clients were increasingly asking for integrated financial guidance, especially as more mortgage holders approached retirement with ongoing mortgage commitments, investment needs, and long-term financial planning considerations.

The Retirement Studio is being led by Jones, while independent financial adviser Farmer will provide retirement and pension advice to clients.

“We built When The Bank Says No to help clients who felt let down by traditional mortgage finance,” said Jones.

“The Retirement Studio is the natural next step — ensuring we help those same clients not just secure property but build long-term financial security and wealth.

“As more borrowers access the ladder later in life and approach retirement with complex financial needs, access to clear, regulated advice across mortgages, pensions and investments has never been more important.”

Farmer added: “Due to the age that many first-time buyers now get onto the ladder, and how this impacts their retirements, advice around the challenges and opportunities they will face in later life has never been more important.

“The Retirement Studio is the perfect complement to When The Bank Says No, helping clients throughout the full financial lifecycle — from securing property finance to investing and planning for retirement. Crucially, we do all of this in a way that is financially inclusive from start to end.”

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