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Ahmed Bawa, CEO, Rosemount Financial Solutions (IFA), spoke regarding the pension gender gap. He stated, 'Women are retiring with significantly smaller pension pots than men, a situation that only looks like getting worse without real action.' Ahmed called on advisers to have 'frank conversations' to enact real change.

According to UK Finance, roughly 1.8 million borrowers will see their fixed rate mortgages expire. Ahmed Bawa, CEO of Rosemount Financial Solutions (IFA) states ‘2025’s remortgaging surge is far from a one-size-fits-all scenario.’ Advisers now have a crucial role to play in helping their clients ensure they get the best product available, with each individual’s situation varying from the next. Learning what is best for each individual is key from the advisers.

CEO of Rosemount Financial Solutions (IFA), Ahmed Bawa, has spoken on advisers connecting with younger people. He stated that the industry ‘need to work harder at connecting with young people.’ There are challenges facing advisers who want to connect with younger people, but social media is a key asset. Young people represent an opportunity in the here and now.

Ahmed Bawa, CEO of Rosemount Financial Solutions (IFA), states being in a network is about industry contacts and relationships. With a volatile market, having a network to lean on is important. Rosemount advisers have access to a complete CRM system that assists in searching for mortgages and accessing products only available through intermediaries.

Ahmed Bawa, CEO of Rosemount Financial Solutions (IFA), explains how to we must continue to make the financial advice sector younger. With the rising average age of financial advisers there is a need to look to younger people to continue to develop financial advice. In an ever changing sector one of the ways to keep up with younger people is the use of social media. Internships are also key to helping people when they come out of school, college and university, which offers real life experience working alongside advisers. This gives people a chance to learn about a role many people claim to fall into, and to develop and learn more about the industry. ", This poses financial challenges for advisers who have built long-term relationships. Ahmed stresses the need for advisers to understand network terms—especially commission rates—and to seek feedback from existing members. He advocates for a market where advisers can freely choose networks that suit their needs, arguing that concerns over contracts should not hinder them from moving if they are unhappy.

Our CEO, Ahmed Bawa, explained that the Financial services industry is striving to attract younger talent, though many school leavers are unaware of the profession or see it as something people “fall into.” To change this perception, businesses must highlight the career’s benefits, such as good income, flexibility, and personal fulfillment, while offering clear pathways like internships. Programs such as Rosemount’s internship offer valuable hands-on experience and build confidence in young advisers. Greater outreach via social media and schools is essential to raise awareness and attract more young people to the industry.

The latest Mortgage Market Tracker from IMLA shows rising confidence among mortgage brokers, with 94% feeling positive, up from 88% last quarter. This boost, linked to growing business, is also seen at Rosemount Financial Solutions (IFA) Ltd. Brokers face a key decision: operate independently as directly authorised (DA) or join a network as appointed representatives (AR). Contrary to misconceptions, ARs maintain control while benefiting from network support, including help with expanding services like wealth management and easing compliance burdens.

In this article our CEO, Ahmed Bawa highlights that saving into a pension is only the beginning; real value comes from smart investment choices. The FCA’s new framework aims to improve transparency and trust by helping savers and advisers compare pension schemes more effectively. However, Ahmed emphasises that transparency alone isn’t enough—advisers are essential in guiding clients to use this information to build strong long-term financial plans.

In this new article Ahmed explains the trend of extending mortgages into retirement is rising due to affordability issues, increasing the need for later life lending. Longer mortgage terms, particularly among first-time buyers, help with short-term affordability but raise long-term costs and financial risks. For those over 70, lenders often require proof of retirement income, complicating mortgages for those without pensions. Recent data shows a sharp increase in long-term mortgages, underscoring the importance of expert advice to navigate these financial challenges. You can read the full article by clicking the link below:

Our CEO of Rosemount Financial Solutions (IFA) Ltd Ahmed Bawa, asserts that understanding remortgages is essential for brokers’ survival in the current market. With new mortgage business limited, remortgaging provides an opportunity to review clients’ financial situations and increase income. The UK mortgage market is experiencing significant remortgage activity, with many borrowers seeking stability amid rising interest rates. Brokers can use remortgaging to offer comprehensive advice, enhancing earnings through referral fees. Ahmed stresses early and regular client contact and the importance of client retention. He anticipates growth in remortgage opportunities as lenders innovate and clients opt for longer mortgage terms. The introduction of lifetime fixed-rate mortgages may also offer new challenges and opportunities for brokers.

In a recent article published in the Mortgage Strategy, our CEO Ahmed Bawa discusses how he navigated the complexities of transitioning from a one-man band to a multi-adviser business. He highlights the excitement this transformation brings to any firm. Ahmed also identifies potential challenges and offers tips for managing them. Other topics covered include employment structure, handling broker contracts, and setting both basic and bonus elements of remuneration. To read the full article, please turn to page 44 of the online magazine.

In Ahmed’s latest blog post with BestAdvice, he reiterated the importance of supporting advisers in growing their businesses, especially in a challenging market. He emphasised the role of continuous professional development, innovative marketing strategies, and leveraging technology. Ahmed also highlighted success stories from our network, showing how personalised guidance and robust support can transform an adviser’s business. By focusing on these key areas, Rosemount ensures advisers are prepared to navigate current challenges and thrive in the future.

Ahmed Bawa, CEO of Rosemount Financial Solutions, stresses the pivotal role of financial advisers in guiding clients towards improved financial health and long-term wealth accumulation. Despite the benefits of investing, many clients are apprehensive due to perceived risks, preferring the safety of bank accounts over shares and worrying about potential losses. Ahmed highlights the drawbacks of a cautious cash-only approach, noting its failure to beat inflation, resulting in diminished real value over time compared to stock and share investments.

Published in the IFA Magazine, Ahmed Bawa has seen that in recent years there have been increased efforts to address the gender pay gap, with mandatory reporting for larger firms. However, the financial gender gap extends to pensions as well. Studies show women face challenges in pension saving, with some opting out due to affordability concerns. Women also tend to start saving later, resulting in significantly smaller pension pots compared to men. Advisers play a crucial role in educating and building trust with female clients regarding pension saving. While discomfort with long-term saving exists, advisers can help clients understand its importance and navigate pension options effectively. Increasing the presence of female advisers can further enhance communication on these matters. Support structures within financial networks are vital for advisers to address obstacles effectively. Collaboration among advisers can enable knowledge sharing and skill development. Tackling insufficient pension savings, especially among women, requires concerted efforts from networks to empower advisers in guiding clients toward more comfortable retirements.

Published in Mortgage Solutions, our CEO, Ahmed Bawa, highlights the rising mortgage trends, indicating a busy time for brokers. The Financial Conduct Authority (FCA) estimates that around one-and-a-half million borrowers are up for remortgage this year. Additionally, he acknowledges the diverse considerations among borrowers, with some prioritising the cost-effectiveness of advice and others placing greater emphasis on the brokerage’s ethos and values.

In our latest article, our CEO, Ahmed Bawa, explains that in 2024, interest rates are dropping significantly. This trend is especially noticeable in the mortgage market, where lenders are continuously lowering rates to draw in customers. With inflation seemingly under control, the time of increasing base rates appears to be over, leading to talks about possible rate decreases. This change impacts both people borrowing and people saving. Savings rates are dropping, and there are fewer options for products. However, savers can take advantage of better returns compared to inflation, even though it might mean locking in their money for longer. Individual Savings Accounts (ISAs) are becoming more important, giving tax-free returns, especially as more savers might have to pay taxes on their returns with better savings rates.

Ahmed Bawa, our CEO, highlights the resurgence of annuities among retirees due to improved rates and economic uncertainty, emphasising the challenges faced by advisers and the need for support from networks prioritising education in diverse financial products.

In 2024, 1.6 million fixed mortgages end with fluctuating rates. Brokers, led by Rosemount’s CEO Ahmed Bawa, guide on transfers or switching lenders. Despite being cost-effective, transfers limit access to new lender products. The decision depends on factors like property value and financial situation, requiring clear communication to clients facing the changing mortgage market in 2024.

In the latest edition of the Intermediary magazine, our CEO, Ahmed Bawa, delves into the heart of Rosemount’s ethos and the Rosemount culture. Ahmed passionately discusses his commitment to fostering a workplace atmosphere that mirrors our values and principles. At the core of this commitment is our pledge to treat advisers with the same respect and consideration that we would wish for ourselves. Central to Rosemount’s philosophy is the empowerment of advisers to provide comprehensive and holistic financial planning solutions to their clients. Ahmed sheds light on how we actively nurture an environment where advisers are not only supported but encouraged to go above and beyond in assisting clients at every juncture of their financial journey. Ahmed talks about the vision of our network, envisioning advisers as steadfast companions to clients through every significant life event. From the exhilarating experience of purchasing a first house to the nuanced and sometimes challenging protection conversations that ensue, our advisers are dedicated to guiding clients with expertise and empathy.

This article series explores the role of mortgage advisers, covering an overview and examining potential earnings. These professionals guide clients, especially first-time homebuyers, through the intricate process of securing suitable mortgage deals. The role offers benefits such as uncapped earning potential, flexible schedules, entrepreneurial opportunities, and access to leads. Additionally, the article outlines various mortgage adviser roles, emphasising the diverse responsibilities within the field, ranging from trainee to senior positions.

Recently published in the IFA online magazine, our CEO Ahmed Bawa, believes that the new government under Prime Minister Sir Keir Starmer could bring much-needed stability to the financial services sector, following a period of significant instability during previous administrations. He notes potential anxieties about government spending and its impact on inflation. Ahmed also highlights possible changes to pension allowances and inheritance tax, which could affect clients’ long-term financial planning and career decisions. Additionally, he mentions the emerging influence of new political parties like Reform and the Green Party on the financial services industry.

Are you an adviser looking to connect, share insights, and learn from your peers? Look no further! Join us in a dynamic forum chat where advisers from around the country are coming together to discuss industry trends, best practices, and emerging opportunities. Join our cherry – Financial Services Forums topic!

Rosemount Financial Solutions (IFA) recently conducted a Protection Masterclass, unveiling three key takeaways: the importance of personalised follow-ups, presenting clients with multiple options and quotes, and using templates to explain protection benefits. This event aimed to enhance advisors’ ability to meet evolving client protection needs. Presentations by Michael Welton and Iain Pollock covered strategies for boosting protection conversions and sales tips. CEO Ahmed Bawa emphasised the growing interest in protection and the role of structured client experiences and personalised follow-ups in achieving better client outcomes.

Tune in for an insightful interview with our Director, Ahmed Bawa. Dive into Rosemount’s history, pivotal moments, and our steadfast dedication to innovation that sets us apart in the competitive financial industry. Gain valuable insights into Ahmed’s predictions for the future of the mortgage market and acquire informative perspectives on both the industry and the company as a whole.