About us


We find the right solution for people in or approaching retirement. We operate through mutually beneficial relationships with well-known brand partners. We don't only recommend suitable financial products, we work alongside partners to transform customers' lives in retirement.

We believe that this is what makes us different.

We offer a range of services spanning the retirement income and equity release markets. You can pick and mix from our service offerings to suit your customer and commercial needs. We'll work with you to produce tailor-made, co-branded or white labelled solutions.

Working with HUB Financial Solutions

HUB Financial Solutions provides a wide range of retirement solutions to businesses. This includes partnering with organisations to provide financial education and advice, offering software solutions to employers, pension scheme trustees and employee benefit consultancies as well as providing a referral service to support advisory firms. We also develop bespoke retirement solutions for life companies and financial institutions.

If you have a special project or development related to retirement, we can help. Our team of experienced consultants, developers, designers, analysts and testers have acquired significant expertise in the retirement market specialising in proposition construction, web-based application, design and delivery. We also have in-house advised and non-advised capabilities that can be deployed as part of any solution.

Whatever your requirements, let's explore how we could help your business develop.

We are a part of Just

HUB Financial Solutions is part of the Just Group plc. The Just Group is a FTSE-listed specialist UK financial services company created by the merger of Just Retirement Group and Partnership Assurance Group and is a leader in the individual retirement income market.

The Group has more than 1,000 employees across three key sites in London, Belfast and Reigate.

Whilst we are proud to be part of the Group, HUB Financial Solutions is a separately regulated firm. We have clear conflict of interest controls and governance procedures in place to help ensure separation between our operations and those of the life companies in the Group.

Our history

In 2006, what was then Just Retirement Group launched its own distribution capability with Just Retirement Solutions Limited (JRS). This started as an equity release advisory business, working with affinity partners to advise on and recommend equity release from a range of providers. JRS extended its services in 2008 to include the annuity service, a software and service capability that works with affinity and aggregator partners to arrange annuities on a non-advised basis.

This non-advised service was extended to encompass the new post pension freedom product offerings, and JRS also added a regulated advice capability to the service proposition on both a simplified and a restricted basis.

In 2010, The Open Market Annuity Service (TOMAS) was acquired by the group. TOMAS was a provider of software and service solutions supporting all types of intermediaries who advise on and arrange annuities.

In 2017, JRS and TOMAS were merged to form HUB Financial Solutions. This evolution allows us to better respond to the ever more complex solutions required by our partners and ensures that we remain at the forefront of innovation in our chosen markets.

HUB Financial Solutions is authorised and regulated by the FCA.

See what some of our partners say...

"The relationship we have with HUB Financial Solutions is a true partnership. UKAR does not have a conventional business model, but HUB took the time to fully understand what we were trying to achieve to help us achieve our aims in a mutually beneficial manner, at the same time as delivering the right outcomes for our customers. We have also worked together to investigate new solutions for our customers with interest only mortgages, which has provided us with valuable learnings." Dave Andrews, UK Asset Resolution