Specialist Schemes are not separate firms, brands, or products.

They are tailored approaches to regulated financial and mortgage advice, developed around the realities of specific professions and working environments.

Each scheme is shaped to reflect:

• How income is earned and structured
• Typical career paths, progression, and transitions
• Sector specific benefits, risks, and pressures
• Real world affordability, cashflow, and lifestyle considerations

This allows advice to be more relevant, practical, and aligned with how our clients
actually live and work.

1. Tailored advice frameworks

Each Specialist Scheme is built on a clear understanding of the profession it serves.

Each Specialist Scheme is built on a clear understanding of the profession it serves.

Advice is shaped to reflect:

• Employment terms, contracts, and working patterns
• Variable, multiple, or non-standard income sources
• Career breaks, progression, and long term planning needs
• Time constraints and lifestyle pressures

This ensures advice is practical, realistic, and appropriate, not generic.

2. Working with providers

Where appropriate, we engage with a range of regulated providers, including lenders, insurers, pension, SIPP, and investment providers, to better understand how products, features, and criteria apply to specific professions, and to explore potential areas for improvement or clarification where appropriate.

Each Specialist Scheme is built on a clear understanding of the profession it serves.

This allows us to:

• Navigate lending, protection, pension, and investment options more effectively
• Interpret criteria in the context of non-standard income or employment  structures
• Identify existing products that may be particularly suitable for certain  professional groups
• Present client circumstances clearly and robustly to providers, and request  consideration where discretion may be available

Any provider engagement does not guarantee changes to products, pricing, or criteria.
All recommendations remain individual, regulated, and suitability based, in line with FCA requirements.

3. Improving access and affordability

We recognise that access to regulated advice can sometimes feel out of reach.

Each Specialist Scheme is built on a clear understanding of the profession it serves.

Through our Specialist Schemes, we aim, where appropriate to:

• Improve access to advice for certain professional groups
• Explore transparent and fair pricing structures
• Support workplace or organisation led advice initiatives
• Present client circumstances clearly and robustly to providers, and request  consideration where discretion may be available

Any pricing arrangements are applied fairly, clearly disclosed, and fully compliant with regulatory standards.

4. Employer and organisational partnerships

Some Specialist Schemes operate in collaboration with employers, professional bodies, or organisations.

Each Specialist Scheme is built on a clear understanding of the profession it serves.

In these cases, staff or members may be offered:

• Structured access to regulated financial and mortgage advice
• Education sessions or guidance tailored to their sector
• A clear pathway to individual advice when needed
• Present client circumstances clearly and robustly to providers, and request  consideration where discretion may be available

All advice is provided independently and in the client’s best interests, regardless of any partnership arrangement.

Specialist Schemes are designed for professional groups whose financial needs are not always well served by standard advice models.

We currently operate a number of Specialist Schemes and continue to review, refine, and expand them as we identify additional professions that would benefit from a more tailored approach.

A Specialist Scheme may be developed where a profession typically involves:

• Complex or non-traditional income structures
• Sector-specific benefits, risks, or employment terms
• Demanding working patterns or limited access to tailored advice
• Evolving career paths or frequent life transitions

Each Specialist Scheme is clearly defined, reviewed regularly, and delivered within the same regulatory standards that apply to all advice provided by Roxton Wealth.

Most advisory firms operate on a one size fits all basis.

Our Specialist Schemes are built on a different belief:

Good financial advice should adapt to people’s lives — not force people to adapt to financial systems.

• Complex or non-traditional income structures
• Sector-specific benefits, risks, or employment terms
• Demanding working patterns or limited access to tailored advice
• Evolving career paths or frequent life transitions

By combining sector understanding, professional insight, and regulated advice, our Specialist Schemes aim to deliver clarity, confidence, and better outcomes for those whose financial lives are anything but standard.

All Specialist Schemes are delivered by Roxton Wealth.

They are not separate legal entities or advisory firms.

All financial and mortgage advice:

• Is provided on an individual basis
• Is subject to full suitability assessments
• Complies with FCA regulatory requirements
• Prioritises the client’s best interests at all times

By combining sector understanding, professional insight, and regulated advice, our Specialist Schemes aim to deliver clarity, confidence, and better outcomes for those whose financial lives are anything but standard.