Aviation Financial Scheme

Clear financial support for people working in aviation.

The Aviation Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for people working across the aviation industry, including flight crew, cabin crew, technical professionals, and aviation contractors.

It provides a joined-up approach to financial and mortgage advice, designed around international work patterns, variable income, contractual employment, and the unique risks associated with aviation careers, helping individuals and organisations access clear, regulated advice with confidence.

What is the Aviation Financial Scheme?

The Aviation Financial Scheme is not an airline benefit, not a union programme, and not a separate advisory firm.

It is a structured advice framework delivered by Roxton Wealth, created to ensure that financial and mortgage advice reflects how aviation professionals actually work, earn, and manage risk throughout their careers.

Through this scheme, individuals and organisations can access:

• Clear explanations of complex income and employment structures
• Structured access to financial education and guidance
• A consistent, transparent advice journey

All advice is provided on an individual basis, following full suitability assessments and FCA regulatory requirements.

Why as someone working in aviation should I choose working with you?

Careers in aviation carry high responsibility, strict standards, and unique pressures yet financial advice often fails to reflect this reality.

You may be navigating:

• International or rotational working patterns
• Income paid in multiple currencies
• Employment via agencies or overseas contracts
• Career disruption due to medical or operational changes
• Complex affordability assessments for borrowing
• Pensions and protection needs that are often misunderstood

The Aviation Financial Scheme is designed to provide clarity, structure, and reassurance.

Our approach focuses on:

• Understanding how aviation careers and contracts work
• Explaining financial decisions clearly and calmly
• Taking a whole-picture view of finances and risk
• Supporting confident decision-making without unnecessary complexity

Advice is professional, measured, and suitability-led.

Why the Aviation Financial Scheme exists

Many aviation professionals face barriers when accessing financial advice that truly understands their working environment.

This scheme exists because:

• Income and contracts are often non-standard
• Lenders frequently misunderstand aviation pay structures
• Career risk management is critical but under-addressed
• Access to tailored financial education is limited

The Aviation Financial Scheme was created to provide a dedicated framework that improves access, understanding, and long-term financial resilience for people working in aviation.

How the Aviation Financial Scheme works

1. Initial conversation
       A structured discussion to understand your role, employment type, and priorities.
2. Information gathering
       Relevant financial and employment information is reviewed in detail.
3. Advice meeting
       Financial and mortgage considerations are discussed together in a joined-up way.
4. Recommendations and next steps
       Any recommendations are clearly explained, suitability-led, and tailored to your circumstances.
5. Ongoing support
       Where appropriate, continued reviews or future planning support are provided.

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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 and criteria apply to aviation professionals.

This allows us to:

• Navigate lending options more effectively
• Interpret criteria in the context of aviation contracts and income
• Identify suitable solutions where available
• Present client circumstances clearly where discretion may be applied

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

Accessibility and education

We recognise that aviation professionals often work irregular hours and across time zones.

Through the Aviation Financial Scheme, we aim where appropriate to:

• Provide clear and transparent pricing
• Support employer-led or organisation-supported access to advice
• Deliver financial education sessions or guidance tailored to aviation roles

In some cases, scheme-led or organisation-supported arrangements may allow advice to be offered on preferential terms, subject to transparency and regulatory requirements.

Partnerships with aviation organisations

The Aviation Financial Scheme may operate in collaboration with:

• Airlines and aviation operators
• Aviation service providers
• Professional aviation organisations and networks

These partnerships may allow structured access to regulated financial advice and education for aviation professionals.

All advice provided through this scheme remains independent, individual, and in the client’s best interests, regardless of any partnership arrangement.

What the Aviation Financial Scheme can support with

Depending on individual circumstances, advice through this scheme may include:

• Mortgages and complex borrowing
• Protection planning
• Pensions and long-term financial planning
• Investments, where appropriate
• Managing international income and cashflow
• Financial planning around career transitions or medical changes

Any advice provided is tailored to the individual and subject to full suitability assessments.

Why choose the Aviation Financial Scheme via Roxton Wealth?

The Aviation Financial Scheme is delivered by Roxton Wealth as part of our Specialist Schemes approach.

We believe financial advice for aviation professionals should be precise, structured, and grounded in real-world aviation risk and responsibility.

Through this scheme, we aim to:

• Improve access to regulated financial advice
• Support better financial understanding and confidence
• Work within existing systems while helping clients navigate them more effectively
• Deliver advice in a calm, professional, and fully regulated way

Important regulatory information

The Aviation Financial Scheme is delivered by Roxton Wealth. It is not a separate legal entity or advisory firm.

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

Book an initial conversation

For individuals or organisations exploring access to the Aviation Financial Scheme.