CareCore Financial Scheme

Supporting those who support others.

The CareCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for anyone working within the care and support sector.

It provides a clear, joined-up approach to financial and mortgage advice, designed around the realities of care work, from front line roles to management and ownership, helping individuals and organisations access regulated advice, education, and support in a practical and accessible way.

What is the CareCore Financial Scheme?

The CareCore Financial Scheme is not a financial product, not a benefit scheme, and not a separate advisory firm.

It is a structured advice framework delivered by Roxton Wealth, created to make financial and mortgage advice more relevant, accessible, and understandable for people working in care.

Through CareCore, individuals and organisations can access:

• A tailored approach to regulated financial and mortgage advice
• Clearer explanations of options and next steps
• 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 the care sector should I choose working with you?

Working in care often means long hours, emotional responsibility, and putting others first, while your own financial decisions are left until last.

You may be dealing with:

• Demanding work patterns and limited time
• Variable income or multiple roles
• Rising living costs alongside caring responsibilities
• Uncertainty around borrowing, protection, or long-term planning

The CareCore Financial Scheme is designed to be supportive, clear, and practical.

Our approach focuses on:

• Explaining things in plain English
• Taking the time to understand your situation
• Considering your finances as a whole, not in isolation
• Helping you make informed decisions at a pace that works for you

Advice is calm, respectful, and tailored — not rushed or judgemental.

Why the CareCore Financial Scheme exists

Many people working in care struggle to access financial advice that feels relevant or affordable.

Standard advice models are often built around assumptions that don’t reflect:

• Care sector pay structures
• Shift-based or variable working patterns
• Multiple roles or employers
• The financial pressures faced by care workers and providers

CareCore exists to address this gap.

The CareCore Financial Scheme was created to provide a dedicated framework that recognises the realities of care work and aims to improve access, understanding, and confidence around financial decisions.

Alongside individual advice, CareCore also focuses on financial education, helping people working in care feel more informed and supported.

How the CareCore Financial Scheme works

1. Initial conversation
       We begin with a simple conversation to understand your role, circumstances, and priorities.
2. Information gathering
       Relevant information is reviewed so advice is based on real detail, not assumptions.
3. Advice meeting
       Financial and mortgage considerations are discussed together in a clear, joined-up way.
4. Recommendations and next steps
       Any recommendations are explained clearly and tailored to your individual needs.
5. Ongoing support
       Where appropriate, future reviews or continued support can be provided.

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 people working in the care sector.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of care sector working patterns
• Identify existing solutions that may be suitable
• Present client circumstances clearly where discretion may be available

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 access to regulated advice can sometimes feel difficult for people working in care.

Through the CareCore 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 workshops for care teams

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

Partnerships with care organisations and providers

The CareCore Financial Scheme may operate in collaboration with:

• Care homes and care groups
• Care agencies
• Supported living providers
• Care sector organisations and professional bodies

These partnerships may allow organisations to offer their staff structured access to regulated financial advice and education.

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

What CareCore can support with

Depending on individual circumstances, advice through CareCore may include:

• Mortgages and home buying
• Remortgaging and borrowing
• Protection planning
• Pensions and long-term financial planning
• Investments, where appropriate
• Managing financial change during life or career transitions

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

Why choose CareCore via Roxton Wealth?

CareCore is delivered by Roxton Wealth as part of our Specialist Schemes approach.

Our belief is that financial advice should be accessible, understandable, and supportive, especially for those who support others every day.

Through CareCore, we aim to:

• Improve access to regulated financial advice
• Support better financial understanding and confidence
• Work within existing systems while helping improve how they serve the care sector
• Deliver advice in a calm, human, and fully regulated way

Important regulatory information

The CareCore 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 CareCore Financial Scheme.