EduCore Financial Scheme

Clear financial support for people shaping education.

The EduCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for people working across schools, colleges, and universities.

It provides a joined-up approach to financial and mortgage advice, designed around the realities of education careers, including structured pay scales, pension schemes, leadership responsibilities, and limited time for financial planning, helping individuals and organisations access clear, regulated advice in a supportive and practical way.

What is the EduCore Financial Scheme?

The EduCore Financial Scheme is not a financial product, not an employment benefit, 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 people in education actually live, work, and progress through their careers.

Through EduCore, individuals and organisations can access:

• A tailored approach to regulated financial and mortgage advice
• Clearer explanations of financial decisions and long-term planning
• 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 education should I choose working with you?

Education professionals often dedicate their time and energy to supporting others while their own financial planning is pushed aside.

You may be navigating:

• Structured or capped pay scales
• Pension schemes that are complex or misunderstood
• Career progression linked to life stages
• Limited time to focus on financial decisions
• Major commitments alongside professional responsibility

The EduCore Financial Scheme is designed to be clear, calm, and practical.

Our approach focuses on:

• Explaining financial matters in plain English
• Understanding how education careers develop over time
• Taking a whole-picture view of finances, not isolated decisions
• Supporting confident decision-making without pressure

Advice is supportive, structured, and tailored, not rushed or sales-led.

Why the EduCore Financial Scheme exists

Many education professionals are supported by defined benefit pension schemes and structured employment models — yet often lack access to clear, relevant financial advice.

EduCore exists because:

• Pension benefits are frequently misunderstood or under-used
• Financial planning is often delayed until later career stages
• Standard advice models do not always reflect education career paths
• Access to financial education within education settings can be limited

The EduCore Financial Scheme was created to provide a dedicated framework that improves understanding, access, and long-term confidence around financial decisions.

Alongside advice, EduCore also places emphasis on financial education, helping education professionals feel better informed and supported.

How the EduCore Financial Scheme works

1. Initial conversation
       A straightforward discussion to understand your role, career stage, and priorities.
2. Information gathering
       Relevant information is reviewed so advice is based on real 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 you.
5. Ongoing support
       Where appropriate, ongoing reviews or future 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 education professionals.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of education pay structures
• 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 financial advice can sometimes feel unclear or difficult for people working in education.

Through the EduCore 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 education teams

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 schools and education organisations

The EduCore Financial Scheme may operate in collaboration with:

• Schools and academies
• Colleges and universities
• Multi-academy trusts
• Education-focused organisations and networks

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

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

What EduCore can support with

Depending on individual circumstances, advice through EduCore may include:

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

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

Why choose EduCore via Roxton Wealth?

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

We believe financial advice for education professionals should be clear, accessible, and grounded in how education careers actually work.

Through EduCore, 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 education professionals
• Deliver advice in a calm, human, and fully regulated way

Important regulatory information

The EduCore 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 EduCore Financial Scheme.