FirstLine Financial Scheme

Financial support for people who deal with emergencies every day.

The FirstLine Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for people working across ambulance and emergency response services.

It provides a clear, joined-up approach to financial and mortgage advice, designed around shift work, high-pressure roles, and unpredictable working patterns, helping individuals and organisations access regulated advice, education, and support in a practical and supportive way.

What is the FirstLine Financial Scheme?

The FirstLine Financial Scheme is not a financial product, not an emergency fund, 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 the realities of emergency response work.

Through FirstLine, 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 emergency response should I choose working with you?

Working in emergency response means dealing with high-pressure situations, unpredictable shifts, and emotional responsibility, often while your own financial decisions are pushed aside.

You may be juggling:

• Unsocial hours and rotating shifts
• Overtime and variable income
• Fatigue and limited time for financial planning
• Major life decisions alongside demanding work

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

Our approach focuses on:

• Explaining things in plain English
• Respecting your time and working patterns
• Considering your finances as a whole, not in isolation
• Helping you make informed decisions without added pressure

Advice is calm, respectful, and tailored, not rushed or transactional.

Why the FirstLine Financial Scheme exists

Emergency response professionals often face financial challenges that standard advice models do not fully reflect.

These can include:

• Variable pay due to overtime and shift patterns
• Difficulty engaging with advice during working hours
• Stress and fatigue impacting financial decision-making
• Limited access to sector-relevant financial education

The FirstLine Financial Scheme was created to provide a dedicated framework that recognises these realities and improves access, clarity, and confidence around financial decisions.

Alongside advice, FirstLine also focuses on financial education, helping emergency workers feel better informed and supported.

How the FirstLine Financial Scheme works

1. Initial conversation
       A straightforward discussion 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 emergency response roles.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of shift-based and variable income
• 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 feel difficult for people working irregular hours.

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

• Provide clear and transparent pricing
• Support employer-led or organisation-supported access routes
• Deliver financial education sessions or workshops for emergency service teams

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

Partnerships with emergency service organisations

The FirstLine Financial Scheme may operate in collaboration with:

• Ambulance trusts and services
• Emergency response organisations
• Air ambulance charities
• Emergency service foundations and professional bodies

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

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

What FirstLine can support with

Depending on individual circumstances, advice through FirstLine 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 FirstLine via Roxton Wealth?

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

We believe financial systems should support those working under pressure, not add to it.

Through FirstLine, 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 emergency workers
• Deliver advice in a calm, human, and fully regulated way

Important regulatory information

The FirstLine 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 FirstLine Financial Scheme.