LedgerCore Financial Scheme

Clear financial support for people working in accountancy and audit.

The LedgerCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for professionals working across accountancy, audit, tax, and advisory roles within professional services firms.

It provides a joined-up approach to financial and mortgage advice, designed around structured career paths, partnership models, profit shares, and professional responsibility, helping individuals and firms access clear, regulated advice in a structured and dependable way.

What is the LedgerCore Financial Scheme?

The LedgerCore 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 accountancy and audit actually work, earn, and progress.

Through LedgerCore, individuals and organisations can access:

• A tailored approach to regulated financial and mortgage advice
• Clear 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 an accountancy or audit professional should I choose working with you?

People working in accountancy and audit often support others with complex financial decisions, while delaying their own planning.

You may be navigating:

• Structured career progression and promotion cycles
• Partnership or equity discussions
• Profit shares, drawings, or bonuses
• Increasing professional responsibility
• Limited time to step back and plan personally

The LedgerCore Financial Scheme is designed to provide clarity, structure, and confidence.

Our approach focuses on:

• Clear, plain-English explanations
• Understanding professional income and progression models
• Considering personal and professional finances together
• Supporting informed decisions without unnecessary complexity

Advice is professional, structured, and practical.

Why the LedgerCore Financial Scheme exists

Many financial advice models are built around simple employment structures and do not fully reflect the realities of professional services careers.

LedgerCore exists because people working in accountancy and audit often face:

• Delayed or fragmented financial planning
• Complex income and progression structures
• Partnership decisions with long-term implications
• Limited access to relevant financial education

The LedgerCore Financial Scheme was created to provide a dedicated framework that supports better planning, understanding, and long-term outcomes.

Where appropriate, we also engage with regulated providers to:

• Better understand how criteria applies to professional income
• Explore areas where interpretation or clarification may support better outcomes
• Present client circumstances clearly and robustly where discretion may be available

How the LedgerCore Financial Scheme works

1. Initial conversation
       A structured 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, not in isolation.
4. Recommendations and next steps
       Any recommendations are clearly explained, suitability-led, and tailored to you.
5. Ongoing support
       Where appropriate, continued 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 accountancy and audit professionals.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of partnership, profit share, or professional 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 financial advice can sometimes feel unclear or delayed within professional services environments.

Through the LedgerCore 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 professional 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 accountancy and advisory firms

The LedgerCore Financial Scheme may operate in collaboration with:

• Accountancy practices
• Audit and advisory firms
• Professional services partnerships
• Industry networks and associations

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

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

What LedgerCore can support with

Depending on individual circumstances, advice through LedgerCore may include:

• Mortgages and borrowing
• Protection planning
• Pensions and long-term financial planning
• Investments, where appropriate
• Cashflow and financial structuring
• Managing financial change around promotion or partnership

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

Why choose LedgerCore via Roxton Wealth?

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

We believe financial advice for accountancy and audit professionals should be structured, clear, and grounded in how the profession actually operates.

Through LedgerCore, 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 professional services
• Deliver advice in a calm, professional, and fully regulated way

Important regulatory information

The LedgerCore 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 LedgerCore Financial Scheme.

‍