Supporting healthcare professionals at the core of private practice.

The MedCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for self-employed and private healthcare professionals.

It provides a joined-up approach to financial and mortgage advice, designed around private practice, business ownership, and complex income structures, helping individuals and organisations access clear, regulated advice in a structured and practical way.

What is the MedCore Financial Scheme?

The MedCore Financial Scheme is not a financial product, not a membership club, and not a separate advisory firm.

It is a structured advice framework delivered by Roxton Wealth, created for healthcare professionals whose finances sit at the intersection of business and personal life.

Through MedCore, individuals and organisations can access:

• a tailored approach to regulated financial and mortgage advice
• clearer understanding of options where income and business structures are complex
• 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 a private or self-employed healthcare professional should I choose working with you?

When you work in private or self-employed healthcare, your finances are rarely straightforward.

You may be balancing:

• Multiple income streams
• Business and personal borrowing
• Tax and cash flow considerations
• Long-term planning alongside day-to-day pressures
• Major life decisions while running a practice or clinic

Standard advice often looks at these areas in isolation.

The MedCore Financial Scheme is designed to take a whole picture view, helping you understand how decisions in one area affect everything else, without jargon or unnecessary complexity.

Advice is structured, practical, and focused on helping you make informed decisions with confidence.

Why the MedCore Financial Scheme exists

Traditional financial advice models are not always designed for healthcare professionals who operate as business owners, contractors, or partners.

MedCore exists because private and self-employed healthcare professionals often face:

• Complex and variable income structures
• Overlapping business and personal financial decisions
• Lending and affordability assessments that require clear explanation
• Limited time to navigate financial complexity alone

The MedCore Financial Scheme was created to provide a dedicated framework that recognises these realities.

Where appropriate, we also engage with regulated providers to:

• Better understand how criteria apply to self-employed and private healthcare income
• Explore areas where interpretation or clarification may support better outcomes
• Present client circumstances clearly and robustly where discretion may be available

Alongside advice, MedCore aims to improve clarity, access, and understanding, working within the system while advocating for better alignment with real-world professional lives.

How the MedCore Financial Scheme works

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1. Initial conversation
       We begin by understanding your role, income structure, business interests, and personal goals.
2. Information gathering
       Relevant financial and business information is reviewed to ensure advice is based on real detail.
3. Advice meeting
       Financial, mortgage, and planning considerations are discussed together, not in silos.
4. Recommendations and next steps
       Any recommendations are clearly explained, suitability-led, and tailored to your circumstances.
5. Ongoing support
       Where appropriate, ongoing reviews or future support can be provided as circumstances evolve.

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, features, and criteria apply to private practice and self-employed healthcare professionals.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of complex income 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 advice can sometimes feel fragmented or unclear for self-employed professionals.

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

• Provide clear and transparent pricing
• Support structured access to advice for professional groups
• Deliver financial education sessions or workshops for practices and clinics

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

Partnerships with practices, clinics, and professional bodies

The MedCore Financial Scheme may operate in collaboration with:

• GP practices and federations
• Dental practices and groups
• Private clinics and hospitals
• Professional associations and healthcare bodies
• Optometrists
• Pharmacists
• Physiotherapy clinics

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

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

What MedCore can support with

Depending on individual circumstances, advice through MedCore may include:

• Mortgages and borrowing (personal and, where appropriate, business related)
• Protection planning
• Pensions and long-term financial planning
• Investments, where appropriate
• Cashflow and financial structuring
• Managing financial change during business growth or career transitions

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

Why choose MedCore via Roxton Wealth?

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

Our belief is that financial systems should work around people’s professional realities not the other way around.

Through MedCore, we aim to:

• Provide clarity where complexity exists
• Support better financial understanding for business-led professionals
• Work within existing systems while helping improve how they serve self-employed healthcare professionals
• Deliver advice in a calm, structured, and fully regulated way

Important regulatory information

The MedCore 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 MedCore Financial Scheme.