WellCore Financial Scheme

Supporting the people who support wellbeing.

The WellCore Financial Scheme is a Specialist Scheme delivered by Roxton Wealth for professionals working across mental health, therapy, allied health, and wellbeing.

It provides a joined-up approach to financial and mortgage advice, designed around practice based work, self-employment, mixed income, and people-focused professions helping individuals and organisations access clear, regulated advice in a calm and supportive way.

What is the WellCore Financial Scheme?

The WellCore Financial Scheme is not a financial product, not a wellbeing programmes, 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 working in mental health, therapy, allied health, and wellbeing roles.

Through WellCore, individuals and organisations can access:

• A tailored approach to regulated financial and mortgage advice
• Clearer explanations of options and financial decisions
• 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.

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Why as a wellbeing or therapy professional should I choose working with you?

If you work in wellbeing or therapeutic roles, your focus is often on supporting others while your own financial planning is left for later.

You may be navigating:

• Self-employment or practice-based income
• Variable or mixed earnings
• Business and personal finances overlapping
• Limited time or headspace for financial decisions
• Uncertainty around borrowing, protection, or long-term planning

The WellCore Financial Scheme is designed to feel calm, clear, and supportive.

Our approach focuses on:

• Explaining financial matters in plain English
• Taking the time to understand how you work and earn
• Looking at your finances as a whole, not in isolation
• Helping you make informed decisions without pressure

Advice is thoughtful, practical, and tailored to you.

Why the WellCore Financial Scheme exists

Many professionals working in wellbeing and therapy sit between traditional healthcare and self-employment, and are often underserved by standard advice models.

WellCore exists because:

• Income structures are often non-standard
• Professional roles vary widely, even within the same field
• Access to relevant financial education can be limited
• Advice can feel either too generic or overly clinical

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

Alongside advice, WellCore also places emphasis on financial education, supporting sustainable careers in wellbeing-focused professions.

How the WellCore Financial Scheme works

1. Initial conversation
       A calm, straightforward discussion to understand your role, work structure, 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, providing a joined-up view.
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 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 and criteria apply to therapy, allied health, and wellbeing professionals.

This allows us to:

• Navigate options more effectively
• Interpret criteria in the context of self-employed or practice-based 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 sometimes feel unclear or overwhelming in wellbeing-focused professions.

Through the WellCore 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 organisations

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 practices and wellbeing organisations

The WellCore Financial Scheme may operate in collaboration with:

• Therapy practices and clinics
• Wellbeing centres and organisations
• Professional associations and networks
• Corporate wellbeing providers

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

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

What WellCore can support with

Depending on individual circumstances, advice through WellCore may include:

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

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

Why choose WellCore via Roxton Wealth?

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

We believe financial advice should support sustainable careers in wellbeing not add pressure or complexity.

Through WellCore, 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 wellbeing professionals
• Deliver advice in a calm, human, and fully regulated way

Important regulatory information

The WellCore 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 WellCore Financial Scheme.