Contractor Financial Planning & Wealth Management

Contractor’s can save Hundred’s of Euro in tax and make big investment profits

What is Contractor Wealth Management?

Contractor Wealth Management is the use of specific financial solutions to combat the challenges faced by Contractors.

We navigate these complexities and manage your finances professionally, so you can focus on your work with confidence.

Why do Contractors need specific advice?

    • Irregular Income: Plan around fluctuating day rates and lean periods.

    • No Employer Benefits: Sick leave, insurance, and pensions are your responsibility.

    • Tax Complexity: Higher earnings often mean higher taxes — but there are ways to optimise.

    • Company vs. Personal Income: Know what to pay through your business vs. yourself.

    • Limited Time: Contracts are finite — maximise each one for your future.

    • As an employee you are paid a salary and your tax is deducted. As a Contractor, you receive a day rate without tax assistance.

    • As an employee you receive employee benefits like Death in Service, Income Protection and Company pension schemes. As a contractor you need to establish benefits for yourself.

    • As an employee, HR can assist you with queries, as a Contractor you may need outside resources.

    • Contracting can allow you to control your finances more effectively

    • Pay from your company as opposed to personally. This means tax savings.

    • Income Protection can be paid for through the company insuring your salary will continue if you are unable to work.

    • Pension can be paid for through the company, with much higher contribution limits (up to 100% of salary) and significant tax relief of 52%

    • Private Life insurance can insure values higher then standard Death in service.

Experience with Contractors 💼

We have worked with hundreds of contractors across tech, pharma, engineering, and consulting, giving us deep insight into the unique financial challenges faced by contract professionals.

Insurance for Contractors 🛡️

Contracting doesn’t have the same safeguards, so it’s important to protect yourself and your family. We can advise on Life Insurance, Income Protection, and Critical Illness cover to ensure you have the right safeguards in place.

Contractor’s Pension 📈

Contractors can often contribute much more to a pension than employees, you have the potential to invest up to 100% of your salary.

Contractor’s Investments 💹


Your pension contributions can be invested with top-performing providers and funds, helping your savings work harder and deliver stronger long-term returns.

Huge Tax Relief 💶


Both pension and income protection policies offer substantial tax relief—sometimes as much as 52%—making your savings and protection strategies highly efficient.

Enjoy Your Time Contracting 🌍


Contracting offers higher earning potential, career freedom, and flexibility. With the right financial plan in place, you can focus on your career and lifestyle while knowing your finances are secure.

FAQs

  • The options avilable:

    • Setting up a Limited Company

    • Joining an Umbrella Company

    Both have pros and cons. For flexibility, tax efficiency, and minimal admin, an Umbrella Company is often the most practical all-around solution.

  • Anything you had as an employee can be replaced.

    This includes Life insurance, income protection and specified illness insurance.

  • We partner with Shelbourne accountants, Chartered accountants and Tax Advisors to ensure every aspect of your financial life is carefully and professionally managed.

  • Our fee is reflective of the time and advice required to secure your financially, which can vary by client.

    With how much tax you will save, our fee is minimal.