Contractor Financial Planning & Wealth Management

Tailored Financial Planning for Professionals

Working as an independent contractor in Ireland offers flexibility and higher earning potential—but it also comes with financial complexity. Without the structure of employer benefits, contractors must take greater control of their financial planning to ensure long-term security and success.

At Financial Health, we specialize in helping contractors build and manage wealth effectively across all stages of their professional journey.

The Key Difference: Company-Paid, Not Personally Funded

What makes these strategies so powerful is simple—the payments come from your company, not your personal account.

Common Contractor Challenges

  • Irregular Income: Planning around fluctuating cash flow and Day rates.

  • Insurance and Protection: Ensuring you have income protection, life cover, and other safeguards in place

  • Pension Planning: No automatic employer contributions means it’s up to you to fund your retirement

  • Tax Efficiency: Understanding how to use company structures, allowable expenses, and pension contributions to reduce tax. Limited Companies, Umbrella companies or Sole-traders.

  • Business vs. Personal Finances: Knowing how and when to take money out of your company

Our Wealth Management Solutions

We provide personalised advice on:

  • Pension Strategies: Maximize tax relief through Executive Pensions, PRSAs. Tax relief up to 52% is available.

  • Tax-Efficient Investing: Use your company to invest surplus profits tax-efficiently

  • Income Protection & Insurance: Replace lost income due to illness or accident

  • Cash Flow Management: Plan for lean periods without stress

  • Exit Planning: Prepare your business and finances for retirement or a career change. Entrepreneurial and business reliefs.

Why Work With Financial Health?

We’ve advised hundreds of Irish contractors across industries including IT, engineering, pharma, and consultancy. Our expert Financial Planners understand the nuances of running your own Finances’ and how to balance today’s demands with tomorrow’s goals.

Our USP is that we have access to our Sister Company Shelbourne Accountants who assist us in Complex Accounting and Taxation Plans. Ensuring all aspects of your Financial Plan are carefully and professionally managed.