Financial Advice for Contractors

Our Award-Winning team of Financial Advisors will complete a full FREE financial review with you to ensure you have the best possible plan in place to protect you, your income and your family.

Pensions for Contractors

Everyone knows what pensions are so why are you going to benefit from talking to us? ContractingPLUS have an award winning pensions team and they will be happy to take you through  a full FREE financial review to ensure you have the best possible plan in place to protect you and your family. We want all our contractors to have the information you need so you can make good solid decisions. It’s simple really! We know when it comes to pensions there are generally two kinds of people. Those that have them, and those that don’t.

Which one are you?


Leave your number and we’ll call you back.

I already have a pension

Great, so we’ve a few things we’ll want to do for you. We want to review your risk profile to make sure it hasn’t changed and that you still have the right split of assets.

If you’re moving from employment we’ll talk about the best options for that pension. Should you leave it where it is or move it?

Finally, we’ll have a chat about what you’re hoping your pension will ‘pay’ you on retirement. We’ll take a take a look at the current value of your pension pot and the expected growth rate between now and retirement to see if you’re on track.

If you’re coming up short of where you want to be, we’ll talk about some options open to you.

I don’t have a pension yet

Okay, let’s start at a very basic level. All a pension is, is a tax efficient way of saving for the future. One day you’ll stop working, and the money you get from the government isn’t going to be much. So you need to start saving now regardless of your age.

First thing we’ll say is don’t worry about how much money per month you save. Getting started is the important thing.

You’ll find hundreds of websites offering all kinds of pension packages. Save yourself the time and the hassle.

Call us, lets run some numbers, ask a few questions about what you’re hoping to achieve and we’ll do all the legwork to find a pension plan that’s truly right for you.

Already Retired? (or coming close to it?)

Retiring should be a hugely exciting time, but it can also be a little daunting as there are so many different options to be considered. Our Advisors will advise on the best option for you and help you plan out your financial goals in retirement.

When you retire, you will be able to take some of your fund as a Tax -Free Lump Sum and the remainder of your fund will be used to either:

  • Purchase an Annuity which will pay you a set income for life, or
  • Invest in an Approved Retirement Fund (ARF) which continues to be invested and you can take an income from it.

There are a large number of rules which govern both pensions and the choices that you can make, so professional independent advice on all your options is extremely important.

Review fees and charges

Everyone who has a pension knows that the ones with really low fees are probably not getting the best rate of return. Our pension team find the right balance based on what you want your pension to do for you. Pensions are not just about tax relief. They’re about making sure you’ve enough money to fund the lifestyle you want in your autumn and winter years.

Some other great stuff for Contractors

It’s not just pensions we do. For those who want it we provide a full financial review. If you’re already a Contracting PLUS client you’ll know that’s a totally free service we give you.

Other ways we help you manage your money;

A division of Contracting PLUS, CWM Wealth Management Ltd. is regulated by the Central Bank of Ireland.

The benefits of choosing Contracting PLUS

Our compliant contractors typically achieve the best retention rates; they take home more money.

Our App and online portal remove all the admin and hassle from you.

Standard company insurances are included (at no extra cost) in most cases.

You’ll have a Dedicated Account Manager to answer all your questions.

You’ll get ongoing pro-active tax saving tips and suggestions.

Talk to us

Talk to our team to figure out the best solution for you

1800 54 54 22 Free Phone