The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Pension Planning

It’s important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you.


Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides information on different types of saving & investment.

Contractor Wealth Benefits

Suitable Personal Pensions

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

Income Drawdown

Annuities are historically the most popular option in retirement, with a many individuals looking for the security that they provide.

Pensions & Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

Asset-backed Investments

Here we explain all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Individual Savings Accounts (ISAs)

Under the so-called ‘New ISA’ (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged, with the overall limit increased to £20,000.

Deposit Based Investment

Here we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.
“I have found really helpful working with Duncan. Professionalism and competence were over the top.”

Alberto, January 2018

“Nick Winter provided me with excellent advice with regards to my pension. He conducted a thorough review of my existing pension arrangements, invested the time to fully understand my pension goals and made appropriate recommendations to meet them. Nick was very clear up front with the steps we would take, ensuring I understood them. The professionalism of his service extended to informative conversations and written documentation. I certainly felt Nick went out of his way to ensure my needs were fully met. I would thoroughly recommend Nick to anyone requiring a pension review or looking to take out a new pension.”

Terry, January 2018

“My retirement was looking bleak because of personal circumstances following the 2008 recession and I was seriously worried about how I would manage. When I finally found myself in a position to actually do something about improving my pension earlier this year, I was clueless about what to do for the best but I was put in touch with Nick Winter at Contractor Wealth. Nick and his colleague, Ella Butler, were so professional and Nick talked me through my options in a way that I could easily understand. I still have a long way to go before I can retire comfortably but at least now I have the reassurance that someone has my interests in mind. I would be happy to recommend Nick and Contractor Wealth to anyone else who needs help with their retirement planning.”

Helena, January 2018

“Nick at Contractor Wealth explained everything very clearly and thoroughly to us. He took his time to make sure that we were comfortable with everything and addressed all of our concerns. Would definitely recommend Nick and Contractor Wealth to family and friends.”

Simon and Jennifer, March 2018

“I received extremely helpful advice for setting up a pension through my limited company. David Rankine was very knowledgeable, friendly and helped me make an informed decision. He guided me towards options that suited my situation rather than trying to sell me a specific product. I would definitely recommend Contractor Wealth to anyone looking for financial advice.”

Trusted Customer, September 2018

“Very happy with the service provided by Dharmesh, Leanne et al, went to great lengths and depths to ensure that I was fully informed of all considerations. I now feel like I actually have my finances in proper order.”

Duncan, September 2018

Contractor Wealth Contact

Find the informations on how to contact us by a range of methods. We are here ready to help you.