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 £15,240.

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.

“Hello Graham, Thanks for your call the other day, I found Contractor Wealth very helpful and efficient. I had a need to setup my pension very quickly and they were able to deliver in my time frame. They offer a very professional and knowledgeable service, highly recommended. Many thanks, Mike”

Mike, February 2016

“I would just like to say a huge thank you for all the hard work Angela has done in making the process of finding the right pension for me and my family. When I first started looking for pensions I had no idea what I needed let alone wanted, Angela really excelled in providing me with information and the best way to achieve my goals. The thought of securing a sustainable future with the money I was earning now was always a huge concern of mine, but to have this laid out in a very clear and precise way and knowing that Angela was managing this for me gave me a real sense of security. I would have no concerns of recommending Angela to me friends and family in a similar situation to mine. Best regards, Sam”

Sam, January 2016

“I have been extremely pleased with the service provided by Graham Fishwick at Contractor Wealth. Graham took care to conduct a full assessment of my situation and objectives in a very professional, helpful and friendly manner and recommended a solution that suited my investment and retirement needs. I would have no hesitation recommending the service to others.”

Kevin, July 2016

“Hi Keith, As you know I’ve have been using reserves from my Limited Company to contribute to a pension scheme as a means of reducing my corporation tax liability. The pension scheme I am using was recommended to me by Contractor Wealth after they conducted a thorough assessment of my financial needs and objectives. I would just like O&G to know that I was extremely pleased with the service provided by Contractor Wealth and would not hesitate to recommend them to other contractors seeking specialist financial advice. Regards, Kevin”

Kevin, July 2016

“It was really very satisfying working with Graham Fishwick from Contractor Wealth. He was organised right from the start and listened carefully to ‘what I want’. He jotted down the summary of our discussions and explained to me what would be the next steps. Within a few days as promised I received a printed copy of the advice with additional details. I asked quite a few questions on that document and Graham patiently answered them all up to my satisfaction. Once I took my decision it was just matter of time to open the investment account! It was overall a pleasure working with Graham and I will recommend him without an hesitation.”

Soumen, September 2016

“As a consultant with a range of clients and a reasonably high workload, I’ve struggled to find the time to understand my long-term financial position and put in plans for retirement. Graham at Contractor Wealth was able to help me quickly and effectively, though; in just a few short calls I was able to see what planning was required and was presented with easy-to-understand options which allowed me to make the first steps in investment.  I feel now that I have my retirement in hand, and can see that there are plenty of possibilities for future investments which I can come back around to as my career progresses.”

Richard, September 2016

Contractor Wealth Contact

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