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Independent Financial Advice for Contractors

As advisers we have consciously avoided the "Jack of all trades and master of none" approach to offering financial solutions to a diverse range of client. Instead we pride ourselves, as you do, on being specialists in our chosen field.

We offer advice specifically tailored to the unique needs of freelancers and are able to deliver those recommendations in a timely and easily understandable format via email, telephone and post. We can also offer a nationwide service for those happier with a face to face meeting.

Please contact us or call the office on 0845 062 8888 (local rate).

Our Key Services

Contractor Mortgages

Avoid the frustration of being rejected by lenders with an out-of-date bias against freelancers.

Contractor Pension

The most efficient means of getting money out of your company tax-free, particularly if you are caught by IR35.

Income Protection

Policies to help pay the bills if you fall ill.

Life Cover

Essential cover to repay outstanding debts if you die.

ISAs

You can invest up to £7,200 in an ISA during this tax year.

Latest News and Articles

• £10,000 free life cover for new parents!

  

  As a Contractor, you may not have replaced your lost 'death in service' benefits that you used to benefit from as a 'permi'. But when you become a parent the safety net that this cover provides becomes vital to protect your children if the worst should happen.

  With this in mind, we can now offer life cover worth £10,000 absolutely free to new parents.

  Keep reading "£10,000 free life cover for new parents!"

• The Markets - is now the time to invest?

  

  With base rates at historic lows traditional savings accounts are offering very little by way of returns, yet the investment markets have bounced back strongly from the lows of earlier this year. This month we look at whether its time to revisit your appetite for risk versus reward ...

  Keep reading "The Markets - is now the time to invest?"

• Where there's a Will, there's a way

  

  According to new research*, one in three Britons dies without leaving a will. Without a will, your estate may be liable to an Inheritance Tax that prevents your loved ones from fully benefiting from the wealth that you have worked so hard to build up. You also risk your estate falling into the wrong hands...

  Keep reading "Where there's a Will, there's a way"

• Lifestyle could dictate your cover in future...

  

  A leading insurance provider is predicting that your lifestyle could begin to have an increasing impact on your protection premiums...

  Keep reading "Lifestyle could dictate your cover in future?"

• How to exploit the highest rise in house prices for five years

  

  The property market could be firmly on the rise as reports show house prices rose at their highest rate in the last five years in August...

  Keep reading "How to exploit the highest rise in house prices for five years"

• Pay your life insurance through a limited company and save tax!

  

  One Man Ltd company Contractors can fund life insurance through the business and, for the first time, have no income tax or benefit in kind considerations of any kind. It may also be possible to have this payment treated as a business expense.

  A ground breaking new product allows you to protect your dependents in a way that mirrors the death in service benefits that you used to have as an employee of a large corporate and at the same time save you significant amounts of money when compared to more mainstream policies...

  Keep reading "Pay your life insurance through a limited company and save tax!"

• Swine flu delays insurance applications and pay-outs

  

  Swine flu remains a topic of concern and with fears growing that we could see a rise in cases as we move into autumn, GP's have issued a warning to Insurers that there could be a severe delay in processing Income Protection claims...

  Keep reading "Swine flu delays insurance applications and pay-outs"

• Make your business cash work as hard as you do

  

  If you contract through a One Man Ltd company then its almost certain that you have a business current account that is earning little to no interest. Interest rates on commercial accounts are especially woeful at present but an innovative product from a large High Street institution offers Contractors the chance to earn a far higher rate of return on your deposits...

  Keep reading "Make your business cash work as hard as you do"

• Recession delays retirement for millions

  

  For many, the dream of long days playing golf makes the long hours of Contracting worthwhile. However, the sad truth is that many people will be unable to retire at 65...

  Keep reading "Recession delays retirement for millions"

• House prices rise for 3rd month in a row!

  

  With gloom and doom seemingly around every corner, it's good to report some positive news about the property market. For the third consecutive month house prices have risen and signs are that the worst may be behind us. Will would-be house buyers miss the boat as prices climb back?

  Keep reading "House prices rise for 3rd month in a row!"

• Homeowners face difficult rate decision

  

  Tracker rates are comparatively so low at present that many borrowers are signing up for them despite the risk of the base rate rising...

  Keep reading "Homeowners face difficult rate decision"

• Make the most of a low inflationary world

  

  Despite the widespread doom and gloom about the economy and unemployment figures rising, new research shows that many of us should actually be feeling better off.

  Keep reading "Make the most of a low inflationary world"

• Pensions cap changes

  

  The Government announced on Monday that they are amending the controversial anti-forestalling rules for higher rate tax payers...

  Keep reading "Pensions cap changes"

• Ensure your family benefits using Inheritance Tax Planning

  

  According to recent research* we will give up over £2 billion to inheritance tax (IHT) this year, but with careful planning you can save yourself and your family from this most hated of taxes...

  Keep reading "Ensure your family benefits using Inheritance Tax Planning"

• Initial mortgage declines are now final - don't take the chance of going it alone...

  

  Mortgage lender Abbey has announced that mortgage applications that do not meet their underwriting guidelines first time around will be declined and will not be reconsidered.

  Keep reading "Initial mortgage declines are now final - don't take the chance of going it alone..."

• Baby Boomers - time to cash in?

  

  The generation of baby boomers that have turned fifty or are just about to, have an important decision to make regarding their pensions.

  Keep reading "Baby Boomers - time to cash in?"

• The perfect time to buy?

  

  With house prices seeming to be on the rise again, Estate Agents seeing demand soar, base rates at historically low levels and homes now at their most affordable since 2004 could now be the perfect time to move up the ladder?

  Keep reading "The perfect time to buy?"

You may also be interested in our extensive archive of articles for UK contractors.