When you are contracting through your own limited company it can be a challenge to secure a mortgage, pension or insurance on the high street. Luckily, ClearSky Wealth Management are on hand to guide you through the maze of contractor finances and help you make the most of your freelance status.
The specialist advisers at ClearSky Wealth Management can show you how to make the most of your money, avoiding the common pitfalls that freelancing can sometimes present and bridging the gap between your contractor status and the benefits you may have left behind as a permanent employee. We have helped over 10,000 clients over the last decade, so whether you are looking to plan for retirement with a tax efficient pension, protect your income if you are unable to work, or arrange a contractor mortgage without the hassle of the high street, we have a solution tailored to your needs.
A range of financial reviews tailored to your unique needs
We understand that contractors value independent advice and an advisor who has a thorough understanding of your finances but we also know that time is at a premium so you don’t want to be in meetings for hours on end ending up with a financial review that is hundreds of pages long.
In answer to this we have tailored our service to offer you bitesize financial reviews on the three key areas that matter to contractors without compromising on the quality of the advice you receive. Rather than the hours of face to face meetings that traditional financial advisers insist on, ClearSky Wealth Management offer you financial reviews via email, phone or post so you have more time for the important things in life.
Unlike a financial review from your bank, our advice is independent which means we search the whole of the market before we make a recommendation and because we specialise in offering advice to contractors, you save the hassle of describing your working status to inexperienced branch staff. We take the time to understand your personal goals and are able to offer advice on how to meet them.
Retirement review
We can review your current pension arrangements, investments and plans for your retirement to ensure you reach your goals. You can significantly reduce your tax and avoid NI payments today by transferring part of your contract into a company sponsored personal pension whilst also building a tax efficient nest egg for your future. We can also offer advice on wills and inheritance tax planning to safeguard the future of your loved ones.
Property review
Whether you are a first time buyer or moving up the ladder, you can take advantage of our special arrangements with lenders and save the time and hassle of finding a mortgage or remortgage that reflects your contractor status. We arrange your mortgage based on your contract rate alone and will handle the whole process for you. We also offer ClearSky clients exclusive deals on buildings and contents insurance to protect your biggest asset.
Protection review
Maintain your income in the event that you are unable to work through illness or injury with a wide range of insurance policies tailored to your contractor status. We will review your current protection and advise you on the right cover to suit your individual needs including critical illness insurance, income protection and private health insurance. You can now benefit from an innovative product that allows you to pay for life insurance through your limited company and save tax.
Financial advice is given by ClearSky Wealth Management, which is a trading name of Contractor Financials Ltd and is regulated and authorised by the Financial Services Authority.
