Contractors

As a contractor you’re left to sort out many aspects of your personal finances that others take for granted. ¬†Without an employer to provide a benefit package, often including life insurance, a pension, sick pay and income protection, it’s your responsibility to protect and provide for your financial future.

We can help you with the above and also protect both your business and family by providing advice with regards to:
  • Life and critical illness cover
  • Protecting your income through long term illness or disability
  • Retirement planning
  • Permanent Health Insurance
  • Tax planning
We also understand the issues that you face as a contractor, including:
  • Fluctuating income & cash flow issues
  • Uncertainty of future contracts
  • IR35 issues
  • Planning for retirement and pension contributions
  • Tax implications

We will also liaise with your Accountant how to make sure you make the correct decision on whether you take dividends or PAYE as income and making sure you utilise your tax allowances with regards to your retirement planning.

Mr J Miller
From company pensions and life insurance to property portfolios and mortgage guidance, Richard Hawkings has provided me with more than a decade of friendly, professional and exemplary financial advice.

Mr J Miller, Project Engineer, Sellafield