Contractor Wealth
We provide clear, practical wealth advice for professional contractors.
Personalised Wealth Management Tailored to Your Financial Goals
We provide clear, practical wealth advice for professional contractors.
We are Ireland’s leading wealth advisor for professional contractors and have been advising on the best options for Umbrella Directors and Personal Limited Company Directors for over 13 years.
If you’re contracting, chances are your finances are doing a lot of heavy lifting. Income can be strong, but it can also be uneven. Benefits are rarely “built in”. And small gaps can turn into big ones later.
Our team helps you get the right protections in place, build a plan for growing wealth, and keep everything joined up so you can feel confident about where you’re heading.
Contractor Wealth Management for Umbrella and Limited Company Directors
As a professional contractor, you may not have the right measures in place to protect your income today and build wealth for the long term. We help you get clear on what you need, then put a plan in place you can actually follow.
Contractors aren’t all the same. If you’re paid through an umbrella company, your options and priorities can look different to someone running a personal limited company. Even when the goal is similar, the best route often isn’t.
That’s why our advice is built for:
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Umbrella Directors who want clearer choices and stronger protection
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Personal Limited Company Directors who want to plan properly around pensions, tax, and long-term goals
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Contractors who want joined-up advice covering pensions, income protection, savings, and investments, with regular reviews to keep it relevant
If you want it even shorter (more “LP” style), here’s a compact version:
What We Help You Plan For
Our advice is focused on the real questions contractors ask when they want to get organised:
- How to make your money work harder for you
- Financial security in times of need
- Being in a strong position for retirement
- Building savings for key life events
- Ways to maximise personal wealth
- Setting up a Directors Pension
- Tidying up and improving any existing pensions
- Putting proper financial protection in place
How The Process Works
We follow a comprehensive six-step approach to make wealth management effective and easy for professional contractors:
Step One: Discovery and Alignment
We begin by understanding your goals, priorities, and current financial situation. For contractors, that includes how you’re set up (Umbrella Director or Personal Limited Company Director), how your income lands across the year, and what’s already in place (pensions, investments, protection).
Step Two: Strategic Planning
Using the insights gained, we create a clear strategy designed to build, preserve, and grow your wealth. This includes decisions around pensions, investments, protection, tax efficiency, and longer-term planning, shaped around contractor realities like income swings and shorter planning cycles between contracts.
Step Three: Legal and Structural Effectiveness
We ensure your financial strategy is legally sound and properly structured, reflecting your wishes while protecting your assets. For contractors, this step is about making sure the plan fits how you operate, whether that’s through an umbrella arrangement or your own company.
Step Four: Tax Optimisation
We work with specialists to minimise your tax liabilities, helping you keep more of your wealth and achieve better outcomes. This is particularly important for contractors where small decisions can have a big knock-on effect across the year.
Step Five: Implementation and Management
With a strong foundation in place, we put your plan into action and manage it with care, making adjustments as opportunities arise. For contractors, that might include putting the right pension funding approach in place, improving protection, and keeping investments aligned with your goals and risk comfort.
Step Six: Ongoing Reviews
Your life and the financial landscape change over time. We provide regular reviews and updates so your plan stays aligned with your goals and can adapt as your circumstances change, whether that’s income shifting, your working setup changing, or personal priorities moving on.
Umbrella Plan PDFGuide to Mortgages: Independent Contractors
The Rockwell Contractor Umbrella Plan (Protection)
A complete solution to your protection benefits problem, all at one affordable monthly cost
Our Rockwell Contractor Umbrella Plan offers three levels of cover starting from €67.81 per month. Whichever level you choose, each plan provides:
- Income Protection
- Life Insurance
- Specified Illness Cover
- Tax Relief
- Access to Best Doctors® Service
- And most importantly, a simple solution and peace of mind
Supporting Your Contracting Career
For most people, the move into contracting is one of the most financially rewarding decisions of their career.
But you’ll also know what you left behind. Sick pay. Life insurance. Sometimes serious illness protection. A decent safety net.
The reality is simple: you’re either working and getting paid, or you’re not. And if you’re not, you’re relying on savings to cover the gap.
That’s why it’s so important to put the right protection in place early, and build a wealth plan that doesn’t depend on “getting around to it later”.
Book a Wealth Management Consultation
Client Reviews
Read more Reviews on Google
I would highly recommend Brian Forde to anyone seeking advice no matter what stage they are at on their pension journey. Brian explained my pension options in straightforward language and took a genuine interest in me personally. In addition to his reassuring advice and friendly manner Brian was extremely attentive with no hard sell approach. He is a great source to go to if you need sound financial advice.
Jimmy Flannery
I highly recommend Mr.Jordan Mooney (Senior Financial Consultant ) who helped us get a clear picture about our financial situation ,he is very professional ,always has a smile on his face and very supportive ,he is always available whenever we need him to answer a question or provide any assistance..
Definitely 5 stars service !!! I can’t thank him enough
Samar Omer
FAQ’s
What is wealth management for contractors?
It’s a joined-up approach that helps you build, protect, and organise your money while contracting. It can cover planning, investment decisions, pensions, tax efficiency, risk management, and longer-term goals, all brought into one clear plan.
What does wealth management actually do for a contractor?
It turns “a few separate bits” into a plan you can stick with. That usually means setting goals, deciding what to do with surplus income, putting protection in place, improving pension planning, and reviewing things as your contracts and life change.
I’m an Umbrella Director. Is this relevant to me?
Yes. Umbrella contractors often have fewer built-in supports, so having a clear plan for protection, pensions, savings, and long-term goals can make a real difference.
I run my own limited company. Do you cover Directors Pensions?
Yes. We can help you set up a Directors Pension, review an existing one, and make sense of any older pensions you may have left behind.
How does wealth management work in practice?
We start by understanding your current situation and goals, then build a plan, put it in place, and review it over time. It’s designed to stay relevant as markets shift and your circumstances change.
Do I need a wealth manager if my income changes from contract to contract?
Often, yes. Variable income can make it harder to stay consistent with saving, pension funding, and protection. A proper plan gives you a steady structure, even when the numbers swing month to month.
Is wealth management the same as investment management?
Investment management focuses on the portfolio. Wealth management is broader. It can include investment decisions, but also planning, pensions, tax strategy, risk management, and longer-term wealth planning.
What’s the difference between asset management and wealth management for contractors?
Asset management is mainly about managing investments like shares, bonds, and funds. Wealth management includes that, plus the bigger picture: planning, tax efficiency, pensions, retirement planning, and risk management.
I already have a pension and a few policies. Can you still help?
Yes. Many contractors have products in different places. We’ll review what you have, explain what’s working, what isn’t, and what to change first.
What if I get sick and can’t work?
That’s one of the biggest risks for contractors because income can stop quickly. The right protection can stop a short-term issue turning into a long-term financial problem.
Is private wealth management relevant for contractors?
It can be. If you’re building significant savings, investing regularly, or you’ve built up a strong pension position, you may want a more hands-on planning approach and more frequent reviews. (It’s less about the label and more about the level of planning you need.)
How do I get started?
Book a free consultation. We’ll take you through the first steps and what we need from you, and you’ll know exactly what happens next.
