Make sure your money will be ready for your golden years
If you do not currently have a pension in place as a contractor, you are not taking advantage of the generous tax allowances available. You could be paying substantial amounts of tax unnecessarily. Whilst in your previous job, you may have already made arrangements for a private pension or, alternatively, you may have kept putting if off and meant to do it at some future point…
Ensure your loved ones are protected should the worst happen
In permanent employment, if you had death in service benefit, you were probably covered for up to 4 times your salary. This ensured that your dependents were protected in the event of you dying while still in employment. However, now that you are a contractor this benefit no longer exists and it is now your responsibility to ensure that you have individual cover to ensure financial security for your family…
Make sure your income is flowing when you can’t work.
Most permanent employees are entitled to Sick Pay, however, if as a contractor you are out of work due to illness or injury, you will be exposed to financial loss from the very first moment you are unable to work. You may not qualify for any state disability payment, therefore it is up to you to put in place cover which will ensure that you do not suffer a fall in the standard of living as a result of illness or injury….
Offering impartial advice tailored to your circumstances and goals.
Once you have provided for your short to medium term financial needs, you need to think about your longer-term needs such as education costs, retirement and financial security. Long term savings is a great way to provide for these needs. By investing in a range of investment options from capital secure options to shares to alternative assets we in CWM can design an investment portfolio that suits your attitude to risk…
Who we Are
CWM Wealth Management provide tailor-made financial advice and solutions to professionals all over Ireland. Through a team of dedicated specialists, you will receive professional impartial financial advice
HerMoney is a division of CWM Wealth Management Ltd. and provides a dedicated financial advisory service to professional women all over Ireland.
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