What CONTRACTOR WEALTH MANAGEMENT LIMITED does

Contractor Wealth Management Limited (trading as Contractor Wealth) is a UK-based financial advisory firm specialising in financial planning services for contractors, freelancers, and independent professionals who operate through their own limited companies. Its service offering covers personal pensions, tax efficiency planning, ISA portfolios (£20,000 annual allowance), investment planning, personal and business protection, and estate planning. The firm operates as an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, both part of the Quilter Group, which provides its FCA regulatory umbrella and compliance infrastructure. Services are delivered by a team of approximately seven staff, including three chartered/diploma-qualified financial planners and four support staff across paraplanning, administration, and client services, with the Senior Financial Planner holding 20 years of industry experience.

The firm runs a sales-led, advice-based GTM: prospective UK consumers reach Contractor Wealth via the company website (contractor-wealth.com), Feefo-validated testimonials, and email/newsletter channels, then engage with advisers through remote (telephone, video) or in-person consultations. There is no proprietary technology platform, app, or SaaS offering — all delivery is human-led advisory. Revenue is generated through professional-services fees and product-commission arrangements tied to pensions, investments, ISAs, protection, and estate planning, with no public pricing tiers disclosed. Headquartered in Fareham with a secondary office in Bristol, the firm is registered in England and Wales (Company Number 07773485) as a private limited company.

Commercially, the niche vertical focus (contractors and limited-company directors) is the principal differentiator versus generalist UK IFAs, given the segment's specific tax-efficiency, pension contribution, and IR35-related planning needs. The Quilter affiliation provides regulatory credibility and access to product/infrastructure resources, while the small team and absence of disclosed funding events suggest a boutique, organically-grown model rather than a venture-backed scale play. No revenue figures, customer counts, or growth metrics are publicly disclosed, limiting external visibility into the firm's commercial trajectory.

Name

CONTRACTOR WEALTH MANAGEMENT LIMITED

Legal name

Contractor Wealth Management Ltd

Website

https://contractor-wealth.com/

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Contractor Wealth Management Limited is a UK-based appointed representative of Quilter Financial Services that delivers chartered financial planning — pensions, tax efficiency, ISAs, investments, protection, and estate planning — to contractors and independent professionals operating through limited companies, via remote and in-person advice from offices in Fareham and Bristol.

Ownership category

akta.pro rank

Headquarters

HQ city

Fareham

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory Services: Revenue generated through financial advisory fees for pension planning, investment advice, protection products, and estate planning services. Services regulated by Quilter Financial Planning as an appointed representative.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Contractor Wealth Management Limited provides personalised financial planning and advisory services to UK-based contractors, freelancers, and independent professionals operating through their own limited companies. The firm delivers pensions, investment, ISA, tax efficiency, protection, and estate planning advice through qualified financial planners, operating as an appointed representative of Quilter Financial Services Limited.

Product overview

Contractor Wealth Management Limited is a financial planning and advisory services firm that offers a unified suite of financial planning services targeting contractors, freelancers, and independent professionals. The portfolio consists of personal pensions, tax efficiency planning, ISA portfolios, investment planning, protection planning, estate planning, life insurance, general insurance, and health/long-term care services. The company operates as an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, providing both remote and in-person advisory services. The firm does not offer a technology platform or SaaS product; all offerings are advisory and planning services delivered through qualified financial planners.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Pensions and Retirement Planning

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Quilter Financial Services LimitedcoreStrategic or Co-development PartnerContractor Wealth Management Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. Quilter provides regulatory oversight, compliance framework, and is the principal firm under which Contractor Wealth provides financial advice. Joint data controllers for client advice activities.
• Quilter Mortgage Planning LimitedcoreStrategic or Co-development PartnerContractor Wealth is an appointed representative of Quilter Mortgage Planning Limited as part of the Quilter Group of companies. Provides regulatory umbrella and access to Quilter's financial planning infrastructure and resources.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Contractor Financials: UK-based independent financial advisory firm focused on financial planning for contractors, freelancers, and limited-company owners. Provides pension, tax-efficiency, investment, and protection services to essentially the same customer persona served by Contractor Wealth, making it the closest direct comparable.
• Drewberry: UK independent financial advisory firm offering pensions, investments, mortgages, and protection advice to individuals and businesses. Operates with a similar adviser-led IFA model and serves overlapping UK individual and small-business customer segments.

Emerging players

• Penfold: UK digital pension provider targeting self-employed professionals, freelancers, and contractors with a tech-first, app-based SIPP product. Competes for the same contractor customer base as Contractor Wealth but delivers pensions via a low-cost platform model rather than adviser-led service.
• Nutmeg: UK digital wealth manager offering ISAs, SIPP pensions, and general investment accounts with automated portfolio management. Targets the same UK retail customers with a low-cost, tech-led model that competes directly on price with traditional IFAs.
• Wealthify: UK robo-advisor offering ISAs, SIPP pensions, and general investment accounts with low-cost automated portfolios. Targets UK consumers including self-employed individuals seeking affordable pension and investment products.

Broad incumbents

• Quilter: Large UK wealth management group of which Contractor Wealth is an appointed representative. Provides regulatory and product infrastructure to appointed representatives while also offering advice and platforms at much greater scale through Quilter Investors and other group entities.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform offering ISAs, pensions, funds, and shares. Serves UK retail investors across advised and self-directed channels and competes for the same UK individual investor customers at dramatically larger scale.
• St. James's Place: Large UK wealth manager with a national network of advisers providing investment, pension, and protection advice to affluent individuals and families. Offers full-service financial planning comparable to Contractor Wealth's proposition but at substantially greater scale.
• AJ Bell: UK investment platform and SIPP/SSAS provider serving retail investors and advisers with pensions, ISAs, and investment accounts. Overlaps directly with Contractor Wealth's core product areas (pensions, ISAs, investments) but operates at much larger scale with both direct-to-consumer and adviser-channel capabilities.
• Evelyn Partners: UK wealth management and professional services firm providing investment management, financial planning, and advice to individuals, families, and businesses. Offers full-service wealth planning comparable to Contractor Wealth's proposition but at significantly larger scale and broader scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CONTRACTOR WEALTH MANAGEMENT LIMITED