Enver Wealth Management: Dedicated Financial Confidence for UK Contractors
Enver Wealth Management (EWM) is a Senior Partner Practice of St. James’s Place. We specialise in providing tailored, long-term financial advice to working professionals, business owners, and individuals who are serious about building and preserving capital.
We understand that UK contractors and freelancers face unique financial complexities, including variable income streams and a lack of traditional employment benefits. Our mission is to provide bespoke, high-quality advice that gives you balance, confidence, and control over your financial future.
Solutions Tailored for the Contracting Professional
Our comprehensive wealth management service is structured around the three core financial pillars, ensuring all aspects of your financial life are covered:
1. Building and Preserving Capital
We focus on helping you use tax-efficient strategies to grow and protect your wealth over the long term.
- Pensions and Retirement Planning: Advice on maximising contributions and structuring tax-efficient pension plans, a crucial element for both limited company directors and umbrella company professionals.
- Investments & ISAs: Strategies for effective wealth accumulation, including portfolio management and utilising tax-efficient saving vehicles.
- Trust and Estate Planning: Ensuring your legacy is managed according to your wishes.
2. Financial Protection Against Risk
For contractors, securing your income and family is paramount, as you often lack employee sick pay and death-in-service benefits.
- Specialist Insurance: Gaining financial protection against unforeseen risks, including Life Insurance, Critical Illness Cover, and specialist Income Protection.
- Mortgage Protection: Securing your most valuable assets and ensuring financial stability for your family.
3. Managing Cash and Borrowings
We help you manage liquidity and access specialized financial services that recognize the variable nature of contractor income.
- Mortgage Planning: Guidance on securing homeownership and accessing specialist mortgage and lending solutions for self-employed professionals.
- Referral to Specialist Banking and Lending.
For Limited Company Directors: Business Protection
If you operate through your own limited company, protecting the business itself is key to long-term financial security. We advise on corporate protection plans that ensure financial resilience and continuity.
- Key Person Protection (Profit Protection): Provides financial stability to the business if a key individual (often the contractor/director) is unable to work due to serious illness or death, covering lost profits and recruitment costs.
- Business Loan Protection: Helps ensure outstanding business debts and liabilities are repaid, protecting your personal assets from risk.
- Relevant Life Plans / Employee Benefits: Tax-efficient ways for your company to provide death-in-service and other benefits.
Complimentary Financial Wellbeing Workshop
As part of our commitment to financial education, we offer a Financial Wellbeing Workshop completely free of charge and with no obligation to corporate teams, including umbrella companies.
- Objective: To empower employees with the knowledge and tools to make informed financial decisions, reduce stress, and maximise their income.
Exclusive 1-1 Consultations: All attendees receive the opportunity for a quick, confidential one-to-one consultation with an EWM Financial Adviser to address personal concerns
Contact Enver Wealth Management
To discuss your personal financial goals or to enquire about scheduling a Financial Wellbeing Workshop for your team, please click here.