Fee-only financial advisors for small-business owners, self-employed, and freelancers.
Small-business owners face a compressed version of the whole wealth-planning problem: retirement vehicles (solo 401k vs SEP vs cash-balance), entity choice (S-corp reasonable salary, LLC tax elections), health insurance, disability, and irregular income smoothing. Generalist advisors miss SEP-to-solo-401k rollover advantages, QBI deduction optimiza
Situations we handle
- Solo 401k vs SEP IRA — which is right now that I'm earning more?
- Should I add a cash balance plan to my solo 401k?
- S-corp reasonable salary — what's defensible without IRS trouble?
- QBI deduction — how do I optimize around the threshold?
- Irregular income — how do I smooth contributions across up and down years?
- I'm going from W-2 to 1099 — what's the whole to-do list?
Why a specialist. Most financial advisors are trained for W-2 employees. Self-employed planning requires coordination with your CPA on entity structure, retirement-plan design (which can deduct $50-300K/year of income), and timing of contributions. A fee-only specialist who does this regularly can save multiples of their fee in the first year.
Tools & guides
Small Business Retirement Plan Selector
Compare Solo 401(k), SEP-IRA, SIMPLE, and Cash Balance based on your income and savings goals.
Small Business Financial Planning Guide
Detailed framework — rules, tradeoffs, and common mistakes.
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