Financial Planning For Self-Employed Consultants
Running your own business or working as a 1099 contractor means your financial life doesn't come with the built-in structure of a W-2 job — no automatic 401(k), no employer match, and a tax situation that's entirely on you to manage. I work with business owners, self-employed professionals, and contractors in San Mateo and the Bay Area to build that structure for yourself.
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You earn 1099 income and need help selecting the right retirement plan for yourself
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You need comprehensive planning to build an investment allocation strategy from scratch
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You're focused on tax planning to minimize what you owe
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You want your investments aligned with your actual goals, time horizon, and stage of life
-
You need to review your life insurance needs and options
-
You're managing irregular or variable income and want a plan that accounts for it
What I Help You With
Self-Employed Retirement Plans
Without an employer-sponsored plan, choosing the right structure — Solo 401(k), SEP IRA, or defined benefit plan — can significantly change how much you're able to save and shelter from taxes each year.
Learn more about Retirement Planning →
Tax Planning
1099 income comes with self-employment tax, quarterly estimated payments, and fewer automatic withholdings than a W-2 job. I help you plan ahead so tax season doesn't catch you off guard.
Learn more about Tax Planning →
Investment Management
I build a personalized, tax-focused investment allocation around your goals — without assuming you have the structure a traditional employee might.
Learn more about Investment Management →
Income Smoothing & Cash Flow Planning
Variable income makes saving and budgeting harder to plan around. I help you build a financial plan that accounts for the ups and downs rather than assuming a steady paycheck.
Insurance & Risk Review
Without employer-provided benefits, you're responsible for your own life insurance. I help you review your coverage and identify any gaps.
Why Business Owners & Contractors Work With Me
When you don't have an employer building structure into your financial life, that structure has to come from somewhere. We focus on the specific gaps self-employed professionals face — retirement plan selection, tax planning without automatic withholding, and building savings discipline around variable income — so your plan actually fits how you earn and spend.
Frequently Asked Questions
Should I open a Solo 401K or a SEP IRA?
It depends on your income level, whether you have employees, and how much you want to contribute each year. A Solo 401K can offer Roth after tax options and for you to borrow loans from your account, but requires more administration.
How do quarterly estimated taxes work?
As a 1099 earner, you're generally required to pay estimated taxes four times a year rather than having taxes withheld automatically. I help you plan around these deadlines so you're not caught off guard by a large bill or penalty.
I have irregular income — how do I budget and save consistently?
Building a savings plan around variable income usually means setting a baseline spending level based on your lower-earning months and directing surplus from higher-earning months toward savings and tax reserves. I help structure this based on your actual income pattern.
Want a financial plan built around how you actually earn income?
Is This You?
Running your own business or working as a 1099 consultant means your financial life doesn't come with the built-in structure of a W-2 job - no automatic 401(k), no employer match, and a tax situation that's entirely on you to manage. I work with business owners, self-employed professionals, and contractors in San Mateo and the Bay Area to build that structure for yourself.
What I Help Self-Employed Consultants with
Self-Employed Retirement Plans
Without an employer-sponsored plan, choosing the right structure - Solo 401(k), SEP IRA, or defined benefit plan - can significantly change how much you're able to save and shelter from taxes each year.
Learn more about Retirement Planning→
Investment Management
I build a portfolio around your full financial picture, including the equity compensation you already hold, with an eye toward tax efficiency and appropriate risk management.
Learn more about Investment Management →
Tax Planning
1099 income comes with self-employment tax, quarterly estimated payments, and fewer automatic withholdings than a W-2 job. I help you plan ahead so tax season
'doesn't catch you off guard.
Learn more about Tax Planning →
Entity Structure Guidance
Whether to operate as a sole proprietor, LLC, or S-corp has real tax and liability implications — this decision often needs revisiting as income grows.
Income Smoothing & Cash Flow Planning
Variable income makes saving and budgeting harder to plan around. I help you build a financial plan that accounts for the ups and downs rather than assuming a steady paycheck.
Insurance & Risk Review
Without employer-provided benefits, you're responsible for your own life insurance. I help you review your coverage and identify any gaps.
Is This You?
-
You earn 1099 income and need help selecting the right retirement plan for yourself
-
You need comprehensive planning to build an investment allocation strategy from scratch
-
You're focused on tax planning to minimize what you owe
-
You want your investments aligned with your actual goals, time horizon, and stage of life
-
You need to review your life insurance needs and options
-
You're managing irregular or variable income and want a plan that accounts for it
Why self-employed Consultants Work With Me
When you don't have an employer building structure into your financial life, that structure has to come from somewhere. We focus on the specific gaps self-employed professionals face - retirement plan selection, tax planning without automatic withholding, and building savings discipline around variable income - so your plan actually fits how you earn and spend.
Want a financial plan built around how you actually earn income?
Schedule a Free Consultation →
Frequently Asked Questions
It depends on your income level, whether you have employees, and how much you want to contribute each year. A Solo 401K can offer Roth after tax options and for you to borrow loans from your account, but requires more administration.
Should I open a Solo 401K or a SEP IRA?
How do quarterly estimated taxes work?
As a 1099 earner, you're generally required to pay estimated taxes four times a year rather than having taxes withheld automatically. I help you plan around these deadlines so you're not caught off guard by a large bill or penalty.
I have irregular income - how do I budget and save consistently?
Building a savings plan around variable income usually means setting a baseline spending level based on your lower-earning months and directing surplus from higher-earning months toward savings and tax reserves. I help structure this based on your actual income pattern.