What the Self-Employed LTC Deduction Misses
A 55-year-old consultant pays $4,000 for a qualified long-term care policy. On Schedule 1, she deducts $1,800. The remaining $2,200 is after-tax money with...
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A 55-year-old consultant pays $4,000 for a qualified long-term care policy. On Schedule 1, she deducts $1,800. The remaining $2,200 is after-tax money with...
Most solo 401(k) owners stop at the $23,500 elective deferral and never look again. The plan allows up to $70,000 in total additions for 2025, plus catch-up...
A self-employed owner wants group health coverage for a spouse. That sounds straightforward. It isn't. Three separate legal tests decide whether the sale...
Freelance developers with the same income, age, and health profile as W-2 developers pay more for coverage. The gap is structural. It starts with where the...
Freelancers hear the same pitch every January. An HSA is the only account with three layers of tax savings. The pitch skips a detail that matters more than...
Your clients who practice alone carry a benefits load most W-2 employees never see, and that load includes the full health premium, the full retirement...
A solo 401(k) can hold $70,000 for 2025, before catch-up, under a plan you run yourself. Health benefits have no matching owner-only path. The retirement...
Gig platforms now sell critical illness insurance as the answer to having no employer benefits. The pitch is compact: one diagnosis, one check. Go back and...
Individual health insurance starts over every January. The insurer prices the new policy as though the prior twelve months never happened. None of the...
Direct primary care sells a simple promise: pay a flat monthly fee and get unlimited visits, same-day appointments, and direct message access to your...
30-minute call • Personalized retirement & Store projections
• No disruption to your current plan