Financial Advice for the Way You Actually Work

No jargon, no generic checklists. Just practical, CFP-written guidance for freelancers, self-employed professionals, and anyone who's tired of financial content that assumes they have a benefits package.

What You'll Find Here

Kirstin Chavez, CFP®, writes about the financial decisions that actually come up for people with irregular income, complex tax situations, and work lives that don't fit the standard template. Every post is structured around a specific decision or concept — not general encouragement to save more and spend less.


Topics covered here include retirement planning, Roth conversions, income strategy for variable earners, Solo 401(k) and SEP-IRA comparisons, education savings, insurance basics, and annuities explained without the sales pitch.

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How Freelancers Can Manage Erratic Income With Confidence

Freelance income may be unpredictable, but your financial life does not have to feel chaotic. A flexible spending strategy, intentional cash reserves, tax awareness, and retirement planning can...
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How to Start Retirement Planning Before You Feel Ready

Starting retirement planning before you feel “ready” is the single highest-leverage financial move available at this life stage. For adults in their thirties and forties, especially those balancing...
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Solo 401(k) vs. SEP IRA for Freelancers

Both a Solo 401(k) and a SEP IRA can offer substantially more tax-advantaged saving potential than a standard IRA for freelancers and self-employed professionals. For many people with modest-to...
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Can't Find What You're Looking For?

If there's a question you've been sitting with that none of the posts here have answered, the fastest path to an answer is a conversation.

Questions About the Blog

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