Independent Income Advisory

Modern professionals increasingly earn income outside traditional payroll — consulting, freelance work, online sales, NIL compensation, or secondary revenue streams.

Once taxes are no longer withheld, responsibility shifts entirely to the earner. Most problems that follow are not caused by complicated law, but by disconnected systems and unclear information.

Our role is to establish a coordinated financial framework so accounting, tax reporting, and long-term planning support reliable decisions rather than reactive ones.

The objective is simple: know where you stand at all times.

Core Framework

We coordinate three primary systems so they function as one operating structure:

QuickBooks Online
Provides an accurate financial record so spending, hiring, and saving decisions are based on real numbers.

TaxAct (Business & Personal Filing)
Aligns business activity with individual reporting. Clients file returns; we review prior to submission so they proceed with confidence.

Fidelity Custodial Accounts
Integrates retirement and HSA planning into tax decisions rather than treating them separately.

For certain situations, more advanced retirement structures allowing investment in non-traditional assets (such as real estate or private investments) may also be appropriate. Because these arrangements carry strict compliance requirements and potential tax consequences, they are considered only after reliable reporting discipline is established and suitability is evaluated.

Clients retain custody and control of all accounts.
Our role is design, guidance, and ongoing oversight.

Advisory Engagements

Foundation Advisory — $1,500

For individuals beginning independent income activity.

Includes:

  • structure review

  • tax projection

  • retirement planning outline

  • accounting framework guidance

  • filing review prior to submission

Result: establish clarity early and prevent avoidable problems.

Growth Advisory — $3,900

For consistent or expanding independent income.

Includes:

  • entity election analysis

  • compensation planning

  • multi-scenario projections

  • quarterly planning guidance

  • coordinated reporting structure

Result: repeatable financial discipline and predictable obligations.

Strategic Counsel Retainer — $8,500 annually

For higher-income or multi-stream earners requiring ongoing oversight.

Includes:

  • periodic strategy meetings

  • rolling projections

  • year-end execution planning

  • distribution and savings sequencing

  • continuing structural review

Result: continuous operational control instead of periodic correction.

Software subscriptions are maintained directly by the client.

Engagement

All engagements begin with a strategy consultation to determine the appropriate level of structure.

The purpose is not merely compliance, but informed decision-making over time — reducing uncertainty and allowing attention to return to work, family, and long-term planning.

Our structured tax advisory is presented publicly as Lemme Kill Your Taxes — the same service explained here in full detail.