Contractors
Contractors and trade-business owners may encounter planning considerations tied to seasonal cash-flow swings, equipment financing, and building savings outside of a traditional paycheck.
Typical financial questions
- How do I plan around seasonal or project-based income?
- What retirement savings options make sense without an employer plan?
- How does equipment or vehicle financing affect my personal finances?
Potential planning priorities
- Smoothing planning around variable income
- Retirement savings options for the self-employed
- Coordinating business and personal financial decisions