Tradespeople & Contractors

You built your business with your hands.
Let’s build your wealth the same way.

Irregular income, equipment costs, no employer retirement match — we understand how your business works and build plans around it.

We Get It

You built your business with your hands.
Let’s build your wealth the same way.

Contractors, electricians, plumbers, HVAC techs, and skilled tradespeople face a financial reality most advisors don’t understand — irregular income, equipment costs, and no employer taking care of retirement.

We do. And we build plans around how your business actually works — not some textbook version of it.

Your Real Challenges

Income fluctuates — some months are great, some aren't, and your plan has to handle both

Equipment purchases and business decisions compete with personal savings

Nobody's matching your 401(k) — your retirement is entirely on you

LLC vs. S-Corp, buy vs. lease, how to pay yourself — the questions pile up

Your body won't do this forever — you need a plan that doesn't depend on it

67%

of self-employed tradespeople have no formal retirement savings plan beyond a basic IRA

$47K

average annual tax overpayment by self-employed contractors without an S-Corp election

40s

the decade when most tradespeople realize their body has a retirement date even if their finances don’t

Built for the Trades

Irregular income isn’t a problem to work around — it’s the reality we plan for.

We build systems that work whether you’re in your busy season or your slow one, so you can stop white-knuckling it every January.

What We Do For You

Planning that works around your business, not against it

Cash Flow Planning

We help you build a system for managing irregular income — covering lean months, setting aside taxes, and still building wealth consistently.

Self-Employed Retirement

Solo 401(k), SEP-IRA, SIMPLE IRA — we find the right structure and help you contribute as aggressively as possible while minimizing your tax bill.

Business Structure & Tax

S-Corp or LLC? How should you pay yourself? What can you deduct? We answer the questions your CPA might not be raising proactively.

Protection Planning

Disability insurance, life insurance, business overhead coverage — if you get hurt and can’t work, your plan needs to survive it.

Our Process

Simple steps, real results

Clear and jargon-free. You’ll always know exactly where you stand and what comes next.

Free Intro Call

30 minutes. Tell us about your business, what you’re dealing with, and what you want to build.

Review & Plan

We look at your numbers, your structure, and your goals. Then build a written plan around all three.

Implement Together

We help you execute — setting up retirement accounts, restructuring if needed, getting protection in place.

Stay the Course

Regular check-ins, proactive updates, always a call away when something comes up in the business.

Quick Assessment

Are you financially protected?

5 questions to see how your financial foundation holds up — on a good month and a slow one.

Question 1 of 5 0%

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Schedule a Free Call →

You built your business with your hands.Let’s build your wealth the same way.