Top financial advisors working with independent contractors
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you work as an independent contractor, you face unique challenges like irregular income and managing your own taxes and benefits. Without an advisor who understands these nuances, you might miss opportunities to optimize your cash flow or tax situation.
- Income variability planning. Look for advisors who help you build budgets and savings plans that handle fluctuating earnings.
- Tax self-management. Confirm how they guide you through quarterly estimated taxes and deductions specific to contractors.
- Retirement options. Ask about retirement plans suited for independent workers, like SEP IRAs or solo 401(k)s, and how to choose between them.
- Benefit alternatives. Check if they discuss health insurance and disability coverage options outside traditional employer plans.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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John G
ChFC®
Kona, HI
Integrated Wealthcare, LLC
John Gallagher specializes in retirement plans for business owners, including SEP IRAs and solo 401(k)s, which are crucial for independent contractors managing their own retirement savings. Operating from Kona, HI, he offers flat-fee financial planning and fractional controller services, catering especially to established professionals like medical practitioners, providing a focused approach compared to advisors with broader client bases or different fee structures.
Experience: 2 years
Avg account: $1,378,304
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Paul M
CFP®, Series 65, Series 63
Littleton, CO
Agile Wealth LLC
Paul Monax specializes in financial planning for independent contractors, offering expertise in retirement plans like SEP IRAs and solo 401(k)s, along with general tax planning tailored to fluctuating incomes. Operating Agile Wealth LLC as an independent CFP®-certified advisor, he provides flexible fee options including flat fees and monthly subscriptions, and integrates tax-aware asset management with a mix of index and actively managed funds, distinguishing his approach from others in the US market.
Experience: 11 years
Avg account: $193,186
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Travis M
CFP®
Weatherford, TX
Forthright Financial Services
Travis Mccullough specializes in financial planning for independent contractors, offering expertise in business financial management and tax strategies tailored for small businesses. His firm provides flat-fee comprehensive financial plans starting at $3,000 and hourly consulting at $250, which may appeal to contractors seeking transparent pricing. Located in Weatherford, TX, Travis combines a CFP® certification with a personal background connected to contracting, enhancing his understanding of the unique financial challenges faced by independent contractors.
Experience: 7 years
Avg account: $109,194
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Trish J
CFP®
Oakland, CA
Raise Financial Advisors LLC
Trish Johnson specializes in financial planning for independent contractors, focusing on debt management and cash flow budgeting, which are crucial for managing irregular income. She offers a flat-fee structure with options ranging from project-based plans to ongoing quarterly fees, providing flexibility compared to hourly or AUM-based fees. Located in Oakland, CA, Trish brings five years of experience and a CFP® certification, along with a strategic approach influenced by her nonprofit work teaching financial skills to youth.
Experience: 5 years
Avg account: $369,319
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Jugalkishor M
Series 65
Johns Creek, GA
Chanakya Business Ventures LLC
Jugalkishor Malpani specializes in advising independent contractors, offering expertise in options and derivatives strategies that can help manage income variability and investment risk. Based in Johns Creek, GA, he serves high-net-worth clients through Chanakya Business Ventures LLC, which focuses on equities and ETFs with tailored investment policies and a 1.50% AUM fee, differentiating him by combining specialized strategies with a performance-based fee structure.
Experience: 5 years
Avg account: $241,381
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