Small business owners have powerful retirement options  but which one’s best for you? This guide gives a quick glance at  the pros, cons plus contribution limits of SEP IRAs and Solo 401(k)s, with real examples to show how much you can save.

If you run your own business, no one’s setting up your retirement plan for you. But that doesn’t mean it has to be complicated! This post explains how self-employed professionals can start saving for the future with simple, flexible options like a SEP IRA or Solo 401(k).

LLC, S-Corp, sole prop… the choices can make anyone’s head spin. But often the real problem isn’t legal — it’s emotional. Here’s why business structure decisions feel so stressful, and how to replace confusion with clarity and confidence.

As your creative business grows, an LLC might not be the most tax-efficient structure anymore. Here’s a step-by-step guide to deciding when it’s time to elect S-Corp status and how to do it without getting lost in IRS jargon.

If you’re a freelancer or creative business owner, deciding between an LLC and an S-Corp can feel confusing. The good news? It’s easier than you think once you know what each really means. This post breaks down the difference and explains it in plain English to help you choose the setup that fits your business and your goals.

Even when the math works out, unpredictable income can take a toll on your peace of mind. This post explores why those ups and downs feel so stressful and how the right systems can help you find calm, control, and confidence.

When your income fluctuates, even small systems can make a big difference. Learn how to set up a buffer account - the simple, practical way to create your own steady paycheck, no matter how unpredictable your work schedule.

If your income swings from busy to quiet months, you’re not alone. Many creative professionals live on a financial rollercoaster. Here’s how to smooth the ups and downs and bring more stability to your cash flow without giving up the creative life you love.

For many creative professionals, money feels more confusing than empowering. Between irregular income, tax headaches, and competing priorities like retirement or college savings, it’s easy to feel stuck. The FAR Financial Clarity System™helps untangle that complexity—turning scattered finances into a clear, actionable plan that builds confidence for you and your family.

You don’t realize how much you rely on something until it stops working. A couple months ago, I broke my elbow. I was not on some grand adventure, just taking my usual morning walk. Suddenly, daily life became complicated, and I realized how interconnected everything was. Our financial lives are similar: quietly supporting us until something goes wrong. Here’s what breaking an elbow taught me about financial resilience and planning for the unexpected.

We talk about  a lot of things with friends and family: relationships, health, careers—even politics. But money? That one tends to stay locked away.

Why talking about money feels so isolating, even with the people closest to us—and what can shift when we finally open up. If you’ve ever felt like you’re carrying your financial worries alone, you’re definitely not the only one. Talking about money doesn’t have to be taboo—it just takes a little trust, a safe space, and maybe someone to help you sort through the noise.

#MoneyFeelsPersonal #FinancialWellness #TalkAboutMoney #CanWeTalk #FinancialClarity

Ever overhear someone debating a Roth 401(k) versus a traditional 401(k) at a party and struggle to "read the room"? Guilty as charged! Choosing between these retirement plans doesn't have to be complicated—it really boils down to your tax expectations, flexibility preferences, and future plans. Spoiler alert: I may have gone a bit too deep explaining all this to someone who just wanted simple answers. Oops!

Understanding your retirement options matters—but so does knowing when to hold back your inner financial planner at social gatherings. If you've ever wondered how to make the right choice without all the financial jargon (or awkward party moments), this quick guide is for you.

Identity theft can turn your financial life upside down in an instant. My wife learned this the hard way when scammers used her information to create a fake identity, open credit cards, and even secure a personal loan. The frustrating part? It all could have been avoided with a simple credit freeze—a free, easy-to-use tool that locks down your credit report and keeps fraudsters out. This post walks you through why identity theft is a real threat, how to freeze your credit, when to unfreeze it, and other essential steps to safeguard your financial future. Because when it comes to protecting your identity, prevention is always easier than cleanup.

Do What You Must, Let What Happens Happen

Marcus Aurelius, russian rock and financial clarity. Financial wellness isn’t about predicting the future—it’s about making smart choices today and protecting what matters.