Financial Advisors for Solopreneurs

Kimberly Green | 2026-03-10

Financial Advisors for Solopreneurs: What You Need That Most Advisors Don't Offer Being a solopreneur is a specific financial situation. Not a startup founder with a cap table. Not a salaried employee with a 401(k). Something in between—and usually underserved. Your income varies by month. Your retirement account is whatever you set up yourself. Your business and personal finances blur together in ways that create genuine tax complexity and planning challenges that most generalist advisors haven't worked through. The advisors on this list have. The Financial Problems Solopreneurs Actually Face Irregular income: How do you plan and invest when revenue comes in waves? Most financial planning software assumes stable monthly income. Solopreneurs need something more dynamic—a plan that accounts for boom months and lean months, and uses the surplus strategically. Self-employment tax: At 15.3% on net self-employment income, SE tax is often the biggest tax bill a solopreneur faces. It's also one of the most reducible with the right structure. A good advisor should flag this in the first meeting, not after you've paid 12 months of overage. Retirement accounts: Solo 401(k)s and SEP-IRAs can shelter $23,500 to $66,000+ per year of your income, depending on your business structure. Most solopreneurs either aren't using them or are leaving tens of thousands on the table annually. No employer match, no HR department: Every financial benefit salaried employees get automatically—health insurance, retirement match, disability coverage—you have to build and fund yourself. An advisor should help you price this layer in. S-corp timing: At the right income level (roughly $80,000 to $100,000 and up), an S-corp election saves real money on self-employment taxes. Most solopreneurs find out about this late, after they've paid years of unnecessary taxes. Three Advisors Who Speak Your Language Anthony Syracuse, CFP — Scottsdale, AZ Anthony's flat fee of $7,500/year is explicitly designed for clients with income complexity but without a large accumulated investment portfolio—the classic established solopreneur. His work covers financial planning, investment management, and tax strategy in one relationship. For solopreneurs, the tax piece is often the highest-leverage work: retirement account optimization, S-corp timing, quarterly estimated tax planning, and making sure your business structure matches your financial goals. Fee-only fiduciary. No commissions, no product sales. This alignment matters. Find him: samslist.com/advisor/anthony-syracuse-cfp Matt Chiappetta, CPA —...

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