Planning areas
Inquiry-based planning support is built around the questions you raise. These are the areas self-employed professionals most often bring to a consultation.
The planning support we offer is not a fixed package. It is shaped by your situation after an inquiry. The areas below describe the kinds of questions freelancers and self-employed professionals bring to us most often — you may bring one, several, or something we have not listed.
Irregular income structure
Mapping a variable income stream to reserves, advance-payment timing, and business expense cycles so that an irregular year does not feel like an unpredictable one.
Retirement line for the self-employed
Building a retirement provision that does not depend on an employer pension — including the role of the national pension, personal pensions, and how much to direct, and when.
Tax reserves and provisions
Setting aside the right amount for value-added tax and income tax through the year, so the annual settlement is not a surprise. We work from your actual cycle, not a flat percentage.
Insurance gaps
Reviewing where the absence of an employer group plan leaves you exposed — health, disability, and professional liability — and what to consider before adding cover.
Client and contract concentration
Looking at how much of your income depends on one or two clients, and what a plan can do to reduce the impact of a lost engagement.
Separating business and personal money
Practical structure for keeping business income, personal spending, and savings distinct when you are a one-person business — without adding complexity you do not need.
What a consultation does not include
We do not present prices, packages, credentials, regulated activities, or commercial terms on this site, because those details are confirmed with you during the inquiry. We do not sell investment products as part of a consultation, and we do not make performance promises. If your situation calls for a licensed activity we do not cover, we will say so and point you elsewhere.
Start with an inquiry
If any of these areas match a question you have been carrying, the next step is an inquiry — a short message describing your situation. We write back by email, typically within two working days.