SEP-IRA, Solo 401(k), SIMPLE IRA, and traditional IRA — the four retirement accounts available to the self-employed, with 2025 contribution limits and when each makes sense.
For independent creatives, freelancers, and touring professionals, the financial landscape operates by different rules than the standard advice assumes. Understanding those rules — and building systems that account for them — is the foundation of sustainable independent work.
The strategies outlined here have been reviewed by credentialed financial professionals and are intended for educational purposes. Individual circumstances vary; consult a licensed tax or financial advisor before implementing any strategy.