I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

I was one signature away from a $640/month Jaguar XE.

I walked out.

2020. Car dealership. Everything was ready:

• Credit cleared.
• Loan approved.
• Papers in front of me.

Monthly payment: $640/mo. 🤯

I glanced out the window.

My 2012 Subaru was sitting right next to the Jaguar.

• Runs perfectly.
• 63,000 miles.
• Paid off.

And I thought: "What am I doing?"

I backed out. Drove home in my Subaru.

Took that $640/month and put it toward retirement instead.

$640/month for 4 years = $30,720.
At 8% annual return over 40 years?

That turns into $1,023,000.

One decision.
One signature I didn't sign.
Worth over a million dollars in retirement.

I didn't drive a nice car for 2 years.

But I wasn't trading my future for a car payment.

P.S: I bought the Jaguar 2 years later at a cheaper price.

I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

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We spent $2,482 on our 4 day Austin trip last week.

And I never once worried about the cost.

Here's what we did:

• Flew down for our college friends wedding.
• Checked in on our 2 rental properties.
• Saw friends we haven't seen since last March.

The whole trip, I didn't open my banking app once.

I didn't swipe my card thinking, "Can I actually afford this?"

It was a done deal the moment we booked the flights.

Before the trip:

Travel fund? Funded.
Investments running on autopilot.
Rental income covering the mortgages.

So when it came time to show up—for the wedding, for our friends—I wasn't spending.

I was just using money that had been set aside months ago.

Most people skip trips like this.
Or they go and spend the whole time worrying about money.
Or spend frivolously piling on more debt.

I've worked with business owners making between $250k-$400k who can't take a week off without panicking about cash flow.

And I've worked with clients making $180k who travel twice a year without blinking.

I spent $2,482 in Austin last week. 

But I didn't feel it.
Nor did my bank account.

My parents were stuck in Qatar for 168 hours after the US decided to strike Iran.

I've never felt more helpless in my life.

There's no lesson here. Just a reminder:

Hug, kiss, and tell your loved ones how much you appreciate them every single moment you get.

The world is an unpredictable place. 

P.S: My parents are back home, safe and sound! If you had a loved one who was affected, I'm praying for their safety too.

Just dropped ₹2,49,334 in India for my wedding outfits.

That's about $2,500. Here's the best part:

It's not the fact that I saved A LOT of money.
Or I travelled to see family.
And reunited with everyone after 3 years.

Spending hard earned money on memories are the only dividends you need in life.

So ball out, my friend. You have my permission 🤑

undefined undefined

2021: $13,293 in AUM.
2022: $17,345 in AUM.
2023: $873,871 in AUM.
2024: $6,312,009 in AUM.
2025: $12,429,991 in AUM.
2026: ???

Everyone starts the race at the starting line.
But you choose how long you want to keep going.

You stick to your job.
Let time do the rest.

Between Feb 14th and Feb 27th, I made $11,344.

While working from this 162 sq. ft room in my Grandma's house in India.

Been to India 4 times in the last 4 years I've been working for myself, and it always gives me a sense of gratitude.

I wasn't in an office.
I wasn't tied to a desk.
I wasn't asking for time off.

I was halfway across the world. And my business kept running.

Everyone talks about this freedom.
Yet nobody wants bad enough to actually live it.

The money will come and go. 
But the memories, the time and the health all erode away.

It's all about control. 

Control over your time.
Control over your income.
Control over your location.

When you work for someone else, you need permission to take vacation.
When you work for yourself, you decide when and where you work.

I'm not saying it's easy, but it is simple.


Start small.
Build on the side.
Figure it out as you go.

Because once you build it?

You get to live life on your terms.

What's stopping you from starting today?

Because the alternative is spending the next 40 years watching someone else control your life.

My client pays $1,200/year for life insurance.

He has no spouse. No kids. No mortgage.

Who exactly is he protecting? I asked him that last month.

35 years old.
Software engineer.
Making $280K.

"Who's this for?" He paused.
"I don't know. My colleagues told me I needed it."

If you're single with no dependents or debt, life insurance is a waste of money.

Nobody relies on your income.
You're just paying to protect people who don't need protecting.

I have another client—Engineer at Google.

42 years old.
Married with 3 kids.
$450K mortgage.
$410K household income.

If he dies tomorrow, his family loses everything.

He's paying $15,000/year across everything:

$2.5M Term for him.
$2.5M Term for his wife.
Max Funded Permanent Policy for Tax Benefits.

That's not a waste.
That's the smartest $15,000 he spends every year.

If people depend on your income, you need life insurance.
If they don't, you're lighting money on fire.

Stop buying insurance because "someone" told you to.
Start buying it because someone actually depends on you.

DM "LIFE" for a free insurance review—I'll show you exactly what you need (and what you don't).

I lost a client 6 weeks after they started working with me.

He agreed to everything..... at first.

Then did none of it.

This client was a referral from an existing client.

• Married with 2 kids.
• $250K household income.
• 7 rental properties with $1,500/month cash flow.
• HELOC at 8% on his primary house.

If he lost his job, this house of cards would collapse fast.

So I put together a plan:

• Pay off the HELOC ASAP.
• Get his wife a part-time job while looking for full-time.
• Sell the underperforming properties before it's too late.

He agreed to everything. Then did none of it.

6 weeks later, he fired me.

My first thought: I'm not good enough.

Maybe my plan was wrong.
Maybe I invested at all-time highs when I should've waited.
Maybe I pushed too hard.

I replayed every conversation trying to figure out where I screwed up.

But after talking to him:

He said he wanted change. He just didn't want to do anything differently.

Agreement isn't commitment.
And I can't want it more than he does.

I spent 6 weeks trying to save someone who didn't think he needed saving.

That's on me for not seeing it sooner.

Not every client relationship works out.

And that's okay.

Now I know the difference between someone who wants help and someone who just wants validation.

If you max out your 401(k), you will be fine.
If you invest in Real Estate, you will be fine.
If you max out your Roth IRA, you will be fine.
If you invest in your brokerage, you will be fine.
If you contribute to a 529 plan, you will be fine.
If you work with an accountant, you will be fine.
If you have Term Life Insurance, you will be fine.
If you have a Auto or Student Loan, you will be fine.
If you implement at plan at 45 instead of 35, you will be fine.

All in all, if you're doing the basics, you will be just fine.

BUT...

Doing basic work will get you basic results.

It won't get you the life that you want to live, instead it will make you live the life that you silently judge others on.

Don't let that be you. 

Start now. Start today. 

My DMs are open.

At 34 years old, they make $430,000/year.

And don't save a single dollar.

I talked to this couple 2 weeks ago.

Here's what their reality looked like:

• $17,000 on credit cards.
• Two luxury car payments.
• $6,000/month mortgage.
• No emergency fund. $80,000 in an IRA.
• Rentals losing money every month because rent < mortgage.

Almost half a million in income.
Nothing left at the end of the month.

I could say they were reckless... but they were just stuck in the "we'll save next month" loop.

If your lifestyle scales with your income, you'll always feel broke—no matter how much you make.

So we built a system:

$3,600/month automated to investments and savings—comes out first, before any spending.
$8,000/month for fixed costs in one account.
$2,500/month guilt-free spending in another.

Every dollar now has a job.
But they'll have to cut back their lifestyle significantly.

And that's going to hurt for the first few months.

The system only works if they stick to it.
That's the hard part nobody talks about.

DM me "MONEY" if you're making good money but have nothing to show for it.

What's the point of making $600K if you're still living like you make $60K?

Here's the biggest myth you're falling for:

High income = Financial literacy.

It's the exact opposite: 
Sales employees making insane money with no idea where it's going.

Here's what I've seen in the last year:

• $12M net worth client paying $180K in taxes he could've reduced by 40%.
• Prez Club client making $400K with $12,000 left in his account at the end of the year.
• Real Estate believer with 7 rentals, buying his 8th property but losing $2,500/month in cash flow.

You can make $600K and still be broke.
Because income doesn't solve a bad mindset.

I've worked with people making $150K building wealth faster than people making $500K.

Why?
Because they have a plan.
Or they're working with a team like mine.

Making money is one skill.
Managing it is another.

If you're making great money but still feel broke, the income isn't the issue.
The system is.


P.S: What's your biggest money habit you wish you could change?

Between Feb 14th and Feb 27th, I had 6 qualified inbound leads.

From a time zone that's 12.5 hours ahead.

I didn't listen to Alex Hormozi:

I didn't run ads.
I didn't cold call.
I didn't send a single email.

People found me.
Because I've been building a personal brand for 3 years.

Most people think personal branding is for influencers or creators.

Nah. It's for anyone who wants opportunities to come to them instead of chasing them.

Here's what a personal brand does:

→ It builds trust before you ever have a conversation.
→ It makes you visible when you're not in the room.
→ It opens doors you didn't even know existed.

I was halfway across the world in India. 
Asleep when these people reached out.

And they still found me.
Sometimes from posts that were 5-7 days old.

That's the power of showing up consistently online.

Your personal brand works for you 24/7.

And keeps paying dividends.

Every post you write.
Every insight you share.
Every story you tell.

It's building credibility that compounds over time.

While you're waiting for the "perfect time" to start posting, someone else with half your experience is building their brand right now.

And they're getting the opportunities you think you deserve.

The market doesn't care about your resume.
It cares about who shows up.

So you can either start building your brand today or watch someone else take your spot.

What's it going to be?

$23.85. That was my first paycheck in this business.

I stared at it thinking, "What am I doing with my life?"

My friends were making $80K, $100K salaries.
And I couldn't even crack $500/month.

Every single cell in my body was telling me not to pursue this opportunity.

So, I tried other things.
Explored different paths: Drop shipping, Copywriting, Streaming.

But I kept coming back to this business.

So I tried working through it, but:

My own family didn't trust me with their money.
My friends never did business with me.
My colleagues outcasted me.

Which led me to have imposter syndrome every single day.

"Who am I to give financial advice?"
"Should I just get a normal job like everyone else?"

I knew people making 10x what I was.
Most of them in my friend circle.

And I couldn't even convince my parents to become clients.

But I didn't quit.

I showed up.
Learned everything I could.
Grinded when nobody was watching.

Because I knew I had the potential.

Now?

My entire family are clients.
Friends I grew up with are clients.
I've poured thousands back into this business.

Best of all, I don't question *if* I'm going to be succesful. 
To me, it's *when*.

I'm not done yet. 
And I'm a hell of a lot further than $23.85.

What kept you going when everyone doubted you?

I've talked to 11 people in the last 2 weeks who hate their jobs.

All of them want out, but I bet $50 none of them will leave. 

All of these conversations have the same premises:

"I was sold a very different dream."
"I realized there's nothing at the top."
"I do a good job, and I'm rewarded with more responsibilities."

So what's stopping you?

"I have a mortgage."
"I've got kids to feed."
"My spouse doesn't work."
"I can't afford to take that risk right now."

I get it. Responsibilities are real.
Bills don't stop because you're unhappy.
And the job market is in turmoil right now.

Forgive me for being the voice that others are too scared to say out loud.

But here's the hard truth:

You have two options.

Option 1: Accept it.

Stop complaining about your job.
Stop dreaming about what could be.
Make peace with the path you're on.

There's absolutely nothing wrong with choosing stability.
But you don't get to be miserable for choosing it AND do nothing about it.

Option 2: Work 10x as hard and jump ship.

Wake up earlier.
Have a 5-9 before your 9-5.
Sacrifice weekends for the next 2 years.

It's going to suck.. it's going to be the hardest things you've done.

You'll be exhausted. You're eyes are going to be baggy.
You'll be Nespresso's top consumer.
And your free time disappears.

But eventually, you'll have options.
And options = freedom.

I have no children. 
But I have a to-be wife, a mortgage, and staff to pay.
My responsibilities might be slightly less worrying, responsibilities nonetheless.

But throughout my career, I've learnt:

You cannot stay comfortable while being miserable.
You either accept where you are or you fight to change it.

But you can't do both.

So which one are you choosing?


P.S: I'm looking for 3 people in Q2 who believe that they are meant for more, and believe they are the Option 2 path-takers. DM me "Option 2" and I'll reach out to see if my team can help.

I'm stuck between a rock and a hard place.

Would you rather get licensed, work for a big box firm with a steady paycheck, with no ownership to gain experience?

Or

Would you get licensed, bet big on yourself with a variable income, have 1:1 mentorship with full ownership and gain experience along the way?

Asking for a friend.

P.S: I'm looking for the latter.

As of today, I have $8,945 in credit card debt, but $100,000K+ saved for a wedding. I could pay off the debt, but I choose not to. Here’s why:

Leverage.

Most people hear “credit card debt” and immediately assume irresponsibility.
But here’s what they miss:

→ That balance is on a 0% APR promo.
→ Earning more than the interest I’m being charged 
→ The money I could’ve used to pay it off? It’s marked for my wedding.

This is what most people never get taught:

Bad debt drains you.
Credit cards at 22%, high-interest loans, buy-now-pay-later traps.

Good debt buys you time, leverage, and flexibility.
Used correctly, it accelerates wealth.

I’m not saying go rack up cards.. although I did open 2 new cards for the bonuses.

I’m saying—understand the strategy.

I'm so excited to payoff the debt and see that $0.00.
But it’s not the smartest move financially, at this moment.

The goal isn't to avoid debt at all costs.
It’s to learn which debt builds and which one buries.

Because the difference?

Could be the reason someone stays stuck at $80K/year...

While someone else builds a million-dollar net worth off the same salary.

P.S: Just got approved for the United Club Business and Hilton Aspire Cards. Any cardholders wanna share their experience?

7 months into working with me, and she forgot about her RSU's from 2016.

They're -45% from her vesting date.

Here's what happened:

Client works for a renowned CRM company.
She got RSU's as part of her comp package. Typical.

Vested. 
Held onto them.
Never looked at them again.

Fast forward to now:

The stock tanked 45% since it IPO'd.
Most of her tax lots are down 60-70%.

She's sitting on a $60K loss she didn't even know existed.

It's normal.

Tech employees get RSU's and treat them like free money.
and they implement the "Vest-and-Hope" Strategy.

This happens more than you think.

But you see, RSU's aren't diversified.

They're tied to one company.
And if that company tanks, you lose.

So what did we do?

→ Tax-loss harvesting to offset her gains elsewhere.
Sold enough of her portfolio to offset some income tax and use the rest to offset capital gains tax.

→ Rebalanced her portfolio so she's not overexposed to one stock.
Something better to manage risk that's cost efficient, and meets their goals.

She went from sitting on dead weight to using that loss strategically.

RSU's are part of your compensation.
Not your investment strategy.

The moment they vest, you need a plan.

If you haven't touched your RSU's in years, 
you might be in the same boat.


P.S: If you need an RSU review/strategy and have no idea where to start, Dm me "RSU" and we can explore if working together is a good fit.

My client missed out on $47,300 in 2 years.

Despite working with my team.

He came to me in 2022:

• Switched jobs for higher pay.
• RSU's vesting over 3 years.
• 30% salary increase.
• Chunky sign-on bonus.

He was motivated to get everything in place financially.

But then he got cold feet.

The signs were all there:

• Kept pushing off meetings
• His internet would be down
• Expenses kept coming up
• Work kept him busy

Eventually, he ghosted us.
No replies for 12 weeks.

I gave up.

Cut to September 2024. He finally replied.

2 years later.

"Hey Omkar, hope all is well. I finally had a chance to sit down and analyze your plan."

I reconnected with him, excited to chat.

But his situation was completely different:

Got married.
Lived the same college lifestyle.
Bought a house he couldn't afford.

I couldn't take him on as a client.

Here's what he lost in those 2 years:
1. $12,500 in Roth contributions that would've grown to $18,200 at 8% annual return.
2. $15,000 in tax deductions he could've claimed.
3. $3,000 in interest he paid that could've been avoided.
4. $10,600 in RSU growth he missed by not rebalancing when he should have.

Total: $47,300.

Gone. Because he waited.

Don't be this guy. 2 years is a long time to pay for cold feet.

Credit card points are a scam.

No single card has all the benefits you want.

• Chase Preferred has great travel partners.
• Amex Platinum has lounge access.
• Capital One has hotel transfers.

So what do you do?

You open 3, 4, 5 cards to "maximize" your points.

Now you've got 47,000 points with Chase, 32,000 with Amex, 19,000 with Capital One.

None of them are enough to book anything good.

So you're stuck waiting, accumulating, spreading yourself thin across multiple programs.

And to actually maximize points, you have to spend a ton of money.

"Earn 5x on travel!"
"Get 3x on dining!"

Cool.

I need to spend $20,000 to earn enough points for a $600 flight?

That's not a reward.

That's just spending money with extra steps.

I've had clients tell me they opened 6 credit cards in one year, chasing sign-up bonuses, trying to game the system.

And now they're juggling payment dates, annual fees, and point expiration dates like it's a part-time job.

(Some are scared to close accounts because it'll affect their credit score)

All to save $400 on a vacation they could've just paid for.

If you're spending money you wouldn't normally spend just to earn points, you're not winning. You're getting played.

Pick one card, use it for everything, pay it off every month.

And if you want to travel, save the cash.

Points aren't free money. They're a loyalty tax disguised as a reward.

Every other Friday, you wait for that $5,231 paycheck.

But by Monday... that paycheck goes poof.

It's a repeat of the same things:

You worked late nights.
Put in weekend hours.
Closed the deal that finally hit your quota.

Payday arrives—
And quicker than that, the $$$ disappears.

Because here’s what happens:

→ The Chase bill hits.
→ The car payment auto-drafts.
→ Groceries, daycare, travel... all waiting in line.

By Monday morning, you’re already stressed about how to stretch what’s left.

This isn’t carelessness (well maybe a bit..)

But mostly, it’s a missing skill.

Because *earning money* and *managing money* are two completely different games.

One fills your account. The other builds your freedom.

Without a cash flow system, the cycle repeats:

• Direct deposit in on Friday.
• Expenses drain it by Monday.
• Anxiety fills the rest of the month.

What's worse? 
You can’t out-earn disorganization.

Most Sales clients making over $200,000, don’t need more money, they want it.

But they NEED a structure that makes cash flow predictable, month after month.

What's your cash flow management look like?

DM me "FLOW" and I’ll show you how to finally keep more of what you earn.

The Health Advocate: Health Insurance Consulting Services

I specialize in helping high-income self-employed individuals and small businesses reduce health insurance costs without sacrificing coverage quality.

✅ Private plans (not income-based)
✅ 20–30% lower premiums
✅ Nationwide PPO networks
✅ Ideal for healthy individuals/families

If you're self-employed and overpaying — I’ll help you fix that. Fast.

➤ DM me or visit https://calendly.com/thehealthadvocate

Health Insurance Consultant

Owner

1st Gen Entrepreneurs

Member

Helping Entrepreneurs Uncover Their Health Insurance Options and Find Coverage They Need Right Now | Long Term Problem Solver | Decipherer of Boring Insurance jargon

If you’re self-employed, healthy, and earning a high income — your health insurance is probably costing you too much.

Most of my clients come to me paying inflated ACA/Marketplace premiums because their income disqualifies them from subsidies. Sound familiar?

I help entrepreneurs, freelancers, and small business owners switch to private network plans that:

Aren’t based on your income

Travel nationwide

Often save you 20–30% monthly in premiums

And give you the PPO network coverage everyone always wants

I do all the research, simplify the jargon, and guide you to a smarter, more sustainable solution — without sacrificing quality of care.

Check out my website to see if we're a good fit -> https://thehealthadvocate.co/

💬 Or just DM me “Insurance” and I’ll send the details.

Mitchell Underwood

Now this is really something 

Two different connection requests
6 hours apart

Exactly the same message 🤦‍♂️

Also, anyone else ever been told they have warrior blood by a complete stranger before?

I’m not a LinkedIn guru or anything but I feel like thats a bit much 

Filing this under “What in the automated hell” category

Anyone else seen this before?

Helping High-Income Self-Employed Save 20–40% on Health Insurance | Private Plans | No Income-Based Pricing | Nationwide Coverage

75 hard enthusiasts, sober living folks, etc I respect the hell out of yall, but you can skip this post 


Anyone else thinking they might crack a beer tomorrow morning for this one? 😂👀

USA vs Canada for the Gold Medal in Hockey

7 am cst. Unreal start time for such a huge game but they are playing in Milan, so 🤷🏻‍♂️

Canada boasts probably the two best players in the world in Connor McDavid and Nathan Mackinnon + maybe the most talented team overall we’ve ever seen

Yet, they’ve struggled their last two games and have come pretty close to losing

Which gives me hope the USA can pull this thing off 

If you saw their match up last year at the Four Nations, you know this game will be incredibly intense. Pic below for reference.

That said, beer or no beer, who ya got!?

I got the US winning 4-3, game winning goal scored by Brock Nelson of the one and only Colorado Avalanche

Last week, a prospect I’d spent weeks helping texted me out of nowhere.

“No thanks. Going another direction.”
 
Wouldn’t take my call.  
Wouldn’t share why.  
After nothing but good conversations and zero objections.
 
Totally blindsided me, as there was zero hint of any concerns, dissatisfaction, or uncertainty

And to be honest, this one hurt for some reason. I've developed a thick skin over the years but this one actually struck a nerve. 
 
→ Fast forward to this week.
 
A small business owner who was about to get crushed by a brutal group renewal expressed how incredibly grateful he was for my help, saying that with my help, they had dodged a bullet after I was able to restructure their benefits package and save them over 3k a month in premiums

Same job.  Same effort.  Very different outcomes.
 
That’s the self-employed world.
 
One day you’re feeling frustrated and defeated, questioning what you did wrong

The next you’re reminded of exactly why you do what you do.
 
IYKYK

Friendly reminder: you can make an impact here by simply “liking” someone’s post

Sometimes a connection of yours sees that in their feed

And it leads them to someone whose help they’ve actually been looking for 

I know because it happened to me this week

All because one of you “liked” a post of mine 

So, even if you don’t have time to comment

If you see a post that resonates, someone whose work you support - drop a like or react

Not to be nice or to give them an ego boost 

But because it just might actually get them a client

2 ways self-employed people get blindsided by rising health insurance costs and how to avoid it
 
If you’re self-employed, your income isn’t static.
 
And that’s exactly where problems start.
 
 
1️⃣  Success can make your premiums explode
 
Year 1 in business?  Maybe you qualified for a large ACA tax credit.
 
Your family’s premium might have been:  
→ $0  
→ $100/month  
→ Very affordable
 
But Year 2?
 
Revenue grows.  
You update your projected income.  
The subsidy shrinks.... or disappears entirely.
 
And suddenly…
 
That $100/month plan becomes $1,300/month.
 
I’ve seen it happen.
 
Because ACA subsidies are income-based, the more you make, the less help you get. If you cross certain thresholds, you’re paying full price and that price isn’t small.
 
𝗛𝗼𝘄 𝘁𝗼 𝗮𝘃𝗼𝗶𝗱 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗰𝗿𝘂𝘀𝗵𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲:
 
If you don’t qualify for subsidies (or won’t next year), it may be time to evaluate private PPO options outside the Marketplace.
 
For healthy families without pre-existing conditions, private coverage can often run 20–30% less than an unsubsidized ACA plan - sometimes with better networks and lower deductibles.
 
The key is being proactive before your renewal hits.
 
 
2️⃣ Auto-renew can create a tax bomb
 
This one is sneaky.
 
If your Marketplace plan auto-renews and you don’t update your income, the system may use last year’s income projection.
 
If you made significantly more this year but kept receiving advance premium tax credits…
 
You could owe that money back.
 
All of it.
 
I’ve seen five-figure repayment bills.
 
Imagine thinking your coverage was “cheap” all year…  Only to get hit with a $15,000–$20,000 tax bill because you unknowingly took subsidies you didn’t qualify for.
 
𝗛𝗼𝘄 𝘁𝗼 𝗮𝘃𝗼𝗶𝗱 𝘁𝗵𝗶𝘀:
 
→ Always update your income projection with the Marketplace  
→ Don’t assume auto-renew means “everything is handled”  
→ Recalculate what your real premium should be  
→ If the updated premium is no longer affordable, explore alternatives
 
 
The bottom line:
 
When you’re self-employed, your health insurance costs are directly tied to your income decisions.
 
And your success could come with a lot of unforeseen costs if you aren't prepared or know how to navigate the health insurance landscape

If your income is growing or you feel you're definitely underpaying based on what you're bringing in each month, it’s worth reviewing your situation before tax season does it for you.
 
Because the worst surprises in this industry don’t happen during enrollment.
 
They happen when you file your taxes.

Texting a prospect and my phone just auto corrected “take you through the application” to “take you through the apocalypse” 

Which is kind of fitting for our healthcare system, to be fair 😂😂😂

So yeah, dont go through it alone, work with a pro - Ive seen it all 

That’s all I got today, stay safe out there yall ✌️

“I figured it would be like $500-$600 a month. $1300? WTF”

Sadly, many who leave their employer under estimate the cost of health insurance and end up feeling like this 

Stunned. Shocked. 
Highly annoyed - to put it lightly

They didn’t realize just how much their employer was subsidizing the cost of their plan

Until they saw their COBRA rate or shopped their Marketplace options 

And got gut punched by reality

Which is exactly why I recommend speaking to someone about your situation BEFORE you put in your two weeks and decide to make that leap


—> Yet, it always depends. This isn’t always the case

Because for every person that’s been hit with sticker shock

There are just as many I’ve encountered that are pleasantly surprised 

Who thought their family plan could be 2k/month and are perfectly ok with $900-$1200

Or even better - a family planning for a low income first year in business finding out they qualify for a tax credit to bring down the cost of their premium dramatically…from a few hundred a month to even $0/month

—> How to know where you’ll land? Or what the best fit is?

You could google it for a while and get some idea, poke around in the dirt, maybe make some mistakes

Or you can get straight to the point and send me a DM. 

There are many different variables to consider(Health, income, age, timing, qualifying events, etc) and I can help you make sense of all of it, quick

And get straight to the point 

During 1 short conversation 

“Based on what you’ve told me, this is what you can expect. These are what types of options you can explore. This is around what they will cost” 

Vs trying to figure it out on your own. 

Or worse, pulling the trigger without knowing and getting gut punched with surprises. 

If you have any questions, send me a DM.

You woke up without a job... not because you lost it, but because you bet on yourself.
 
You open your eyes.
 
6:00 AM.
 
For a split second, your body expects the old routine. The alarm. The rush. The commute. The meetings.
 
But then you remember…
 
You don’t have to be anywhere.
 
No boss.  No clock-in time.  No one watching.
 
You lie there for a minute longer than usual.  Freedom feels good.
 
And then it hits you.
 
Your paycheck isn’t guaranteed anymore either. 
 
No direct deposit every two weeks.  No HR department.  No employer-sponsored health plan quietly covering you in the background.
 
That coverage? It ends at the end of the month.
 
And now it’s on you.
 
This is the part no one talks about when you go self-employed.
 
You prepare for revenue swings.  You prepare to sell.  You prepare to market yourself.
 
But most people don’t prepare for navigating health insurance alone.
 
You quickly realize:
 
→ The plan you had through work was heavily subsidized  
→ The marketplace premiums are higher than you expected  
→ The networks look… different  
→ And suddenly you’re responsible for protecting your income, your health, and your family
 
This is where excitement can quietly turn into stress. 

And many people come to me this way, worried and unsure of what's next when it comes to health coverage, almost second guessing if they put the cart before the horse. 

HMO? PPO? EPO?
Premium Tax Credits?
Projected household income? Based on what? 

So many of these questions and more flood your brain the moment you actually start to look and to be frank, it is absolutely overwhelming. 

But I don't believe that being self employed should mean settling for confusing, overpriced coverage or crossing your fingers and hoping nothing happens.
 
It just means the strategy changes.
 
And that’s where I come in.
 
You bet on yourself.
 
Now let’s make sure you’re protected like someone who did. 

Send a DM if you're tired of dealing with this monkey business alone and just want good, affordable coverage that you can actually understand for once.

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