Consultation path
Our consultation path is built for independents who already earn from clients or platforms but need a documented way to handle uneven months.
Step 1 — Inquiry and fit check
You describe your work pattern, major fixed costs, and what triggered the request (new contract, VAT threshold, family obligation). We confirm whether planning or a lighter review matches your situation.
Step 2 — Document gathering
Typical items include recent bank statements (business and personal if intertwined), outstanding invoices, recurring subscriptions, and any existing insurance or provident arrangements. We provide a checklist tuned to freelancers, not corporate subsidiaries.
Step 3 — Discovery session
A focused conversation — usually 60–90 minutes, format confirmed in advance — maps cash inflows, obligations, and planning horizons. Session fees and cancellation terms are stated before you pay.
Step 4 — Draft management plan
You receive a written plan with reserve targets, tax-set-aside rhythm, and review triggers tied to your revenue cycle. Assumptions are labeled so you can adjust when a client churns or you add a new service line.
Step 5 — Review cadence
Optional follow-up sessions when rules change or your income mix shifts. We do not auto-enroll you; you choose timing.