Common Sense Wealth Management
1099 Professionals Services
Specialized retirement and asset protection solutions designed exclusively for firefighters, police officers, EMTs, and other 1099 Professionals
Exclusively for 1099 Professionals
Gain financial freedom as a first responder by mastering strong money management tools tailored to your unique challenges and securing your future with confidence.
Top Features & Benefits
Asset protection through LLC formation
Asset protection through LLC formation
Enhanced retirement planning with Solo 401k
Tax advantages specific to 1099 Professionals
Vehicle purchase tax benefits
High contribution limits up to $73,500 (2025)
Special discounts for firefighters, police, and EMTs
Benefits of Solo 401k for 1099 Professionals
Choose between traditional pre-tax or Roth contributions to complement your pension. Perfect for 1099 Professionals looking to maximize their retirement benefits beyond standard department plans.
Choose between traditional pre-tax or Roth contributions to complement your pension. Perfect for 1099 Professionals looking to maximize their retirement benefits beyond standard department plans.
Choose between traditional pre-tax or Roth contributions to complement your pension. Perfect for 1099 Professionals looking to maximize their retirement benefits beyond standard department plans.
Perfect for your off-duty or consulting income. In 2025, eligible 1099 Professionals can contribute up to $73,500, significantly boosting their retirement savings beyond pension benefits.
Perfect for your off-duty or consulting income. In 2025, eligible 1099 Professionals can contribute up to $73,500, significantly boosting their retirement savings beyond pension benefits.
Perfect for your off-duty or consulting income. In 2025, eligible 1099 Professionals can contribute up to $73,500, significantly boosting their retirement savings beyond pension benefits.
Take control of your investments beyond standard pension options. Explore real estate, precious metals, and other alternative investments that align with your long-term security goals.
Take control of your investments beyond standard pension options. Explore real estate, precious metals, and other alternative investments that align with your long-term security goals.
Take control of your investments beyond standard pension options. Explore real estate, precious metals, and other alternative investments that align with your long-term security goals.
If your spouse helps with your side business or consulting work, they can participate in the plan, creating an additional layer of financial security for your family.
If your spouse helps with your side business or consulting work, they can participate in the plan, creating an additional layer of financial security for your family.
If your spouse helps with your side business or consulting work, they can participate in the plan, creating an additional layer of financial security for your family.
Access loans up to $50,000 when needed. Perfect for unexpected expenses or opportunities, with the flexibility 1099 Professionals need while keeping your retirement funds working for you.
Access loans up to $50,000 when needed. Perfect for unexpected expenses or opportunities, with the flexibility 1099 Professionals need while keeping your retirement funds working for you.
Access loans up to $50,000 when needed. Perfect for unexpected expenses or opportunities, with the flexibility 1099 Professionals need while keeping your retirement funds working for you.
Deduct contributions from your side business income, reducing your tax burden while building a secure future. Especially valuable for 1099 Professionals with additional income streams.
Deduct contributions from your side business income, reducing your tax burden while building a secure future. Especially valuable for 1099 Professionals with additional income streams.
Deduct contributions from your side business income, reducing your tax burden while building a secure future. Especially valuable for 1099 Professionals with additional income streams.
Enjoy "checkbook control" over your retirement funds. No need to wait for third-party approvals, giving you the quick response time 1099 Professionals are accustomed to.
Enjoy "checkbook control" over your retirement funds. No need to wait for third-party approvals, giving you the quick response time 1099 Professionals are accustomed to.
Enjoy "checkbook control" over your retirement funds. No need to wait for third-party approvals, giving you the quick response time 1099 Professionals are accustomed to.
Seamlessly roll over existing retirement accounts. Perfect for consolidating various retirement funds from previous departments or private sector employment.
Seamlessly roll over existing retirement accounts. Perfect for consolidating various retirement funds from previous departments or private sector employment.
Seamlessly roll over existing retirement accounts. Perfect for consolidating various retirement funds from previous departments or private sector employment.
Ideal for 1099 Professionals with independent consulting, training, or other off-duty business activities. No full-time employees needed to qualify.
Ideal for 1099 Professionals with independent consulting, training, or other off-duty business activities. No full-time employees needed to qualify.
Ideal for 1099 Professionals with independent consulting, training, or other off-duty business activities. No full-time employees needed to qualify.
Build substantial retirement savings alongside your pension. Perfect for 1099 Professionals wanting to maximize their long-term financial security through diversified investments.
Build substantial retirement savings alongside your pension. Perfect for 1099 Professionals wanting to maximize their long-term financial security through diversified investments.
Build substantial retirement savings alongside your pension. Perfect for 1099 Professionals wanting to maximize their long-term financial security through diversified investments.
Enjoy strong legal protections for your retirement savings, crucial for 1099 Professionals who face unique liability concerns in their line of duty.
Enjoy strong legal protections for your retirement savings, crucial for 1099 Professionals who face unique liability concerns in their line of duty.
Enjoy strong legal protections for your retirement savings, crucial for 1099 Professionals who face unique liability concerns in their line of duty.
Make contributions until your tax filing deadline, giving 1099 Professionals the flexibility needed to manage contributions around shift work and varying income schedules
Make contributions until your tax filing deadline, giving 1099 Professionals the flexibility needed to manage contributions around shift work and varying income schedules
Make contributions until your tax filing deadline, giving 1099 Professionals the flexibility needed to manage contributions around shift work and varying income schedules
Benefits of Forming an LLC
Why Police Officers with Side Businesses Should Consider an LLC Structure
An LLC separates your personal assets from your business liabilities. If any legal issues arise from your side gig, your personal property like your home or savings is protected.
An LLC separates your personal assets from your business liabilities. If any legal issues arise from your side gig, your personal property like your home or savings is protected.
An LLC separates your personal assets from your business liabilities. If any legal issues arise from your side gig, your personal property like your home or savings is protected.
LLCs offer flexibility in how they are taxed. You can choose to be taxed as a sole proprietor, partnership, or corporation, which may help reduce your overall tax burden and redirect those savings toward retirement investments.
LLCs offer flexibility in how they are taxed. You can choose to be taxed as a sole proprietor, partnership, or corporation, which may help reduce your overall tax burden and redirect those savings toward retirement investments.
LLCs offer flexibility in how they are taxed. You can choose to be taxed as a sole proprietor, partnership, or corporation, which may help reduce your overall tax burden and redirect those savings toward retirement investments.
Operating under an LLC gives your side gig a more professional image, which can attract more clients and opportunities, enhancing your business reputation and earning potential.
Operating under an LLC gives your side gig a more professional image, which can attract more clients and opportunities, enhancing your business reputation and earning potential.
Operating under an LLC gives your side gig a more professional image, which can attract more clients and opportunities, enhancing your business reputation and earning potential.
LLCs are relatively easy to set up and maintain compared to other business structures, making them ideal for part-time entrepreneurs like police officers with side businesses.
LLCs are relatively easy to set up and maintain compared to other business structures, making them ideal for part-time entrepreneurs like police officers with side businesses.
LLCs are relatively easy to set up and maintain compared to other business structures, making them ideal for part-time entrepreneurs like police officers with side businesses.
With an LLC, you can open a business bank account, which helps keep your finances organized and separate from personal accounts, simplifying tax preparation and facilitating structured saving.
With an LLC, you can open a business bank account, which helps keep your finances organized and separate from personal accounts, simplifying tax preparation and facilitating structured saving.
With an LLC, you can open a business bank account, which helps keep your finances organized and separate from personal accounts, simplifying tax preparation and facilitating structured saving.
If you collaborate with others in your side gig, an LLC ensures that liability is shared and limited to the business, not individuals, protecting all partners involved.
If you collaborate with others in your side gig, an LLC ensures that liability is shared and limited to the business, not individuals, protecting all partners involved.
If you collaborate with others in your side gig, an LLC ensures that liability is shared and limited to the business, not individuals, protecting all partners involved.
An LLC structure allows you to scale your side gig into a larger business if desired, without needing to restructure later, providing a foundation for future expansion and increased retirement savings.
An LLC structure allows you to scale your side gig into a larger business if desired, without needing to restructure later, providing a foundation for future expansion and increased retirement savings.
An LLC structure allows you to scale your side gig into a larger business if desired, without needing to restructure later, providing a foundation for future expansion and increased retirement savings.
Building Your Financial Future
Maximize Side Gig Income for Investment & Retirement Success
Strategic Wealth Building
Tax-Optimized Savings
Using your LLC structure, you can establish SEP IRAs or Solo 401(k)s that allow for significantly higher contribution limits than standard retirement accounts—up to $69,000 annually (2024 limits).
Tax-Optimized Savings
Using your LLC structure, you can establish SEP IRAs or Solo 401(k)s that allow for significantly higher contribution limits than standard retirement accounts—up to $69,000 annually (2024 limits).
Diversified Investment Portfolio
Channel LLC profits into diverse investment vehicles—stocks, bonds, real estate, or alternative investments—creating multiple income streams beyond your pension for a secure retirement.
Diversified Investment Portfolio
Channel LLC profits into diverse investment vehicles—stocks, bonds, real estate, or alternative investments—creating multiple income streams beyond your pension for a secure retirement.
Asset Protection Strategy
Protect your investment growth within specialized retirement accounts that offer additional legal protections beyond your LLC structure, safeguarding your financial future.
Asset Protection Strategy
Protect your investment growth within specialized retirement accounts that offer additional legal protections beyond your LLC structure, safeguarding your financial future.
The Retirement Accelerator
1
Income Amplification
Police officers who channel side gig income through an LLC and invest consistently can potentially reduce their retirement timeline by 5-10 years compared to pension-only strategies.
1
Income Amplification
Police officers who channel side gig income through an LLC and invest consistently can potentially reduce their retirement timeline by 5-10 years compared to pension-only strategies.
2
Compound Growth Advantage
Starting early with side gig investment can yield significant results—$10,000 annually invested over 20 years with an 8% return can grow to over $500,000.
2
Compound Growth Advantage
Starting early with side gig investment can yield significant results—$10,000 annually invested over 20 years with an 8% return can grow to over $500,000.
3
Tax-Efficient Wealth Transfer
Properly structured LLCs can facilitate efficient wealth transfer to heirs, extending the financial benefits of your side gig well into the future.
3
Tax-Efficient Wealth Transfer
Properly structured LLCs can facilitate efficient wealth transfer to heirs, extending the financial benefits of your side gig well into the future.
"The combination of an LLC structure and strategic investment of side gig income can provide police officers with retirement options far beyond what a pension alone could offer."
Vehicle Purchase Benefits for 1099 Professionals
As a first responder, purchasing vehicles through your LLC can provide significant tax advantages and liability protection, especially for vehicles used in side businesses, training, or consulting work.
1099 Professionals can purchase specialized equipment, tactical gear, and vehicles through their LLC, potentially allowing for accelerated depreciation and immediate write-offs under Section 179 deductions up to $1,160,000 (2023). This is particularly valuable for emergency response vehicles, specialized trucks, or equipment transport vehicles.
Training and instruction vehicles for tactical driving courses
Emergency response vehicles for private security or consulting work
Equipment transport for training events or demonstrations
Mobile command centers for event security operations
Specialized vehicles for safety consulting or disaster preparedness
Detailed mileage log separating personal and business use
Business purpose documentation for each trip
Vehicle expense receipts (maintenance, fuel, insurance)
Purchase documentation showing LLC as vehicle owner
Detailed mileage log separating personal and business use
Business purpose documentation for each trip
Vehicle expense receipts (maintenance, fuel, insurance)
Purchase documentation showing LLC as vehicle owner
Standard mileage rate: $0.67 per business mile (2024)
Actual expenses method: all operating costs + depreciation
Section 179 deduction for immediate write-offs
Bonus depreciation options for qualifying vehicles
Standard mileage rate: $0.67 per business mile (2024)
Actual expenses method: all operating costs + depreciation
Section 179 deduction for immediate write-offs
Bonus depreciation options for qualifying vehicles
Personal asset protection from vehicle-related incidents
Commercial auto insurance coverage for business use
Separation between personal and business liabilities
Additional lawsuit protection when properly structured
Personal asset protection from vehicle-related incidents
Commercial auto insurance coverage for business use
Separation between personal and business liabilities
Additional lawsuit protection when properly structured
1099 Professionals Vehicle Purchase Strategy
We'll help you develop a comprehensive strategy for vehicle purchases that maximizes tax benefits while maintaining compliance with IRS regulations. Our approach includes:
1099 Professionals Vehicle Purchase Strategy
We'll help you develop a comprehensive strategy for vehicle purchases that maximizes tax benefits while maintaining compliance with IRS regulations. Our approach includes:
1099 Professionals Vehicle Purchase Strategy
We'll help you develop a comprehensive strategy for vehicle purchases that maximizes tax benefits while maintaining compliance with IRS regulations. Our approach includes:
Purchase Analysis
We'll analyze whether leasing or purchasing is more advantageous for your specific situation, factoring in your service type, expected usage patterns, and financial goals.
Document Preparation
Set up proper record-keeping systems to track business vs. personal use, maintenance records, and all vehicle-related expenses for maximum tax benefits.
Insurance Optimization
Guidance on proper insurance coverage for vehicles owned by your LLC, including commercial auto policies tailored to first responder business activities.
Tax Planning
Strategic timing of vehicle purchases to optimize tax deductions across tax years and maximize available incentives and depreciation benefits.
Wall Street Assets
Access traditional stocks, bonds, ETFs, mutual funds, and other publicly traded securities.
Purchase Analysis
We'll analyze whether leasing or purchasing is more advantageous for your specific situation, factoring in your service type, expected usage patterns, and financial goals.
Document Preparation
Set up proper record-keeping systems to track business vs. personal use, maintenance records, and all vehicle-related expenses for maximum tax benefits.
Insurance Optimization
Guidance on proper insurance coverage for vehicles owned by your LLC, including commercial auto policies tailored to first responder business activities.
Tax Planning
Strategic timing of vehicle purchases to optimize tax deductions across tax years and maximize available incentives and depreciation benefits.
Purchase Analysis
We'll analyze whether leasing or purchasing is more advantageous for your specific situation, factoring in your service type, expected usage patterns, and financial goals.
Document Preparation
Set up proper record-keeping systems to track business vs. personal use, maintenance records, and all vehicle-related expenses for maximum tax benefits.
Insurance Optimization
Guidance on proper insurance coverage for vehicles owned by your LLC, including commercial auto policies tailored to first responder business activities.
Tax Planning
Strategic timing of vehicle purchases to optimize tax deductions across tax years and maximize available incentives and depreciation benefits.
1099 Professionals Service Pricing
LLC Formation
Asset Protection for 1099 Professionals
Professional liability protection
Side business structuring
Complete formation service
10% Discount at Checkout
LLC Formation
Asset Protection for 1099 Professionals
Professional liability protection
Side business structuring
Complete formation service
10% Discount at Checkout
LLC Formation
Asset Protection for 1099 Professionals
Professional liability protection
Side business structuring
Complete formation service
10% Discount at Checkout
Solo 401k
Retirement Planning for 1099 Professionals
10% Discount at Checkout
Pension complement strategy
High contribution limits
Tax-advantaged savings
Solo 401k
Retirement Planning for 1099 Professionals
10% Discount at Checkout
Pension complement strategy
High contribution limits
Tax-advantaged savings
Solo 401k
Retirement Planning for 1099 Professionals
10% Discount at Checkout
Pension complement strategy
High contribution limits
Tax-advantaged savings
Why 1099 Professionals Choose Survival 401k
1099 Professionals trust Survival 401k because we understand the unique financial circumstances of public service careers. Our team includes specialists with experience in serving the 1099 Professionals community, and we're committed to helping those who serve our communities secure their financial futures.
Specialized knowledge of 1099 Professionals benefits and compensation structures
Understanding of pension systems and how to complement them
Experience with shift work and side business optimization
Dedicated support team for ongoing assistance
Why 1099 Professionals Choose Survival 401k
1099 Professionals trust Survival 401k because we understand the unique financial circumstances of public service careers. Our team includes specialists with experience in serving the 1099 Professionals community, and we're committed to helping those who serve our communities secure their financial futures.
Specialized knowledge of 1099 Professionals benefits and compensation structures
Understanding of pension systems and how to complement them
Experience with shift work and side business optimization
Dedicated support team for ongoing assistance
Why 1099 Professionals Choose Survival 401k
1099 Professionals trust Survival 401k because we understand the unique financial circumstances of public service careers. Our team includes specialists with experience in serving the 1099 Professionals community, and we're committed to helping those who serve our communities secure their financial futures.
Specialized knowledge of 1099 Professionals benefits and compensation structures
Understanding of pension systems and how to complement them
Experience with shift work and side business optimization
Dedicated support team for ongoing assistance