Tax Clarity & Financial Structure for Self-Employed Professionals
Holistic Financial provides financial coaching and tax strategy support for business owners and individuals with complex financial situations.
Services
Financial Structure Setup
Systems for organizing business and personal cash flowTax Return Review
Detailed review of prior returns to identify issues and opportunitiesEstimated Tax Guidance
Calculation tool to manage quarterly tax paymentsTax Planning
Strategic guidance to improve tax outcomes and support better financial decisions
When you run your own business, finances can easily become unclear
Taxes, business cash flow, and personal spending often get mixed together, making it hard to see the full picture.
You might wonder:
• How much should I be paying in estimated taxes each quarter?
• How much can I safely spend or reinvest in my business?
• Am I taking full advantage of the tax benefits available to me?
• How should I structure my accounts and cash flow?
• How should money move between my business and personal accounts?
Without a practical financial structure, it’s difficult to feel truly in control of your finances or make confident business decisions.
Starter Session
For new side businesses and early-stage self-employed professionals who want to get set up correctly from the beginning.
This 60-minute session helps you understand the foundational pieces of running a small business from a tax and financial perspective, so you can avoid common mistakes and move forward with more clarity.
Entity structure considerations (e.g., LLC, sole proprietorship) and EIN setup
Business expense framework — what is generally deductible and how to think about it
Core tax responsibilities (income tax, self-employment tax, estimated payments, potential sales tax)
Financial setup — separating business and personal activity (banking, payment flows)
Recordkeeping essentials — what to track and how to stay organized from the start
What we may cover:
Starter session investment: $190
Tax Strategy Session
This 90-minute session focuses on tax strategy and planning, and provides a detailed recommendation memo and a customized calculation tool to support your ongoing tax decisions.
What you’ll receive from this session:
• A detailed, audit-level review of your recent tax return(s), identifying potential errors, missed opportunities, and areas for improvement
• A personalized tax strategy memo with clear, tailored recommendations and next steps
• A customized calculation tool to estimate your quarterly tax obligations and support more structured cash flow planning
This session is especially helpful for:
• Self-employed professionals who are just getting started and want clear guidance on taxes
• Rental property owners seeking clarity on the tax implications of their investments
• Small business owners exploring tax strategies such as an S-corporation election or tax-advantaged retirement plans
Tax strategy session investment: $490
If you later join the 3-month Financial Structure Program, this session’s cost will be credited toward the program investment.
The Self-Employed Financial Structure Program
A focused program for self-employed professionals who want a clear and practical structure for their finances.
The program includes 8 virtual sessions over 3 months. Together we clarify your tax obligations, organize your cash flow, and build a financial structure that supports both your business and personal finances.
By the end of the program, you will have:
• Clear understanding of your tax obligations and deductions
and the optimal tax strategy for your business
• Practical approach to handling estimated taxes
and avoiding excessive overpayments or underpayment penalties
• Structured system for managing cash flow
between your business and personal finances
• Greater clarity around your income, expenses, and overall financial picture
— even when your business income fluctuates
• Confidence in how much you can safely spend, save, or reinvest in your business
Financial structure program investment: $1,900
Meet Sue Yuan
I help people bring clarity and structure to their finances and implement systems for managing taxes and cash flow with greater confidence and control.
Earlier in my career, I worked as an actuarial analyst. I now focus on financial coaching and tax strategy, where I can work directly with people.
I have passed all the exams for the Enrolled Agent (EA), the IRS’s licensed tax practitioner designation (enrollment pending).
I studied statistics and philosophy at Mount Holyoke College, which shaped the way I approach problems— facing reality directly while seeking practical ways to improve.
My work combines analytical thinking with real-world execution, helping clients turn financial insight into lasting change. I am based in Sparta, New Jersey, and serve clients remotely.
Book a Consultation
If you’re self-employed and looking for more clarity around your taxes, cash flow, and overall financial picture, we can start with a free 15-minute consultation.
This conversation allows us to briefly discuss your situation and see whether the program would be a good fit.