Guides & Publications
13 in-depth guides covering all five protection gaps. Written for Detroit’s independent workers. Free to read online or download as PDF.
Michigan Marketplace Survival Guide
Navigate the ACA Marketplace as a self-employed Michigan resident. Plans, subsidies, and enrollment windows explained.
Read guide →HSA vs PPO: What Freelancers Need
Understanding the real tradeoffs between high-deductible HSA plans and traditional PPO coverage.
Read guide →Detroit 1099 Tax Breakdown
Federal SE tax, Michigan income tax, and Detroit city tax for Detroit freelancers.
Read guide →Quarterly Taxes: First-Timer Guide
How quarterly estimated payments work and how to calculate what you owe.
Read guide →LLC vs S-Corp: Know the Difference
When the S-Corp election reduces taxes and when the added complexity is not worth it.
Read guide →Do Freelancers Really Need Liability Insurance?
Who needs it, what it covers, and what it costs for Detroit independent workers.
Read guide →Freelance Contract Starter Guide
Essential clauses every Michigan freelance contract needs.
Read guide →Getting Paid on Time
Late payment prevention and escalation options when clients do not pay.
Read guide →Building an Emergency Fund on Irregular Income
Why Detroit freelancers need 6-12 months and a system for building it.
Read guide →How to Set Your Freelance Rate
Calculate the rate that actually covers taxes, insurance, retirement, and your target income.
Read guide →The Real Cost of Freelancing in Detroit
What self-employment actually costs Detroit freelancers each year across all five gaps.
Read guide →Know your protection gaps.
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