SW Financial Planner

Discreet, flat-fee financial planning specifically for sex workers. DM or email [email protected] for inquiries

[SW Financial Planner @SWwealth_]

I’m a Financial Planner who’s spent the last 10+ years helping people with:

• retirement planning
• taxes
• investing
• business finances
• estate planning

Recently I’ve begun offering discreet, flat-fee financial planning specifically for sex workers.

Why?

Because everyone deserves competent financial advice without judgment.

Many SWers face unique financial questions that traditional advisors either don’t understand or won’t touch.

Things like:

• irregular income
• taxes
• LLCs & S Corps
• bookkeeping
• retirement accounts
• investing
• buying a home
• cash management
• banking concerns
• privacy
• estate planning
• insurance
• planning for career transitions

Everything is confidential.

No product sales.
No AUM requirement.
No judgment.

Just objective advice from a fiduciary.

Ways we can work together:

• Hourly consultations
• One-time financial plans
• Monthly retainers
• Quarterly check-ins
• Annual reviews

My goal is simple:

Help people keep more of what they earn, build long-term wealth, and create financial independence.

DMs are open.

[SW Financial Planner @SWwealth_]

@KenOLykos Cried like a baby when this happened

[SW Financial Planner @SWwealth_]

@SophieMargiela Well said!

[SW Financial Planner @SWwealth_]

@SerenaWellsCHI I need to retract this 😬😂😂

[SW Financial Planner @SWwealth_]

@SerenaWellsCHI

[SW Financial Planner @SWwealth_]

@AmeliaAmor001 LOL. Adding you to our professional network as we speak

[SW Financial Planner @SWwealth_]

Day job prospect meeting today. Liquid net worth over $55M. Asked what his goals for retirement are. Philanthropic, new passion business etc. He’s 60 years old. “ I just want to stay home with my dog”.

To each their own

[SW Financial Planner @SWwealth_]

@realsashastone This is Gen A. Gen Z is almost 30 and buying houses now people forget

[SW Financial Planner @SWwealth_]

@AubreyNicolexx @Katalinamaris This seems to be the trend I’ve seen!

[SW Financial Planner @SWwealth_]

Curious if people would be interested in a weekly or monthly market/imvesting newsletter from me? Lots of charts to explain investing thesis and what is going on in markets. Maybe protect some of you from taking too much or too little risk during good and bad times!

[SW Financial Planner @SWwealth_]

@fayzyreads And it only gets better!

[SW Financial Planner @SWwealth_]

@daphyyyb Are you a spy too??

[SW Financial Planner @SWwealth_]

@theNatalieByrne

[SW Financial Planner @SWwealth_]

Pricing discussion: for those curious what it costs to hire a financial advisor I’ll break down the most common ways we charge and typical price ranges you can expect.

Most Popular: Assets Under Management or AUM. Typically a tiered structure averaging around 1% of assets. So if you have $1M of assets to manage it will typically be around $10k/year. If you have $250k annual fee would be $2,500. Firms vary widely in what their minimums are. Usually depends how long they’ve been around.
Good ones will do planning, investment management, estate planning etc.

Gaining popularity: Fee Only. This is more popular with solo advisors. Typically a flat fee non dependent on asset size. Prices range widely from $2k/year to $20k/year. Really depends on financial complexity. Some people price this based off 1% of income for a higher earner who hasn’t had time to accumulate assets yet.

Totally dead: commission only. Simply product sales. Really not around much anymore.

For myself right now I am doing the Fee Only model with clients here. Prices range from $250/quarter to $2k/quarter. No one I work with is at $250/quarter right now or at $2k/quarter. $500 seems to be the happy spot right now. That might change as I get more busy and if someone’s situation is more complex.

[SW Financial Planner @SWwealth_]

@meganwintersx That’s what I call it if I “forget” to ring up my 1 year old daughters loose bagel she’s snacking on at the grocery store 😂

[SW Financial Planner @SWwealth_]

@AmeliaAmor001 Careful you are going to have new grads working for $50/hour asking their girlfriends if they are spies 😂

[SW Financial Planner @SWwealth_]

@Taxsavvyjessica Did he mean depreciation recapture? But clean books make sense, but then…what? Why would you pay the other LLC…to sell your company for more $? Because of what??

[SW Financial Planner @SWwealth_]

@SkyeUp_ @itskinkerbell Staggering numbers.

[SW Financial Planner @SWwealth_]

@AvainRVA @jennsteelexxx That’s actually a really clever idea. Yes Proton wallets can accept bitcoin so could in theory use it for everything! Will be nice if they expand it to other crypto currencies too but for now just BTC it seems.

[SW Financial Planner @SWwealth_]

@loremachina I swear suspensions on here are just a random roulette wheel

[SW Financial Planner @SWwealth_]

@ChrisAlvino Well said!