Operating cash
Keep near-term business obligations visible before treating revenue as personal income.
Planning for Québec’s self-employed
You built the income.
Now protect the plan.
When the business and household depend on you, protection, cash reserves, taxes and long-term savings need to work together.
“Plans are worthless, but planning is everything.”— Dwight D. Eisenhower
01
What feels least protected?
Choose the issue closest to yours. It will follow you to the consultation form.
02
Separate the money before directing it.
Tax reserves
Plan for income tax and applicable Québec contributions or instalments instead of reacting at filing time.
Personal stability
Define what the household needs when revenue is uneven or work temporarily stops.
Long-term wealth
Create a recurring path from business income toward personal savings and retirement goals.
03
Four parts of a stronger
self-employed foundation.
The right balance depends on your business structure, family, income pattern and existing coverage.
CASH FLOW
Emergency reserves
Consider separate buffers for household needs and business interruptions.
PROTECTION
Income and family needs
Review what happens to personal obligations and business continuity if illness, disability or death interrupts your work.
CONTRIBUTIONS
Québec program obligations
Self-employment income can create QPP and QPIP contribution responsibilities; instalments may also apply.
FUTURE
Retirement savings
Compare flexible and retirement-focused accounts in the context of variable income, taxes and access needs.
This is general education. Tax, legal, insurance and investment decisions should be reviewed with appropriately qualified professionals.
04
Build your self-employed discussion list.
Select the topics that matter. They will appear on the consultation form for your review.
Choose any item to build your discussion list.
Your first conversation is free
Make the plan as independent as you are.
Start with the risk that would disrupt your household or business most.