Free Guides

Guides & Publications

14 in-depth PDF guides covering all five protection gaps. Written for Detroit's independent workers. Free to download, always.

Health Insurance

Navigate the ACA marketplace as a self-employed Michigan resident. Plans, subsidies, and enrollment windows explained.

Understanding the real tradeoffs between high-deductible plans with HSAs and traditional PPO coverage.

Taxes

Federal SE tax, Michigan income tax, and Detroit city income tax — all in one guide for Detroit freelancers.

When the S-Corp election makes sense — and when the added complexity isn't worth it for self-employed workers.

How estimated quarterly taxes work, when they're due, and how to calculate what you owe.

Retirement

The two most powerful retirement vehicles for self-employed workers — compared for 2026.

Why freelancers wait too long and what it costs them. A straightforward guide to getting started.

Liability & Legal

Who needs it, what it covers, and what it costs. The honest breakdown for independent workers.

The essential clauses every freelance contract needs. What to require, what to watch for, and what to never agree to.

Late payment is the most common freelancer problem. This guide covers contracts, follow-up, and escalation.

Income Stability

Standard advice says 3-6 months. For freelancers, FHR recommends 6-12. Here's how to build it.

Most freelancers undercharge. This guide walks through the math of setting a rate that actually covers your costs.

Health insurance, SE taxes, retirement, liability — what self-employment actually costs Detroit freelancers each year.