Master your money with clarity, confidence, and ease.
Whether you're scaling your business or just getting started, Freedom Sun gives you the tools and support to make smarter financial decisions, grow sustainably, and actually pay yourself.
We help entrepreneurs, creatives, and business owners simplify their business with smarter systems.
From creating smart financial systems to having better sales systems, we are here to support you in reaching your next goal and milestone.
Hi, I’m Simone, CR, CPA, and founder of Freedom Sun.
At Freedom Sun, we are on a mission to help you step into the most successful version of yourself possible and build a profitable business.
We combine expert business systems, mindset work, and scalable strategy to support your business success.
Time Tested & Proven Results
"A clearer roadmap to success"
Every conversation with Simone leaves you feeling inspired and equipped with a clearer roadmap to success. Her enthusiasm is contagious, fueling you with the energy and motivation to take action. Meeting her has been a game-changer for me; she embodies the perfect blend of beauty, intelligence, kindness, and professionalism. Simone is an exceptional work companion, always ready to motivate and enlighten you on your journey! 10/10 recommend!
- Sofia, Sofia 7 Oficios
"Highly recommend this"
Your knowledge and your insights on how to scale a business and simplify its processes helped me look at my services from a different perspective, allowing me to start applying my expertise into other fields where there are growing business opportunities. - Liliana
"Confident in Financial Decisions"
Simone helped me work through a critical decision for my small business, reflecting both on financial and life direction goals. She encouraged me to reflect on inner values, alignment, as well as legal and financial factors. Her wisdom and guidance is an asset to anyone taking a new direction in their small business!
- Kate, CEO Arco Preloved
Massive Change in My Businesses
Simone' helped me improve the systems in my business and get crystal clear on my business and financial plan. She asks insightful and gives you actionable tips that are tailored to our needs.
- Ally, BossaNova
Let’s Get Real—You Deserve to Retire Too
If you're running a business, chances are retirement feels more like a fantasy than a plan.
"Retire? With what time? With what money?"
You’re not alone. Most small business owners are so focused on growth, payroll, taxes, and simply keeping the lights on that retirement slips down the list. But here’s the truth:
You are your most valuable asset—and you deserve a retirement plan just as much as any corporate employee.
This guide will show you how to build a retirement strategy that feels doable, tax-smart, and tailored for business owners like you—whether you’re just starting out or looking to exit soon.
Forget what you’ve been told about retirement being a rocking chair and a golf cart. What does freedom look like for you?
Taking a year to travel?
Spending more time with family?
Pivoting into advisory or part-time passion projects?
This is your North Star. Once you’re clear on the lifestyle you want, we can reverse-engineer the financial strategy to get there.
There’s no one-size-fits-all. Here are the top retirement accounts that work well for business owners:
If you’re self-employed with no full-time employees (other than your spouse), the Solo 401(k) is a goldmine. Why?
You can contribute as both the employee and employer (up to $69,000 in 2024)
Choose between pre-tax and Roth contributions
Great for maximizing tax deductions
✅ Want to DIY? The Self-Employed 401(k from Fidelity and the Schwab Solo 401(k) are two of the most popular, low-cost options out there. Both offer access to solid investments and are relatively easy to manage once set up.
Contribute up to 25% of your compensation
Contributions are tax-deductible
Ideal if you want to keep things simple and don’t have full-time employees
Works for businesses with fewer than 100 employees
Employer is required to contribute (match or fixed %)
Great if you want to offer a retirement benefit to your team without 401(k)-level admin
Think of this as a personal pension plan
Contributions can exceed $100K per year depending on your age and income
Best for high-income earners who want to catch up fast before exiting the business
After-tax contributions
No taxes on withdrawals in retirement
Can be layered on top of other plans for long-term flexibility
You won’t build wealth if you’re saving “whatever’s left” at the end of the month.
Set a fixed % of your owner pay or net profit to transfer monthly
Use automations through your bank or brokerage account
Revisit quarterly and increase your contributions when you grow
Make Future You non-negotiable.
This is a hard one. Many business owners assume their exit or sale will fund their retirement. But that’s risky:
Businesses don’t always sell on your timeline
Market downturns can cut your valuation in half
Health issues or burnout may force an early exit
Instead, let’s treat your business as one part of your wealth—not the whole pie. You want liquid, diversified investments you can access no matter what happens.
If you have employees, offering retirement plans doesn’t just help them—it helps you:
Attract and retain better talent
Build team loyalty
Save on taxes with employer contributions
Start simple. A SIMPLE IRA or a Safe Harbor 401(k) are often great starting points. Platforms like Gusto or Guideline make plan setup and admin easier than ever.
Once you’ve got the basics down, here’s how to take it to the next level:
✅ Profit Sharing Plan
Add a flexible contribution plan tied to company performance
✅ Cash Balance Plan
Great for high-income earners wanting a defined benefit model + large contributions
✅ Tax Planning Layer
Use your retirement plan in tandem with an S Corp, HSA, or real estate investments to create multiple streams of tax-optimized income
Feature
Fidelity Self-Employed 401(k)
Schwab Solo 401(k)
Fees
No setup or admin fees
No setup or admin fees
Investment Options
Full range of mutual funds, ETFs, and stocks
Broad mix of index funds and low-cost ETFs
Application
Paper-based
Paper-based
Support
Strong online tools + live help
Excellent customer service + research tools
📌 Both are trusted options. Choose based on where you already invest or which interface you prefer.
You didn’t build your business to work forever. You built it for freedom, impact, and legacy.
Retirement isn’t the end. It’s the reward—and with a solid plan, it can be just as intentional and powerful as your business journey.
Start where you are. Set your vision. Automate your wealth. The future you deserve is built from the choices you make today.
💡 Want help mapping out your money management plan for your retirement? Grab our Free Business Owner Retirement Toolkit with plan comparisons, checklists, and worksheets to take the guesswork out of building wealth.
Let’s make sure you retire like the CEO you are.
Download Your Free Guide: