Real estate agents earn well — often very well — but the financial life of a commission-based professional comes with challenges that most planners don't understand. Irregular income, self-employment taxes, no employer-sponsored benefits, and the constant pressure to reinvest in your business make it easy to earn a lot and still feel financially uncertain.
At Intentional Living Financial Planning, we work with real estate agents who are building serious careers and want a financial plan that accounts for the realities of commission income. Whether you're a solo agent, part of a team, or running your own brokerage, we help you turn inconsistent cash flow into consistent wealth.
You spend your days helping other people make smart real estate decisions. We help you make smart financial decisions — about your taxes, your investments, your retirement, and the real estate you own yourself.
What We Help Real Estate Agents With
Irregular income planning. Commission income is inherently unpredictable. A great quarter can be followed by a slow one, and most agents don't have a system for smoothing out the peaks and valleys. We help you build a cash flow framework that separates business expenses, taxes, and personal spending — so a strong month actually builds wealth instead of just funding the next slow stretch.
1099 vs. S-Corp entity election. Most real estate agents start as sole proprietors filing on a 1099, but at a certain income level, electing S-Corp status can save thousands in self-employment taxes every year. We help you evaluate when the switch makes sense, how to set it up properly, and how to coordinate it with your overall tax strategy.
Self-employment tax planning. Without an employer covering half your payroll taxes, the self-employment tax burden is significant. We help you minimize it through entity structure, retirement account contributions, and proactive estimated payment planning — coordinated with your CPA to make sure nothing falls through the cracks.
Retirement account strategy. As a self-employed professional, you have access to retirement accounts that most W-2 employees don't — SEP IRAs, Solo 401(k)s, and defined benefit plans that can shelter significant income from taxes. We help you choose the right accounts, maximize contributions, and integrate your retirement savings with your investment and tax strategy.
Investing in your own real estate. You understand real estate better than most investors, and the temptation to invest in what you know is strong. We help you evaluate rental properties, flips, and land investments objectively — making sure your personal real estate portfolio is diversified, well-financed, and aligned with your broader financial plan rather than over-concentrated in one asset class.
Real estate tax planning. From 1031 exchanges and depreciation to capital gains strategy and cost segregation, the tax rules around real estate investment are complex and powerful. We help you take full advantage of the tax code while staying coordinated with your broader income and investment strategy.
Financial planning for busy professionals. Real estate agents work long, unpredictable hours. Evenings, weekends, and holidays are often your busiest times. We build a financial plan that runs in the background — automated savings, systematic investments, proactive tax payments — so your finances stay on track even when your schedule doesn't slow down.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, retirement account optimization, real estate investment consulting, cash flow planning, S-Corp strategy, insurance review, estate planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.