June 3 | How to Win With Irregular Income

Business owners, real estate agents, and self-employed professionals often have strong annual income, but that income rarely arrives evenly.

Big months can create false confidence. Slow months can create stress. Taxes can feel reactive. And saving or investing often happens only after everything else has already been paid.

This lunch presentation is designed for self-employed professionals who want a better way to manage irregular income without constant financial pressure.

Brent Schafer, CFP®, TPCP®, Financial Advisor at HFG Trust, and Hayden Behen, CPA, will walk through a practical framework for organizing cash flow, planning for taxes, paying yourself consistently, and building long-term wealth with more intention.

The conversation will cover common mistakes business owners make with irregular income, how to separate money for taxes and business expenses, why a consistent owner’s pay system matters, and how to build reserves during strong months so slow months do not create unnecessary stress.

This is not a generic budgeting class or a product presentation. It is a practical discussion about creating structure around income that does not arrive on a predictable schedule.

Attendees will leave with a clearer way to think about income, taxes, spending, reserves, and long-term planning.

Lunch will be provided.

Presented by:
Brent Schafer, CFP®, TPCP®
Financial Advisor, HFG Trust

Hayden Behen, CPA