A single medical surprise can wipe out years of hard work, especially when you’re self-employed and your income depends on showing up. We sit down with Whitney Williams, financial professional at Cornerstone Advisors Group, to talk about what financial security really looks like for tow operators, owner operators, and 1099 contractors who don’t have employer benefits to fall back on.

We dig into the biggest myth Whitney hears all the time: retirement is only for people with high-paying corporate jobs. She breaks down why retirement planning is still possible for small business owners and independent contractors, as long as you build a strategy early and stick to it. We also talk health insurance options outside an employer, why “I’m healthy” is not a plan, and how one accident can trigger both hospital bills and lost income.

Whitney also shares what happens in a first conversation with a fiduciary, how she builds a full picture of your finances without judgment, and how to match your retirement goals to the lifestyle you actually want. You’ll walk away with clear next steps, including her three-part homework: organize your money, invest in yourself, and get connected with a licensed professional. Plus, we preview her upcoming Shifting into Security seminar geared toward 1099 contractors and transportation pros.

If this helped you, subscribe, share the episode with a coworker, and leave a review so more people in the towing and recovery industry can find it.