Freelancing After 50 Paul Chaney

My guest on this episode is Robert Persichitte, a CPA and certified financial planner with Delagify Financial in Arvada, Colorado. 

Robert has guided business leaders and individuals with financial and investment decisions for over ten years. In this episode, we're talking taxes: deductions freelancers should take, ways to pay, and more. His expert guidance and insights are well worth a 20-minute investment of your time to save money. 

You can connect with Robert on LinkedIn or contact him via his website, Delagify Financial. 

Legal Disclaimer:
Delagify Financial is a Registered Investment Advisor (RIA) registered with the State of Colorado. The information contained in this presentation is for educational purposes only and is not intended to offer recommendations or tax advice. Tax advice will only be given after a client engages our services and shall be subject to the terms and conditions therein. The information is of a general nature and should not be construed as advice.


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Carol J. Alexander, a freelance content marketing writer, is my guest on this episode of Freelancing After 50. Carol shares her story and talks about working part-time at first, the need to define a marketable niche, and the importance of self-care. 

Carol offered this advice regarding finding your niche: 


Make a list of all of your writing experience, everything that you've ever written before, whether it's an article, newsletter, or poem. 
List your professional experience—every job you've ever held. 
List your life experience: hobbies, things you do regularly, organizations you belong to, etc.  
Finally, as a category for anything else you can think of—if you've won awards, been written up in the paper, things like that. 
Once you get your list done, take two pens, a red pen and a blue pen. Go through your list and circle everything that was your favorite—something that you enjoy doing in red. Take your blue pen and circle the things you spend the most time doing.  
Look at what's circled in both blue and red, and that's where you start. 

You can connect with Carol via her website at CarolJAlexander.com or on LinkedIn. 

My next guest is Robert Persichitte, CPA. We're going to talk about a subject that strikes fear in every freelancer's heart: taxes. I can assure you that Robert's insights and wisdom will allay your fears. 

In the meantime, subscribe to this podcast—it's available on Spotify, Apple, Google, Amazon, and other outlets. Also, subscribe to the newsletter by the same name. You can do both by visiting the website, Freelancing After 50. 

~ Paul Chaney


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This episode is a particularly important one because it addresses a topic most freelancers deal with routinely — managing uneven cash flow. My guest, Urban Adams, provides information about that topic and the need to set aside funds for lifestyle planning, paying taxes, and investing for retirement. 

Some of his primary talking points include: 


Separate business and personal expenses to better manage cash flow.
Give yourself a salary just as if you are a W2 employee.
Set aside tax funds in a separate account and pay quarterly to avoid penalties and interest.
Create a reserve for unexpected expenses and lifestyle planning. 
Set up a SEP-IRA to invest for retirement.

Connect with Urban via his website and LinkedIn. 

Disclaimer (the legal stuff): Urban Adams is an Investment Advisor Representative with Dynamic Wealth Advisors. All investment advisory services are offered through Dynamic Wealth Advisors. Urban Adams also offers insurance brokering services; this is considered an outside business activity from Dynamic Wealth Advisors and is separate and apart from Mr. Adams’s activities as an investment advisor representative of Dynamic Wealth Advisors.

Note: Freelancing After 50 is not only a bi-weekly podcast but also a newsletter. Click here to see the latest issues and subscribe. 


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This episode is especially helpful because my guests, Samantha Anderl and Andrea Wildt, co-founders of the freelance business management platform Harlow, expertly address a topic that affects every freelancer at one time or another — how much to charge clients and what method to use: hourly rates, project-based pricing, retainer, etc. 

They advise freelancers to:


Get engaged with what others in your field charge to set a baseline;
Figure out your goals, whether that's earning a six-figure income, having greater flexibility and freedom, or something else;
Determine whether you can meet their goals based on the market's willingness to pay. 

The pair also shares their respective freelancing journeys and what led them to start Harlow. It's 25 minutes of great conversation filled with valuable information that will help achieve more success in your freelance career. 

Connect with Samantha and Andrea on LinkedIn. 

If you like the podcast, please subscribe and share it with other over-50 freelancers. Also, check out the Freelancing After 50 newsletter. We publish it every two weeks. It's chock full of information to help older freelancers. 


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Our guest on this episode of Freelancing After 50 is none other than Marcus Sheridan, internationally-known marketing expert and author of the best-seller "They Ask, You Answer." 

Marcus shares his story of how the They Ask, You Answer concept came about and applies its principles to freelancers 50 and older. 

Key takeaways: 

Marcus says you have to be willing to do three things that other companies are not willing to do. 


Talk about what others aren't willing to talk about. 
Show (specifically through video) what others aren't willing to show. 
Sell in a way others aren't willing to sell. 

The Big Five

He also listed the "big five" things you must talk about: 


Price - How much does it cost? 
Problems - What could go wrong? 
Comparisons - We compare constantly to do our due diligence. 
Reviews - Get customer reviews that talk about the good, bad, and ugly. Don't be biased. 
Best - The top, the best, etc. 

Marcus is very open to being contacted. You can reach out to him via his website or email. Also, connect with him on LinkedIn, Twitter, and YouTube. 


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In this episode, I interview Ed Britton, a career and lifestyle coach who calls himself the "not retirement rebel." We talk about the retirement fallacies, why 65 is not the golden age for retirement, and what options people 50 and older have. 

Ed lists three "passion pursuits" of not retirement people: Adventure, Achievement, and Contribution. He also discusses four stages of retirement: 


Planners - those not yet retired but who are planning to
Seekers - newly retired who don't know what to do with themselves
Over-ready - people who have been retired for a while and know retirement isn't all it's cracked up to be
Cut loose - individuals who were forced to retire due to layoffs or other mitigating factors

Lastly, he shares four "ambitions" of people with a not retirement mindset: Contribute (to family and community), Cause, Personal Development, and Income Generation. 

We focus on the income generation ambition and talk about it can be interwoven with the others. 

You can connect with Ed via LinkedIn and his website, notretirement.ca. 


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