For Realtors

Commission income, made dependable.

Your income can swing with the market and the season. We help real estate professionals smooth that volatility, protect their business, and build wealth that doesn't depend on the next closing.

The pressures you know

Income arrives in unpredictable waves — feast one month, famine the next.
As a 1099 professional, you have no employer benefits or retirement plan.
A slow market or an injury could interrupt income with no safety net.
Everything is reinvested in the next deal; little is set aside for the future.
Taxes on a big commission year can be a painful surprise.

Where Lithos comes in

We start by understanding your specific situation — then coordinate the right mix of protection, planning, tax, and strategy so the pieces actually work together. No product pushed before a plan is built.

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How We Help

A coordinated plan, mapped to our divisions

The "Corporate Buffer"

An income-smoothing system that turns lumpy commissions into a steady paycheck you set yourself.

Wealth Advisory

Self-employed protection

Disability and income protection built for 1099 professionals with no employer backstop.

Insurance Advisory

Health & benefits

Individual health and benefit options that replace what an employer never gave you.

Insurance Advisory

Self-employed retirement

SEP, Solo 401(k), and other vehicles to build retirement on your own terms.

Wealth Advisory

Tax planning for big years

Proactive planning so a strong year doesn't become a tax shock.

Tax Advisory

Real estate investing

You know property — let's build your own portfolio inside a real plan.

Realty & Lending

Learn First

Building & Preserving Wealth

Built for realtors, investors, and loan officers — covering the Corporate Buffer income-smoothing system, diversifying beyond commissions, and 1031 and entity strategy alongside our CPA partner.

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"The right plan starts by understanding the specific pressures of your work — not by reaching for a product."

The Lithos approach

Questions

Good things to ask

What is the "Corporate Buffer"?

It's a structure that lets you pay yourself a consistent, predictable income even when your commissions arrive irregularly — smoothing the peaks and valleys so your household budget isn't held hostage by the market. It's one of our signature frameworks for commission-based professionals.

I'm 1099 with no benefits. Where do I even start?

Usually with two things: protecting your income (since there's no employer disability plan behind you) and creating a retirement vehicle you control. From there we layer in health coverage and tax planning. You end up with the safety net a W-2 employee takes for granted — built to fit how you actually earn.

Can you help me invest in real estate myself?

Yes. You already understand property better than most — our role is to help you fit investing into your overall plan, think through financing, and use strategies like 1031 exchanges wisely, in coordination with the tax side.

Let's build something that lasts.

A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.

Schedule a Conversation