Retirement and taxes, built for independent consultants.
Billing clients on a 1099 means no employer 401(k) and no withholding. Gigaverse auto-saves into a portable Roth IRA from every client payment and keeps your quarterly taxes on track.
Connects with the platforms you already use
A portable Roth IRA
The PRActicle™ portable Roth IRA (via a FINRA/SIPC-member broker-dealer) takes post-tax contributions up to $7,500/year ($8,600 if 50+), grows tax-free, and auto-invests from every client payment. It stays with you from engagement to engagement.
Consulting expenses, tracked
Home office, software, professional liability insurance, certifications, and business travel are generally deductible on Schedule C. Gigaverse categorizes them automatically.
Quarterly taxes for lumpy income
Consulting income often arrives in large, irregular invoices. Gigaverse estimates each quarter from what you actually billed and reminds you before every IRS deadline.
Get paid instantly
Settle client payments in under a minute via stablecoin rails, instead of waiting on slow transfers.
Independent Consultant questions, answered
What retirement account should an independent consultant use?+
The Gigaverse PRActicle™ is a portable Roth IRA (via a FINRA/SIPC-member broker-dealer): post-tax contributions up to $7,500/year ($8,600 if 50+) that grow tax-free. Higher-earning consultants may also consider a SEP IRA or Solo 401(k) (opened at a separate brokerage); compare with our calculators, this is not individualized tax advice.
How should consultants handle quarterly estimated taxes?+
Because consulting income is often irregular, quarterly estimates are easy to under- or over-pay. Gigaverse estimates what you owe from your actual billings and reminds you before each deadline. Your actual liability depends on your income and deductions.
Can I use Gigaverse if I invoice clients directly?+
Yes. Connect your accounts or log direct client payments, and Gigaverse handles retirement auto-saving, expense tracking, and quarterly tax estimates.
Gigaverse is built for every kind of independent worker
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Gigaverse is not a bank. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Tax outcomes depend on your individual circumstances; Gigaverse does not guarantee any specific savings.