Research standard

About this desk

Freelancer & Solo Operator Desk is a practical guide to the operating side of independent work in the United States.

Who writes it

Toby Rearden — Independent Work & Solo Business Writer. We do not claim credentials, employers, or years of experience that are not documented.

How sources are handled

• Tax mechanics are checked against IRS forms, publications, instructions, and tax-center guidance.
• Worker-classification coverage distinguishes Department of Labor FLSA analysis from IRS and state tests.
• Business setup points use IRS and SBA material, with state or local agencies controlling local registrations.
• Small-claims guides point readers to current court self-help resources rather than maintaining a fragile national limit table.
• Health coverage uses HealthCare.gov and Department of Labor COBRA resources; insurance guides use SBA/NAIC materials and tell readers to check the policy itself.

What this site does not do

It does not determine your worker status, calculate a personal tax return, tell you which lawsuit to file, promise an insurance claim outcome, or replace a CPA/EA, lawyer, licensed insurance professional, or official agency for a fact-specific decision.