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Built for the Creative Economy

GOLDEN HOUR OS

Powered by Golden Hour Financial

Your golden hour is now.

You're a musician, freelancer, content creator, or agency owner. Your income doesn't look like anyone else's — and your financial tools shouldn't either. Golden Hour OS is built around the way you actually earn, invoice, and grow.

✓ You're on the list. Early access + 1 month free.

No spam. No credit card. Early members get 1 month free.

GOLDEN HOUR OS
Good morning
Jordan Rivera
Net Income (Mar)
$9,420
Tax Reserve
$2,355
Invoices Out
$3,800
Savings Goal
68%
Income Streams
Brand Deals
$5,200
Music Sync
$2,800
Freelance
$6,700
Q2 tax due in 18 days. Your reserve covers 100% of your estimated liability.
Built for
Freelancers & Solopreneurs
Built for
Musicians & Artists
Built for
Content Creators
Built for
Small Creative Agencies
The Problem

The tools exist.
None of them get you.

QuickBooks was built for accountants. Mint was built for salaried employees. Nobody built something for the person juggling four income streams, a quarterly tax bill, and three unpaid invoices.

  • 💸
    Irregular income breaks standard tools

    Budgeting apps assume you get paid the same amount every two weeks. You don't — and they're useless because of it.

  • 🧾
    Quarterly taxes sneak up and sting

    No employer withholding. No reminders. Just a surprise bill every three months if you haven't been setting money aside.

  • 📄
    No contracts means no protection

    Sync licenses, brand deals, work-for-hire — one bad handshake agreement can cost you thousands.

  • 📊
    Revenue scattered across 6 platforms

    Royalties here, PayPal there, Stripe somewhere else. No unified view of what you actually made this month.

73M+
Freelancers in the US alone. Zero financial platforms built specifically for them.
$0
Platforms purpose-built for creative entrepreneur finances before Golden Hour OS.
67%
Of freelancers say financial management is their top business challenge.
Platform Features

Built around your creative reality

No salaried assumptions. No accounting jargon. Just the tools a working creative actually needs — to track gig income, stay ahead of taxes, get paid on time, and protect every deal.

📊
Income & Expense Tracking

Connect bank accounts, Stripe, PayPal, and more. Tag income by stream — royalties, gigs, brand deals, ad revenue. One real-time dashboard for everything.

Core Feature
🧾
Tax Tools & Reminders

Automatic quarterly tax estimates based on real income, dedicated reserve buckets, and Q1–Q4 deadline reminders. Includes general tax guidance for self-employed creatives — note that Golden Hour Financial is not a CPA and this does not constitute professional tax advice.

Core Feature
📄
Invoice & Payment Management

Professional invoicing, AR pipeline visibility, automated late payment reminders, online payment links, and recurring invoice tools for retainer clients.

Core Feature
📝
Contract & NDA Library

30+ attorney-reviewed contract templates — sync licenses, brand partnerships, NDAs, work-for-hire, retainers. Editable and e-sign ready.

★ Key Differentiator
📈
Savings & Investment Goals

Emergency fund targets, retirement planning for self-employed creatives, income smoothing calculators, and visual goal tracking dashboards.

Core Feature
🔔
Smart Financial Alerts

Cash flow warnings, unusual expense flags, overdue invoice nudges, tax deadline countdowns, and goal milestone notifications — proactive, not passive.

Core Feature
Pricing

A plan for every stage of the creative journey

Whether you just landed your first freelance client or you're running a full creative agency — there's a tier built for where you are right now.

Starter
Spark
$19/mo
The creative getting financially organized for the first time. Clean tools, no overwhelm.
  • Income & expense tracking (2 accounts)
  • Quarterly tax reminders — no auto-estimation
  • 10 invoices per month
  • 5 core contract templates
  • 1 savings goal tracker
  • Basic smart alerts
  • Plaid bank connection
★ Most Popular
Flow
$59/mo
Active earners managing real revenue across multiple streams.
  • Unlimited accounts & income streams
  • Auto tax estimation + reserve bucket + state tax
  • Unlimited invoicing + automated reminders + Pay Now links
  • Full contract library (30+ attorney-reviewed templates)
  • E-signature via DocuSign or HelloSign
  • Unlimited savings goals + auto-contribution rules
  • Full smart alerts + cash flow dashboard
  • Integrations: Stripe, PayPal, Venmo, Square, Cash App
  • Priority support
Agency
Studio
$129/mo
You have gone from freelancer to business. You manage clients, contractors, and a team. Studio is built for that.
  • Everything in Flow
  • Up to 5 team members with role-based access
  • Client portal — clients view invoices, sign & pay in your branded portal
  • Sub-accounts per client — separate tracking per client
  • Contractor payment tracking + 1099 ready at year end
  • Custom contract builder with clause library
  • Recurring invoice automation for retainer clients
  • Partial payment recording + installment tracking
  • Quarterly financial summary PDF for your accountant
  • Integrations: QuickBooks, FreshBooks, Xero, Gusto, Zapier
  • Dedicated account manager + priority onboarding
Golden Hour Financial
Consulting
Personalized Advisory
For creatives who want more than software — direct access to a licensed financial professional for strategy, retirement planning, and deal guidance.
  • 1-on-1 discovery call to discuss your needs
  • Custom financial plan for irregular income earners
  • Tax strategy review (separate from filing)
  • Retirement planning — SEP-IRA, Solo 401k
  • Investment goal mapping & wealth-building roadmap
  • Deal review advisory (non-legal guidance)
  • Retainer pricing discussed privately

All plans include a 14-day free trial. No credit card required. Cancel anytime.

JS
Jahne Spears
Photo coming soon
Jahne Spears
Founder & Financial Professional
The Founder

Built from the inside.
By a creative, for creatives.

I'm a creative first — curious, craft-driven, and relentless about making work that matters. I've managed income from events, projects, and collaborations across a dozen platforms, and I knew the existing tools weren't built for how creators operate. So I learned the finance side and built something better: I'm a FINRA Registered Representative with a B.S. in Business Management, fluent in systems, compliance, and trustworthy guidance. Golden Hour OS is the result — a purpose-built financial platform that simplifies project-based income, preserves creative momentum, and gives clients clear, compliant control over their money.

I didn't build this because I saw a market opportunity. I built it because I needed it. And I knew if I needed it, so did you.

Still have questions?

Book a free 15-minute intro call with Golden Hour Financial. No pressure, no pitch — just a real conversation about whether this is right for you.

Join theWaitlist.

Golden Hour OS — Powered by Golden Hour Financial

Be first when we launch. Early members get 1 month free on any paid plan.

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