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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.

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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
JS
Jahne Spears
Photo coming soon
Jahne Spears
Founder & Financial Advisor
Series 6 · 63 · 65 Licensed · 30 States B.S. Business Management
The Founder

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

Finance isn't something I fell into — it's something I chose deliberately. Over the past five years I've built a career as a FINRA-registered representative, becoming licensed in life insurance across 30 states and holding my Series 65 as an Investment Adviser Representative. I take the responsibility of guiding people's financial lives seriously. That means staying licensed, staying current, and holding myself to the standards of the industry — because your money deserves nothing less.

But I'm also a creative entrepreneur. I curate community events — food drives, health and wellness experiences, and initiatives that create access where it hasn't existed. My most recent work brought underrepresented minority communities into the world of golf. I understand what it means to build something from nothing, to wear every hat, and to care deeply about the community you serve.

That combination is exactly why Golden Hour Financial exists. Running my own creative business, I experienced firsthand the frustration of juggling QuickBooks, Mint, spreadsheets, and tools that were never built for the way creatives actually work. The financial infrastructure that exists was designed for someone else. I decided to build it for us — with the same professional standards I bring to my financial practice, wrapped in something simple enough that you can focus on your craft instead of your spreadsheets.

I'm a financial professional first. And because I'm also a creative, I know exactly what you need — and what's been missing. That's Golden Hour.

What I Offer
💻
Golden Hour OS
The all-in-one financial platform for creative entrepreneurs. Income tracking, tax tools, invoicing, contracts, savings goals — everything in one place, built simple.
Software Platform
🎯
Financial Coaching
1-on-1 strategy sessions to get your finances clear, your taxes planned, and your goals mapped. One session or ongoing monthly retainer — you choose.
$200–$600/month
🛡️
Life Insurance Planning
Licensed in 30 states to discuss and place term, whole life, key-person, and disability coverage. Protection for the business you've built and the people who depend on you.
30 States · All Products
🏢
Enterprise Advisory
For creative agencies and studios that need a fully branded financial command center with a dedicated advisor. Custom dashboard, white-label tools, and hands-on guidance.
Command Tier · $800/mo
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
Solo creatives getting organized for the first time.
  • Income & expense tracking (2 accounts)
  • Quarterly tax reminders
  • 5 invoices per month
  • 5 contract templates
  • 1 savings goal
  • Mobile app access
★ Most Popular
Flow
$59/mo
Active earners managing real revenue across multiple streams.
  • Unlimited accounts & income streams
  • Auto tax estimation + reserve bucket
  • Unlimited invoicing + payment links
  • Full contract library (30+ templates)
  • E-signature included
  • Unlimited savings goals
  • Smart financial alerts
  • Priority support
Agency
Studio
$129/mo
Small agencies and multi-member creative teams.
  • Everything in Flow
  • Up to 5 team members
  • Client billing & portal
  • Contractor payments + 1099 tracking
  • Custom contract builder
  • Branded invoices & proposals
  • Quarterly financial reports
  • Dedicated account manager
★ Enterprise
Command
$800/mo+
For creative agencies & studios that have outgrown basic tools.
  • Custom-branded dashboard & portal
  • White-label — your logo everywhere
  • Branded contracts, NDAs & proposals
  • Unlimited team members
  • Up to 2 coaching calls/month
  • Life insurance planning (30 states)
  • Custom contract templates to spec
  • Dedicated advisor relationship

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

Consulting & Coaching

Real expertise behind every session

Software gets you organized. Coaching gets you ahead. Golden Hour Financial connects you with a licensed professional who actually understands the creative economy.

🎯
Single Strategy Session
$200–$300 / session

One-off financial planning call. Book independently — no subscription required.

  • 60-minute 1-on-1 video session
  • Cash flow & budget review
  • Tax planning overview
  • Financial goal roadmapping
  • Session notes delivered within 24 hrs
🔄
Monthly Coaching Retainer
$400–$600 / month

Two sessions per month with rolling continuity. Best for creators actively building wealth.

  • 2 × 60-minute calls per month
  • Continuous financial plan monitoring
  • Tax reserve & quarterly planning
  • General tax strategy guidance (not CPA services)
  • Contract & deal review advisory
  • Life insurance review (30 states)
  • Priority email & chat access
  • Monthly financial health report
🏢
Enterprise Advisory
Included with Command

Tailored advisory for creative agencies and growing organizations.

  • Up to 2 coaching calls/month
  • Business financial health reviews
  • Team financial education sessions
  • Key-person life insurance planning
  • Buy-sell agreement guidance
  • White-glove advisor relationship

Golden Hour Financial

The advisory practice behind Golden Hour OS. Real credentials. Real expertise. Built for the creative economy.

🏦
FINRA Registered Representative
All financial guidance delivered within proper regulatory bounds.
🛡️
Life Insurance — Licensed in 30 States
Term, whole life, key-person, and disability coverage for creatives.
📚
Series 65 — Investment Adviser Representative
Enables fee-based investment advisory services.
🎨
Built for the Creative Economy
Royalties, sync deals, brand partnerships, retainers — we speak your language.
How Coaching Works

Simple. Professional. Built for busy creatives.

Book a session, show up, leave with a clear plan. No complicated onboarding. Just focused financial guidance that respects your time.

01
Book Online

Self-schedule a 60-minute slot from your advisor's live calendar. No back-and-forth emails. Confirmation sent automatically.

Calendly
02
Intake Form

Quick pre-session questionnaire so your advisor arrives fully prepared for your situation and goals.

2 minutes
03
60-Min Session

Live video call. Walk through your Golden Hour OS dashboard together and build a clear strategy for the next 90 days.

Zoom / Meet
04
Action Plan

Branded session summary with key takeaways and 3–5 concrete action steps delivered to your inbox within 24 hours.

Within 24 hrs
FAQ

Common questions,
honest answers.

Is this real financial advice? +
Golden Hour OS is informational and educational software. Consulting sessions are delivered by a FINRA-registered representative through Golden Hour Financial, holding Series 6, 63, and 65 licenses with a Bachelor's degree in Business Management.
Are the contracts legally binding? +
All templates are attorney-reviewed. They are educational tools — we recommend having your own attorney review before execution. E-signed contracts are legally binding in all 50 states under the ESIGN Act.
Does it connect to my bank? +
Yes — Golden Hour OS uses Plaid to connect to 10,000+ US financial institutions. We never store banking credentials. All connections are read-only. Your data is encrypted in transit and at rest.
What if I earn from multiple platforms? +
That is exactly what Golden Hour OS is built for. Connect Stripe, PayPal, direct deposit accounts, and tag each income source. The dashboard shows your complete picture across every stream simultaneously.
Can I cancel anytime? +
Yes, always. No contracts, no cancellation fees. Cancel from your account settings anytime. Access continues until end of billing period and your data is exportable at any time.
What is Golden Hour Financial? +
Golden Hour Financial is the licensed advisory practice behind Golden Hour OS. It provides consulting, coaching, and life insurance planning. The software and the advisory practice work together — same mission, fully integrated experience.
Can you help me with my taxes? +
Golden Hour OS includes tax tools that calculate quarterly estimates, track deductions, and send deadline reminders. Through consulting sessions we can discuss general tax strategy for self-employed creatives. Golden Hour Financial is not a CPA — for filing returns we recommend a qualified CPA. Think of us as your year-round tax planning partner.

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

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