How Do You Structure Retirement Savings in Your Handyman Contracts?

I'm a handyman running solo ops and trying to figure out how to bake retirement contributions into my service agreements without scaring off clients. Like, do you use something like a 401k clause or just handle it on the backend with QuickBooks? I had a buddy mention adding a line for self-employed SEP IRA contributions tied to job completion. Anyone got templates or tips for keeping it simple? Saw a thread on r/smallbusiness about this last month, but it was mostly tech guys. NGL, I'm clueless on the legal side here.

Hit 50k in my SEP last year by mandating it in every contract clause - clients don't even blink if you frame it as your business stability fee.

Haha, tried that once and the client thought I was asking for their pension - ended up explaining it over beers instead.

Screw the clients who balk, this PE-backed rollup bullshit is coming for all of us independents - protect your nest egg or get bought out cheap.

Talk to a CPA first, then add a simple addendum to your standard AIA contract form referencing the retirement provision.

Never tie it directly to the job payout, you'll end up in small claims if they dispute the work - learned that the hard way on a deck build.

Goddamn insurance companies already nickel and dime us, now this retirement crap on top? It's all rigged against the little guy.

Man, been there with the contract headaches - just started using a basic template from my lawyer and it's saved my ass twice already.