We all go through major life pivots — sometimes by choice, other times by circumstance. You might leave a job that no longer fits. You might be let go unexpectedly. Or maybe you’re finally launching that business idea that’s been in your head for years.
Whatever the reason, the financial impact of career transition can feel overwhelming. Suddenly, your income isn’t stable. Benefits might disappear overnight. You’re making decisions without a clear roadmap.
That’s when people reach out to us at Macrotech. With over a decade of experience in business consulting and personal financial advisory, Irina Tamarova specializes in helping clients turn unstable moments into grounded, forward-focused plans.
Let’s Talk About the First 30 Days
Those first few weeks after a job shift are the most emotionally charged — and also the most financially important. You don’t have to “fix everything” right away, but you do need to stabilize quickly.
Here’s what we often help clients do in that window:
Review cash on hand and create an updated survival budget
Identify non-negotiables: housing, health insurance, food
Press pause on large discretionary spending
Understand severance or unemployment benefits
Start tracking income gaps and emergency savings burn rate
If you’ve just left a company with a 401(k), you may also want to start thinking about IRA rollovers and consolidating accounts.
At Macrotech, we act as both your thinking partner and financial navigator during that stretch. It’s not just about numbers — it’s about clarity when your world feels like it’s shifting.
Rollover IRAs: Why They Matter Right Now
If you left a job where you had a 401(k) or similar retirement plan, don’t just let it sit. That’s money you worked hard for — and in many cases, it can be put to better use.
We usually help clients:
Roll over their 401(k) into a Traditional or Roth IRA
Review fees and investment options (IRAs usually offer more flexibility)
Align new investments with your current life stage — not just your old employer’s default plan
We’ve had clients who forgot about a 401(k) from a job 7 years ago. It was sitting unmanaged in a high-fee account. A quick rollover helped them reduce annual costs and reposition for better long-term growth.
With Irina’s experience advising both individuals and small business owners, she helps you avoid costly mistakes and ensures your retirement accounts move with you, not against you.
Starting a Business? Your Financial Playbook Changes
If you’re not just changing jobs — but launching your own business — your entire money system needs a reset.
You go from predictable paychecks and W-2s to fluctuating revenue, taxes you have to track yourself, and the mental pressure of funding your dream.
Here’s what we walk clients through at that stage:
Setting up separate business and personal accounts
Creating a 12-month lean business budget
Estimating quarterly taxes (and actually planning for them)
Choosing the right entity (LLC, S-Corp, etc.) from a financial point of view
Adjusting your personal savings plan to match the new reality
Many entrepreneurs make the mistake of assuming business income is “spendable.” It’s not. You’ve got overhead, taxes, maybe even payroll. We help you see the full picture so your business doesn’t eat your personal safety net.
What If You’ve Been Laid Off?
First, you’re not alone. Layoffs happen to brilliant people all the time, for reasons entirely outside of their control. What matters is what you do next.
Financially, we help you:
Calculate how long your current savings will last
Apply for unemployment benefits (if applicable)
Find low-cost health insurance options
Cut back recurring subscriptions and luxuries
Tap retirement accounts only as a last resort — and explore penalty-free hardship withdrawals if absolutely necessary
We also coach you through emotional budgeting — meaning, knowing where to draw boundaries when your instinct might be to panic, spend, or completely freeze. You don’t need a huge win right now — you need a plan that keeps you afloat while the next opportunity emerges.
Short-Term Adjustments With Long-Term Vision
What makes Macrotech’s approach unique is that we’re not just solving the next 60 days. We’re helping you realign your entire financial path around the life you’re stepping into.
For one client, this meant taking a 6-month sabbatical and starting a coaching practice. For another, it meant going freelance and gradually replacing her income with fewer hours and more flexibility.
We look at:
New income strategies
Smart ways to rebuild savings
Setting up SEP IRAs or Solo 401(k)s for business owners
Tax strategy that works with variable income
Protection planning — like disability insurance or legal structures
These aren’t just finance moves. They’re life moves. Irina Tamarova works closely with clients to connect your vision with the tools that support it.
The Emotional Side of It All
Money is never just money during life transitions. It’s about safety, control, pride, momentum. When that shifts — because of a layoff or a leap into entrepreneurship — everything feels a bit more fragile.
We’ve seen this firsthand. And that’s why Macrotech offers not just financial strategy, but real partnership through the messy, transitional parts of your story. The late-night emails. The moments of doubt. The quick questions before a big decision.
Irina’s role is part advisor, part consultant, part calm in the storm.
We’re not here to throw numbers at you. We’re here to build a system that helps you feel grounded again — one decision at a time.