Who Gets a 1099?
A Simple Decision Tree for Service-Based Business Owners
Clear guidance for one of the most common and confusing bookkeeping questions.
If you pay contractors and are not completely sure who needs a 1099, you are not alone. This is one of the most common questions I see when reviewing books for service-based businesses.
This simple decision tree is designed to help you quickly determine who does and who does not need a 1099. It allows you to feel confident that contractor payments are being handled correctly without guessing or overthinking.
Not every situation fits perfectly, but this tool provides clarity and a solid starting point.
WHAT YOU WILL GET
A clear step-by-step decision tree
Help understanding contractor versus vendor payments
Guidance you can reference anytime a new contractor is paid
More peace of mind around 1099 requirements
WHO THIS IS FOR
This resource is designed for:
Therapists, counselors, and coaches
Consultants and other service-based business owners
Anyone who pays contractors and wants clarity around 1099s
Meet THE AUTHOR
Jennifer Bridges
Hi, I’m Jennifer Bridges, and I help small business owners bring clarity and confidence to their finances.
With a background in Human Services and a deep-rooted desire to support others, I’ve always been drawn to work that makes a real difference. Over time, I discovered my unique knack for working with numbers and creating order out of financial chaos—so I brought that same heart for service into the world of bookkeeping.
Now, I specialize in helping small businesses understand their finances, reduce stress, and build a strong foundation for growth. I believe that when you have a clear picture of your financials and a simple, effective plan, everything else gets easier—your decisions, your mindset, and your momentum.
Whether you're just starting out or trying to scale, I’d love to come alongside you and help your business thrive.
Get the Free 1099 Decision Tree
If questions come up as you review the decision tree, you are welcome to reach out. Clarity is always the goal.
