Utopia is the community for self-employed professionals who want real benefits, trusted advisors, and a network that actually moves their career forward — all in one place.
1099 Workers was started by the self-employed, for the self-employed. We know firsthand that going independent shouldn’t mean going without — without health coverage that works, without financial tools designed for how you actually earn, without a community that understands your life.
Utopia is what we built when we asked: what if independent professionals had everything that full-time employees take for granted, plus the community and resources to grow even faster?
Everything is built on the 1099 Workers benefits engine — meaning it’s real, it’s live, and it works today.

COMMUNITY (UTOPIA)
Job Boards & Client Marketplace
Expert-led Events & Workshops
Peer Mentorship & Accountability
Community pProfiles & Service Listings
Courses & Professional Development

FINANCIAL TOOLS
NewtekOne Business Banking & Lending
Verifiable W-2 Income for Loans & Mortgages
Income Protection
Free Advisor Network: Tax, Legal & Marketing
Retirement & Financial Planning Resources

BENEFITS & COVERAGE
Group Health, Dental & Vision
Stand-alone Rx + Virtual Primary Care
Cancer, Critical Illness & Hospital Plans
401(k) Retirement Planning
Telehealth & Virtual Care
Joining Utopia takes less than 5 minutes.
Sign up with your name, email, and a few details about your work. Tell us what you do, who you serve, and what you’re building.
Pick the membership that fits where you are. You can always upgrade later.
We keep Utopia a quality community. Once you’re in, your profile goes live in the directory so other members can find and connect with you.
Browse the member directory, show up to events, find a mentor, post your services, or land your next client. Utopia works because the people in it are serious about their independence.
We’ve built a new institution for every dimension of independent work.
The independent workforce is one of the fastest-growing and most underserved segments of the American economy. No institution has been built at scale to support them.
We’re changing that — not just by offering benefits, but by building the infrastructure, the community, the tools, and the advocacy that an entire workforce deserves.
We’ve proven the model. Now we’re building what comes next.

INDEPENDENT PROFESSIONALS
Freelancers and consultants
Contractors and gig workers
Self-employed business owners
1099 earners without employer benefits

BUSINESSES & PARTNERS
Employers offering contractor benefit solutions
Brokers & affiliates (Branded Marketplace)
Associations & partners (white-label payroll)
Staffing firms & workforce platforms
Join Utopia. Get the benefits, banking, and community that independent professionals deserve.
Join Today