Volume Three · Section Three
JDBuilders LLC.
The operating company. Where the work, the customers, and the contracts live — carefully separated from everything else.
Construction and contracting are higher-friction industries than holding cryptocurrency. They involve customers, contracts, deposits, subcontractors, materials, deadlines, and the real possibility of disputes. Every one of those things is a potential source of liability. JDBuilders LLC exists to absorb that liability so that none of it ever reaches your personal home, your savings, or the assets inside SkyMining LLC. That is the whole point.
Recommended structure
- Type: Single-member, member-managed LLC (you can add a partner later by amending the Operating Agreement and refiling with the state).
- Founding member: Johnathon Drew Bias (100%).
- Tax treatment: Default disregarded entity. Active business income flows to your Form 1040 Schedule C. Once net profit reliably exceeds about $40,000/year, we will revisit electing S-corporation status to reduce self-employment tax — that is a decision for an accountant, not for me.
- Home state: The state where you actually take jobs and pull permits. If JDBuilders will operate in only one of the two states, file there. If it will operate in both, file in your primary residence state and foreign-register in the other.
- Registered/statutory agent: Same recommendation as SkyMining — commercial agent for privacy and reliability.
Contractor licensing — an honest preview
Forming the LLC is the first step. It is not the same as being licensed to do contracting work. The licensing rules differ sharply between the two states and need to be handled BEFORE JDBuilders takes its first paying customer.
Draft Articles of Organization
Same structure as SkyMining’s, with a purpose clause tuned for contracting work.
ARTICLES OF ORGANIZATION JDBUILDERS LLC ARTICLE 1 — NAME The name of the limited liability company is: JDBuilders LLC ARTICLE 2 — PURPOSE The purpose for which the company is formed is to engage in any and all lawful business for which a limited liability company may be organized under the laws of [STATE], including without limitation general construction, contracting, remodeling, repair, building services, and related work, together with the holding and management of vehicles, equipment, and other property used in such business. ARTICLE 3 — DURATION The duration of the company is perpetual. ARTICLE 4 — REGISTERED OFFICE AND AGENT The street address of the registered office of the company in the State of [STATE] is: [REGISTERED AGENT ADDRESS] The name of the registered agent at that office is: [REGISTERED AGENT NAME] ARTICLE 5 — MANAGEMENT The company will be managed by its member(s). ARTICLE 6 — ORGANIZER The name and address of the organizer of the company is: Johnathon Drew Bias [YOUR ADDRESS] ARTICLE 7 — EFFECTIVE DATE These Articles of Organization shall be effective upon filing. Signed this _____ day of __________, 20___. _____________________________ Johnathon Drew Bias, Organizer
What is different from SkyMining
The two LLCs share a structure, but JDBuilders carries three additional concerns that SkyMining does not:
- General liability insurance. Before the first paying job, JDBuilders needs a general liability policy ($1M / $2M is the common floor) plus, if there are employees or sub-contractors, workers’ compensation. Hiscox, Next Insurance, and Thimble all quote contractor LLCs online in about fifteen minutes. Annual premium for a one-person contractor often lands between $400 and $1,200.
- Customer contracts. Every job over a modest dollar value should be papered with a written contract that names the LLC (not you personally) as the contractor. We will draft a simple two-page customer contract template as part of this volume, with separate clauses for time-and-materials vs fixed-price jobs.
- Mechanic’s lien literacy. Both Missouri and Arizona allow contractors who have actually performed labor or supplied materials to file a mechanic’s lien when a customer refuses to pay. The procedural rules are strict (notice deadlines, lien filing windows of 4–6 months, etc.) and getting them wrong forfeits the right. We will cover this in detail in Volume Four where we also cover the broader question of property liens.
Operating Agreement — Draft v1
JDBuilders’ Operating Agreement is now drafted in full as a downloadable PDF. Twelve articles, six schedules, an Honest-Hands preamble, a Job-Float reserve clause, written-contract requirements, R.S.Mo. Chapter 429 mechanic’s-lien guardrails, and a plain-English summary at the back. It is a working draft, dated April 2026, and must be reviewed by a Missouri-licensed attorney and a CPA before it is signed.
JDBuilders LLC · Single-Member · Missouri · ≈20 pages · ~211 KB. Banner across the front: attorney-review notice.