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Athlete Financial Planning

Don't become the next broke athlete.

Professional athletes earn a lifetime of income in a few short years, and too many of them end up with nothing. We build advice-only financial plans for NHL and professional hockey players, and other athletes, so the money you earn in a decade carries the sixty years that follow.

Our Research

We studied how the money disappears, and why.

In reviewing the cases of 48 current and former NHL players who experienced financial difficulties, where their combined earnings exceeded more than one billion dollars, we looked at how and why they experienced financial hardship and it tells us a great deal about what athletes actually need from a financial and money management plan. High income is never the problem.

What we found

All 48 of them went broke.

More than one billion dollars earned between them, and nothing left of it. Not one fortune was lost on the ice — every single one was lost off it.

Number of players by primary cause
17
15
9
5
4
Addiction & gambling Bad investments & business Legal disputes & other Overspending Divorce & family

Number of players by primary cause of financial hardship, from a review of 48 NHL careers that experienced financial loss. Our own categorization of publicly reported accounts; categories overlap and we name no individuals.

The Earning Window

Your career pays like a lifetime of income but only lasts a decade.

The average NHL career is shorter than anyone plans for, and this means that it is critical to plan your finances efficiently to stretch out your NHL earnings into a lifetime of income for you and your family.

The majority of NHL players will earn the most between ages 22 and 32, often in a currency you do not live in and taxed in jurisdictions you did not choose.

That compresses every financial decision you have to make. Money that would normally accumulate over forty working years has to be structured, protected and made durable in about a ten year career period. We build the financial plan around that reality instead of pretending or ignoring it away.

Are you approached with investments and deals?

“Let me check with my planner.”

Players get pitched constantly, often by family and friends. Those six words let you say no without saying no. We are the neutral filter between you and the deal that ends careers.

Athlete Engagements

One engagement, built for a playing career.

The three packages on our pricing page are built for physicians, business owners and families whose income arrives steadily across thirty or forty years. A playing career is the opposite: the money arrives in about a decade, in a currency you may not live in, taxed in every jurisdiction you play in, and it has to carry the sixty years that follow. Athletes are served under one engagement, priced on its own.

Platinum · Professional Athletes
Platinum Athlete Planning

One annual fee

Advice-only, quoted before we begin.

One engagement covering your contract, your cross-border tax planning, every deal you get pitched, your family, and the plan for the four decades after your last game. We are paid by you and only by you: no commissions, no assets under management, and no referral fees from anyone we coordinate with.

4Planning meetings a year
UnlimitedAdvice between meetings
Same weekWritten opinion on any deal
One teamAgent, accountant & lawyer coordinated
Arrange an introduction
What the fee covers
  • A comprehensive financial plan built around a career earning window, not a forty-year one
  • Contract, bonus, escrow and buyout modelling before you have to decide anything
  • Oversight of multi-jurisdiction and cross-border tax planning, coordinated with your accountant
  • A neutral second opinion on every investment, business and family money request
  • Career-ending injury and early-exit scenarios stress-tested before they happen
  • Estate documents, beneficiaries and family agreements kept current across borders
  • The income plan for life after the game, started while you are still playing
  • One point of contact who holds your entire financial picture
Itemized

Everything included in the fee.

Eight areas of work, all of them inside the one fee. There is no hourly rate running alongside it and nothing on this list is quoted separately later.

01 Contract & compensation

  • Year-by-year net cash model of your current contract, after agent fees, dues and tax
  • Signing bonus, base salary and performance bonus timing
  • Escrow holdback and deferred compensation tracked against what actually lands
  • Two-way contracts, split salary and the scenarios where you spend a season in the minors
  • Buyout, waiver, trade and termination outcomes costed before they happen
  • Arbitration, restricted free agency and free agency modelled ahead of the decision
  • What a new offer is genuinely worth to you after tax, currency and location

02 The career-earnings plan

  • A comprehensive plan projecting career income out to age 90 and beyond
  • The savings rate a career of your expected length actually requires
  • Sustainable spending during the career, not only after it
  • RRSP, TFSA, FHSA, non-registered and corporate account structuring
  • League pension and player benefit entitlements built into the projection
  • Retirement income designed around earnings that stop in your thirties
  • A full refresh of the plan and every projection in it each year

03 Deal screening

  • A written second opinion on any investment, business or private deal you are pitched, same week
  • Restaurants, real estate, startups, private lending, crypto and can't-miss introductions
  • Requests from family, friends, teammates and agents reviewed on the same terms
  • Structure, fee and reference questions asked on your behalf before money moves
  • "Let me check with my planner" as a standing answer you can use in the room
  • A documented record of what you were shown and what we said about it

04 Risk & career-ending injury

  • Career-ending injury: what the plan looks like if it stops tomorrow
  • Contract guarantee analysis: what is protected and what is not
  • The plan tested against a career that ends at 26 rather than 36
  • A season lost to injury costed before you lose one
  • Protecting what you have already banked from market and liquidity risk
  • The decisions to make now that make an early exit survivable

05 Cash flow, credit & purchases

  • In-season and off-season cash flow built on your real pay schedule
  • Banking and account structure across two countries and two currencies
  • Mortgage and credit strategy for someone who can be traded on a Tuesday
  • Buying, renting or holding property in the city you play in today
  • Family support and allowances set deliberately instead of drifting upward
  • Vehicles, major purchases and the spending that follows a new contract

06 Family, estate & documents

  • Wills, powers of attorney and personal directives valid where you actually live
  • Beneficiary designations on every account, plan and policy, kept current
  • Support for parents and siblings planned rather than improvised
  • Marriage, cohabitation and separation risk addressed before it is an issue
  • Coordination with your lawyer on domestic and prenuptial agreements
  • Children, guardianship and education funding

07 Life after the game

  • Second career, education and business planning started while you are still playing
  • Endorsement, appearance and licensing income structured properly
  • Personal brand, corporation and holding company questions when they apply
  • Your own business ideas run through the same screen as anyone else's
  • The income plan for the forty years after your last game
  • Transition work done in the season you retire, not the year after

08 Your team & how we work

  • Four planning meetings a year, in person or by video, wherever the season puts you
  • Unlimited advice between meetings - no clock, no per-question fee
  • Coordination with your agent, accountant, lawyer and investment manager
  • Secure client portal holding your plan, projections and documents
  • Trade, injury and contract events handled the week they happen
  • One planner who knows the whole picture, not a rotating service desk
One fee, once a year

All fifty items above, in a single annual fee plus applicable GST or HST. The fee is disclosed, discussed and agreed in writing before any work begins. Nothing on our pricing page applies to a Platinum athlete engagement.

Our fee covers our planning work only. It does not include the fees of your accountant, lawyer, or any other outside professional we coordinate with. Those professionals are engaged directly by you and bill you separately for their own work.

Build the plan while the earning window is open.

Email us directly at , or book a call to start the conversation.