Executive Summary
You’ve achieved professional success on the court — now it’s time to translate that into financial power off it.
Your new $4.2 million contract positions you for generational security, but unstructured cash flow has created unnecessary pressure.
This Financial Gameplan is designed to help you breathe financially, retain more of your income, and channel your earnings into systems that secure wealth long after your playing days.
II. The Financial Diagnosis
Current Income: $130,000 per month gross
Observed Leak: ~70% depletion through bills, debt, and lifestyle creep
Core Issues
- Lack of automated structure for saving/investing
- Reactive financial decisions vs. strategic flow
- No system for tax optimization or income compartmentalization
- Cash sits idle between pay cycles
III. The Financial Breathing Framework
The 50/30/20 Pro Strategy – Designed for Elite Athletes
1. Wealth Retention (50%) – $65,000 / month
- Tax Optimization Trust (25%) → Automate withholdings and shield from liabilities.
- Long-Term Wealth Fund (15%) → Private equity, real estate, dividend ETFs.
- Insurance & Security (10%) → Disability + life coverage to protect contract value.
2. Lifestyle Flexibility (30%) – $39,000 / month
Maintain comfort and travel within automated caps using dedicated budget accounts.
3. Growth & Legacy (20%) – $26,000 / month
- Entrepreneurial Fund (10%) → Seed off-court ventures.
- Legacy Account (5%) → Family foundation or education fund.
- Liquidity Reserve (5%) → Six months of expenses in a high-yield savings account.
IV. Implementation Plan
Phase I – Audit & Automation
- Analyze monthly statements, expenses, and taxes.
- Automate transfers through the custom Athlete Banking System.
Phase II – Retention & Growth Activation
- Establish income trust and high-yield accounts.
- Deploy long-term investments and insurance coverage.
Phase III – Lifestyle & Legacy Optimization
- Set up tax-efficient business entity for ventures.
- Develop personal brand platform for long-term monetization.
V. Action Plan
Phase I – Audit & Automation
- Client portal set-up for analysis
- Create budget + guardrails (debt plan included)
- Introduce core financial team
Phase II – Retention & Growth Activation
- High-yield savings (5% annual return)
- Roth IRA with REITs → Monthly income target $1,500–$3,000
- Indexed Universal Life policy → Self-banking + future income
- S&P 500 index fund match + critical illness coverage
- Intraday Trading set-up (5–10% weekly return)
- Meet CPA for tax strategy
Phase III – Lifestyle & Legacy Optimization
- Set up trust and business entities
- Ensure LLC is structured for real estate venture with brothers
- Draft Operating Agreement
- Develop brand platform for post-career monetization
VI. The Financial Gameplan Packages
Choose the strategy that aligns with your current stage of wealth mastery.
| Tier | Ideal For | Focus | Core Deliverables | Monthly Investment |
|---|---|---|---|---|
| Rookie | Early-career pros seeking structure | Financial Foundation & Retention |
|
$3,500/month |
| Pro | Established athletes seeking growth | Asset Expansion & Brand Monetization |
|
$6,000/month |
| Legacy | Elite clients building generational wealth | Legacy, Estate, & Business Architecture |
|
$12,500/month |
VII. Next Steps
- Schedule Strategy Session – Align blueprint with income timing and personal goals.
- Execute Phase I Implementation.
- Ongoing Partnership – Monthly reporting, annual strategy recalibration, lifestyle optimization.