A profession we know intimately. Not an industry we merely dabble in.
The financial industry values broad talents. We have made the opposite choice. Every member of our partner team devotes 100% of their working hours to issues unique to elite football: contract structures, agent agreements, inter-jurisdictional club transfers, image rights, injury cases, salary caps, and a retirement age 30 years earlier than the general population.
The income curve no other client has
A typical employee's lifetime income describes a long, steadily rising curve, peaking in their 50s. A top footballer's lifetime income describes a short, steep curve, typically peaking between 25 and 30 and falling by 80–95% around the age of 33–35. This asymmetry is the central challenge our entire model is built to solve.
This means that we not only work with larger sums than the average wealth manager – we operate under entirely different temporal conditions. A three-year delayed decision can cost an ordinary saver 5–10% of their pension wealth. For a player, a three-year delay can cost the entire establishment phase.
We have seen what it means when this phase is missed. We have also seen what it means when it is not. This experience is something a generalist objectively cannot replicate.
What a generalist does not see
TPO structures, third-party ownership of player rights, image rights companies in multiple jurisdictions, transfer bonuses with conditional payout dates, signing fees, loyalty bonuses, performance bonuses, agent commissions with deferred tax liability, salary stoppage for long-term injury beyond 90 days – none of these concepts are found in a standard wealth manager's toolkit.
For us, they are commonplace. We have templates, precedents, banking networks, and tax advisors who have seen each specific construction before – and who know where the pitfalls lie. This specialisation means we can answer questions quickly and precisely, which a generalist would spend three weeks researching.
It also means that our due diligence process for a new acquisition takes into account the player's unique tax position from the very first minute. We do not take a standard structure and try to force a football career into it; we design the structure around the career.
Conditions we routinely encounter
Short contracts
2–5 years at a time, often with clauses for buy-outs and bonus payments.
Club transfers across jurisdictions
The player changes tax residency several times in their career – typically 2–4 countries.
Image rights structure
Own companies for commercial income, often in multiple countries, with complex parent/subsidiary relationships.
Income stoppage due to injury
Long-term injuries can trigger salary stoppage after 90–180 days, depending on club agreement and insurance coverage.
Retirement at 35
Most players must live off what they have built, from an age when others are just accelerating.
Why not other high-income profiles too?
We regularly receive enquiries from, for example, tech entrepreneurs, lawyers, or doctors who desire the same model. We decline – politely, but consistently. Our business is built on deep specialisation, and every client outside the target group would dilute that specialisation for the clients we exist to serve.
Nor is it in the client's interest to be the only footballer with a manager who otherwise handles ten other professions. Every client with us knows that every decision we make is made with the player profile as the default – not as the exception.
"Specialisation is not a marketing strategy. It is a daily working discipline that costs us revenue every single week – and that is precisely why we win the right clients."
Read about our model
This is how we convert career earnings into long-term wealth.