What the offer actually means, and what comes after.
We model what an offer means after taxes, escrow, and signing-bonus timing, then build the post-career income plan for the short earning window that follows.
A different role than the agent's
We don't negotiate contracts. Agents do that. We model what the offer actually means after taxes, escrow, signing-bonus timing, and state-by-state withholding.
The headline number vs. the after-tax picture
A contract's headline number and its after-tax, multi-year cash-flow reality are often two different figures. We build the projection before the signature, not after the first paycheck arrives.
Planned years in advance, not reacted to
Most NFL careers end before forty, often abruptly due to injury rather than on a planned schedule, which means the post-career transition typically has to be modeled years ahead, while the player is still earning.
The same dignity as the first act
We design retirement plans, transition budgets, and second-act capital reserves so what comes next has the same dignity as what came first.
What’s included.
- After-tax contract analysis: the real number behind the headline figure
- Signing-bonus and deferral structuring, mapped before you sign
- State and jock-tax modeling, so multi-state exposure isn't a surprise
- Escrow and withholding coordination, tracked alongside the contract terms
- Multi-year cash-flow projection across the full length of the deal
- Career-end transition modeling, built years before the transition happens
- Second-career capital reserves, set apart from everyday spending
- Retirement and deferred-comp coordination across every source
- Insurance for career-ending injury, in place while you're still active
How it works.
Model the offer
You see the offer's after-tax value across its full term, not just what year one implies.
Check state exposure
You know where multi-state and jock-tax withholding falls before it shows up on a return.
Coordinate with the agent
Your agent sees the same modeling you do, so the contract and the plan behind it stay in sync.
Build the transition budget
Your budget for after the career doesn't assume peak-earning-year income continues.
Answers from the practice.
Does 755 Financial negotiate athlete contracts?
No: an agent negotiates the contract. We model what a given offer actually means after taxes, escrow, and signing-bonus timing, so the athlete understands the after-tax picture before signing. The distinction matters because an agent's incentive is tied to closing a bigger contract, while a financial planning relationship is separate from whether or how a specific deal gets signed.
What is the jock tax?
A widely used industry term for the income tax athletes owe in every state where they play a game, not just their home state, creating a multi-state filing requirement most single-state preparers don't handle regularly.
Is this the right fit for my situation?
It fits NFL players facing an offer, an extension, or a restructure (especially across state lines) as well as players who are still active and want the post-career transition modeled in advance. A first conversation is how we find out: observations are shared, decisions stay yours.
What happens after I reach out?
We start with a conversation that can include your agent. We review the offer's structure (timing, escrow, and where the income lands) and build the after-tax projection before anything is signed, alongside a transition picture for what comes after the career.
When should post-career planning start?
During active playing years, not after a contract isn't renewed. Players who start this planning while still earning typically have more options than those who wait until the career has already ended.
What happens financially when an NFL career ends?
Most NFL careers end well before age forty, often abruptly due to injury rather than on a planned schedule, which means the post-career transition typically has to be modeled years in advance rather than reacted to after the fact. Planning generally addresses a transition budget that doesn't assume peak-earning-year income continues, disability and career-ending-injury coverage secured while still active, and a second-career or licensing income stream that doesn't depend on athletic performance.
Coordinate with the rest of the firm.
Collegiate NIL
NIL (name, image, and likeness) deals, endorsement income, and licensing each carry their own tax and entity implications, structured for college athletes preparing for what comes next.
AccountingAccounting
Forward-looking tax planning, federal and state returns, and entity structuring.
Wealth ManagementWealth Management
Comprehensive financial planning, disciplined investment management, and retirement income coordination.
Talk through nfl players.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation