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The Program™ by Overtime Capital Group. Build. Protect. Grow. Legacy.
The Program™ by Overtime Capital Group

Peak earnings come early.Retirement income comes later.

The Program™ is a pension-bridge planning process for professional athletes, executives and business owners whose highest-earning years and traditional retirement income do not line up. It coordinates insurance, liquidity, legal, tax and retirement planning considerations into one strategy, reviewed with the professionals you already trust.

Explore the editionsRequest a private consultation
The editions01Athlete Edition02Executive Edition03Legacy Edition04The Program™ Aviation
What The Program™ addresses

The distance between peak earnings and retirement income.

For many high earners, the most productive income years arrive early or end abruptly, while pensions, retirement plan distributions and Social Security follow their own schedules. The Program™ plans for the years in between: how income is protected while it is earned, where liquidity comes from along the way, and how long-term objectives stay funded after the earning window narrows.

Illustration: earnings rise to a peak early in a career and fall at a transition, while traditional retirement income begins years later. Ongoing needs and obligations continue throughout. The Program™ is shown as a bridge that spans the years in between. The illustration is conceptual and shows no actual ages, amounts or outcomes.

01

Income that arrives early

Peak earnings can be concentrated in a short window, sometimes decades before retirement benefits are available.

02

Income that arrives later

Pensions, retirement plan distributions and Social Security generally follow age-based schedules that rarely match a compressed or unpredictable career.

03

Decisions made in between

Choices about structure, protection and liquidity made during the peak years can shape the options available for decades afterward.

Why traditional timelines may not fit

Retirement plans assume a steady career. Many careers are built differently.

Traditional retirement planning tends to expect income that rises gradually, holds steady and stops at a familiar age. The people The Program™ serves often earn in a different shape.

01

Professional athletes

Careers that can be short and hard to predict, with earnings concentrated in a few seasons and a transition that often arrives well before traditional retirement age.

02

Executives

Compensation that may arrive in layers, including salary, bonus, equity and deferred compensation, each on its own schedule, with transitions that do not always arrive on a planned date.

03

Business owners

Wealth concentrated in a company, income that depends on the business, and liquidity that may only arrive with a sale, recapitalization or succession.

EarningsTraditional retirement incomeConceptual timelines, not to scale.
Coordinated planning

Separate decisions, brought into one strategy.

The Program™ brings planning disciplines that are usually handled separately into one coordinated framework, built around each client’s income, assets, family, business interests and long-term objectives.

  • 1Cash flow
  • 2Protection
  • 3Liquidity
  • 4Legal & entities
  • 5Tax coordination
  • 6Retirement income
  • 7Legacy

Overtime coordinates the strategy. Licensed attorneys, CPAs, insurance and financial professionals implement the parts their licenses permit.

Insurance, liquidity and legal planning considerations

The questions worth answering before the earning window closes.

Every plan is different. These are the areas The Program™ commonly examines, always with appropriately licensed professionals and always subject to each client’s facts and applicable law.

01

Insurance planning

How protection for income and family is structured while earnings are high, and the role permanent life insurance may play in long-term liquidity planning, weighed against its costs, terms and alternatives.

02

Liquidity

Where cash will come from in the years when earnings slow and before retirement income begins, and how liquidity needs are balanced with long-term growth.

03

Legal and entity structure

Trusts, entities and agreements that shape ownership, control and transfer, reviewed and finalized by our attorneys.

04

Tax coordination

How the timing of income, compensation and distributions may affect taxes, reviewed with our CPAs or tax attorneys.

05

Retirement income timing

How pensions, retirement plans, deferred compensation and Social Security fit together, and when each may begin.

06

Legacy objectives

Estate, succession and philanthropic intentions, coordinated so they stay consistent with the rest of the plan.

These are planning considerations, not product recommendations. Insurance products are offered only through licensed professionals, and coverage, costs and policy terms depend on underwriting and individual circumstances.

The engagement process

A clear sequence,from first conversation to review.

01

Discover

A private conversation about income, timeline, family and objectives, to understand whether The Program™ may be a fit.

02

Map

A review of current income sources, assets, entities, insurance and retirement benefits, and how each is owned and timed today.

03

Design

A coordinated strategy, prepared for review with our attorneys, CPAs and other professionals before anything is implemented.

04

Implement and review

Licensed professionals put approved elements in place. Overtime coordinates the sequence and revisits the plan as life, business and law change.

Each engagement is defined in a written agreement. Nothing is a recommendation until the facts have been reviewed.

Who it serves

Built for wealth that arrives on an unusual schedule.

The Program™ is generally suited to individuals and families with significant income or assets and a planning horizon measured in decades. A first conversation helps confirm fit.

01Professional athletes and others with compressed earning windowsAthlete Edition02Executives navigating compensation, equity and deferred compensation transitionsExecutive Edition03Business owners planning for liquidity events, succession or exitExecutive Edition04Families planning to carry wealth and intentions across generationsLegacy Edition05Aircraft buyers and owners who want acquisition coordinated with the rest of their planThe Program™ Aviation
The Program™ editions

One process.Four editions.

Each edition applies the same pension-bridge planning process to a different kind of career, balance sheet and set of objectives. Choose an edition to see how it begins.

Edition 01

Athlete Edition

From short-term income to long-term structure.

For professional athletes and others with compressed earning windows.

Built around short, high-earning careers, the Athlete Edition plans for the transition years and the decades that follow, coordinating cash flow, protection, liquidity and post-career goals.

Focus areas
  • Short earning periods
  • Career transitions
  • Pension timing
  • Post-career business and investment planning
Explore the Athlete Edition
Edition 02

Executive Edition

Fragmented advice, brought into one strategy.

For executives and business owners navigating compensation and ownership transitions.

Designed for income that arrives in layers, the Executive Edition coordinates compensation, deferred compensation, liquidity events and ownership decisions with the timing of retirement income.

Focus areas
  • Compensation transitions
  • Deferred compensation
  • Business liquidity events
  • Succession and estate objectives
Explore the Executive Edition
Edition 03

Legacy Edition

Long-term ownership, liquidity and legacy continuity.

For families planning across generations.

Advanced Wealth Engineering for Ultra-High-Net-Worth Families. The Legacy Edition considers ownership, liquidity and governance across generations, developed privately with each family and its counsel.

Focus areas
  • Ownership continuity
  • Liquidity at transfer
  • Family governance
  • Philanthropic intentions
Explore the Legacy Edition
Edition 04

The Program™ Aviation

Private aircraft acquisition, structured with the same discipline.

For aircraft buyers and owners who want the acquisition coordinated with the rest of their plan.

The Program™ Aviation looks at how an aircraft acquisition may be capitalized, owned and coordinated, including a hypothetical structure that pairs eligible policy-loan liquidity with conventional aviation financing.

Focus areas
  • Acquisition capital
  • Ownership structure
  • Lender coordination
  • Professional review
Visit the Aviation page
Important information

Limitations and disclosures

Read our important disclosures
Private consultation

Start with a conversationabout your timeline.

01

Who should reach out

Individuals and families with significant income, equity or business value whose earning years and retirement income may not line up.

02

What helps to have ready

A general picture of income sources, key assets, existing insurance and the professionals you already work with.

03

What happens next

A private consultation about your situation and whether The Program™ may be a fit. Any engagement begins only with a written agreement.

Request a private consultationCall (214) 305-8477

Please do not share account numbers, passwords or other sensitive information when scheduling.