Private wealth. Capital solutions. Legacy planning.
For professional athletes and others with compressed earning windows. The Athlete Edition applies the pension-bridge planning process of The Program™ to careers where the highest-earning years can be few and the transition can come early.
Part of The Program™A pension-bridge planning process. Build. Protect. Grow. Legacy.Professional careers can be short and difficult to predict. Earnings are often concentrated in a handful of years, while the expenses, commitments and goals they support continue long after the final contract.
A large share of lifetime income may arrive in a short window, which makes early decisions matter.
Injury, roster changes or a shorter career than expected can move the transition forward with little warning.
Retirement income from pensions and other plans may begin many years after the playing career ends.
Planning around concentrated income, so the peak years can support the decades that follow.
Preparing for the move from playing to what comes next, whether it arrives on schedule or early.
Understanding when pension and retirement plan benefits may become available, and planning for the years before they do.
A sustainable rhythm for spending, saving and obligations that can hold through changes in income.
How permanent life insurance may contribute to long-term protection and liquidity, considered alongside its costs, terms and alternatives.
Coordinating entities, contracts and the timing of income with our attorneys and CPAs.
Evaluating ventures and investment opportunities with structure and discipline, including how much capital is put at risk.
Estate, family and philanthropic goals planned early, while income is strongest.
Topics are explored and coordinated with licensed professionals. Not every topic applies to every client, and the services provided are defined in each written engagement.
The Athlete Edition looks at the full arc of a career, from the first contract to retirement income, so each phase is planned with the next one in mind.
Establish cash-flow habits, protection and the professional team before income peaks.
Coordinate structure, tax timing and liquidity while earnings are strongest.
Plan for the change in income, and for the decisions that often arrive with it.
Support the next chapter, including business, investment and family objectives.
Coordinate pension and retirement plan income as it begins, alongside legacy goals.
Overtime does not replace your agent, attorney or CPA. It coordinates the planning between them, so a decision made in one area accounts for the others.
Overtime maps the full picture, designs the coordinated strategy and keeps the sequence of work moving across our professionals.
Contracts, endorsements and day-to-day financial administration.
Entities, trusts, agreements and estate documents.
Tax positions, filings and the timing of income.
Coverage design, underwriting and policy placement.
Investment advice and portfolio management.
A private conversation about your career, timeline, family and goals.
Income, contracts, assets, entities, insurance and benefits, and how each is owned and timed.
A coordinated strategy, reviewed with our attorneys, CPAs and other professionals.
Approved elements put in place by licensed professionals, then revisited as your career changes.
One pension-bridge planning process, four editions. Explore The Program™ Edition02ExecutiveFragmented advice, brought into one strategy. For executives and business owners navigating compensation and ownership transitions. Explore the Executive Edition Edition03LegacyLong-term ownership, liquidity and legacy continuity. For families planning across generations. Explore the Legacy Edition 
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Private aircraft acquisition, structured with the same discipline. Visit the Aviation page Every engagement begins with a private conversation about your career, your timeline and the people who depend on you.
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