Independent Financial Advisers · Worsley, Manchester
Financial Advice for Professional Sports Athletes
A sporting career is short, intense and unlike any other. Whether you play football, rugby, cricket, or compete in boxing, MMA, golf, tennis or athletics, our FCA-regulated independent advisers help you turn peak earnings into lifelong security — during your career and long after it.
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✶ Independent Financial Advisers
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✶ FCA Regulated
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✶ Complete Discretion
A Career Like No Other Needs Planning Like No Other
Most people build their wealth gradually over a forty-year working life. An athlete does the opposite: your highest-earning years arrive first, often before you turn 25, and the average professional career lasts less than a decade. One contract, one transfer, one injury can change everything — and studies have repeatedly found that a worrying proportion of professional sportspeople run into serious financial difficulty within a few years of retiring.
It does not have to be that way. With the right plan in place early, the money you earn at your peak can fund the whole of the life that follows — your family, your second career, and the retirement most people spend decades saving for.
The Financial Challenges Athletes Face
We build your plan around the realities of professional sport.
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A short, uncertain earnings window Contracts are short, form and selection change, and careers can end without warning. Your plan needs to assume the window may close earlier than you hope — and make sure you are secure either way. |
Sudden wealth at a young age Large sums arriving in your teens or early twenties bring lifestyle pressure, family expectations and attention from people who do not have your best interests at heart. Structure protects you. |
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Injury and career-ending risk In boxing, MMA, rugby and football especially, one moment can end a career. Income protection and the right insurance are not optional extras — they are the foundation of the plan. |
Two retirements, not one Athletes retire twice: once from sport, and once from working life altogether. Good planning funds the transition into your second career and the decades beyond it. |
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Complex, irregular income Salary, win bonuses, fight purses, prize money, sponsorship and endorsements all arrive differently and are taxed differently. High earnings also mean tapered allowances and additional-rate tax. |
Being a target for bad advice Sportspeople have historically been sold aggressive schemes and speculative investments that later collapsed or triggered enormous tax bills. We only use established, mainstream planning — and we will tell you plainly when something you are offered elsewhere looks wrong. |
Sports We Work With
Based in Worsley, minutes from some of the biggest clubs in world sport, we advise professionals across the North West and throughout the UK — men’s and women’s sport alike.
🏉 Rugby Union & League
🏏 Cricket
🥊 Boxing
🥋 MMA & Mixed Martial Arts
⛳ Golf
🎾 Tennis
🏃 Athletics
🏎 And more
How We Help — During Your Career and After It
One trusted, independent point of contact for your financial life, working alongside your agent, accountant and family.
Structure Your Peak EarningsA clear plan for what you spend, what you protect and what you invest — so today’s contract funds tomorrow’s life, not just this season’s lifestyle. |
Invest for Life After SportDiversified, sensible investing across pensions, ISAs and other tax wrappers — designed around your goals and reviewed as your career develops. |
Tax Planning Done ProperlyLegitimate, established strategies to manage income tax, capital gains and inheritance tax — never aggressive schemes that put your name and wealth at risk. |
Protect Yourself and Your FamilyIncome protection, life cover and critical illness cover built around the physical risks of your sport and the people who rely on you. |
Plan the TransitionRetirement from sport can mean coaching, media, business or something entirely new. We make sure the money is in place to give you genuine choices. |
Support for Your FamilyHelping parents and partners understand the plan too — because the best financial decisions in sport are usually made as a team. |
Why Athletes Choose Retirement Professionals
We are an independent, FCA-regulated advice firm based in Worsley, Manchester — in the heart of one of the most concentrated sporting regions in the world. We explain everything in plain English, we are never paid to push one provider’s products, and everything you tell us stays completely confidential. That approach has earned us more than 150 verified five-star reviews and recognition as a VouchedFor Top Rated Firm.
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150+ Verified 5-star client reviews |
Independent Advice built around you, not a provider |
FCA Regulated Authorised and regulated for your protection |
Athlete Financial Planning — Common Questions
When should an athlete start financial planning?
As early as possible — ideally with your first professional contract. The earlier structure is in place, the more of your career earnings work for your future, and the less pressure there is on every later decision.
I already have an agent and an accountant. Where does an adviser fit?
Your agent manages your career and your accountant handles your tax returns. An independent financial adviser plans your personal wealth — investments, pensions, protection and long-term security — and works alongside both. The best outcomes come from all three working together.
I’m early in my career and not on huge money yet. Is it still worth it?
Yes — arguably more so. The habits and structure you build on your first contracts determine what happens if the big one arrives, and protect you if it doesn’t. Your first conversation with us is free either way.
Will anyone find out we’ve spoken?
No. Every conversation is completely confidential, and we are happy to meet away from the training ground — face-to-face, by phone or by video call, at times that fit around your schedule.
Your career is short. Your money doesn’t have to be.
Start with a free, confidential, no-obligation conversation with one of our independent advisers — no jargon, no pressure, no judgement.
Built substantial wealth beyond sport? See our advice for high net worth individuals →
The value of investments can go down as well as up and is not guaranteed. You may get back less than you invested. Tax treatment depends on your individual circumstances and may change in the future. Our advised services are provided on a fully advised basis by FCA-regulated advisers.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.