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A short earning window
A lifetime of income may arrive in just a few seasons, and it has to cover decades.
What We Do · Athletes & Coaches
The real test isn't how much you earned, it's how long it lasts, and how much we help you keep.
The Playbook
Three phases. One game plan for life.
Great teams don't win on offense alone. Your financial life works the same way: protect first, build second, and plan how you'll finish.
Your Financial Game Plan
Built from the bottom up
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The Long Game
Distribution: income that lasts for life
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Offense
Accumulation: make your peak years count
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Defense
Protection: guard you, your family, your money
Every plan is built from the ground up. Defense first.
The Clock Is Running
The clock is running.
Game Clock15:004th Quarter
3–5 yrs
Typical length of a professional career in most major leagues.
~16%
of NFL players filed for bankruptcy within 12 years of retirement, regardless of how much they earned.*
50+ yrs
How long your money may need to last after you retire from the game in your 30s.
*Carlson, Kim, Lusardi & Camerer, "Bankruptcy Rates among NFL Players with Short-Lived Income Spikes," NBER Working Paper 21085 (2015).
Scouting Report
Why an athlete's money plays by different rules
Most financial advice assumes 40 years of steady paychecks. Your career looks nothing like that, so your plan shouldn't either.
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Big money, fast
Sudden wealth brings new taxes, new decisions and new lifestyle pressure, often before age 25.
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One injury away
A single play can end a career. Your income needs protection that most people never think about.
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Everyone wants a piece
Family, friends, "opportunities" and advisors with conflicts. You need someone only on your side.
Where Are You in Your Career?
It's never too early. It's never too late.
The Rookie
The Veteran
The Retired Pro
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First Contract
The Rookie
Set the foundation before the money arrives: protection, a budget you can live with, and habits that last. The earliest decisions carry the most weight.
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Peak Years
The Veteran
Maximize what you keep from your biggest contracts, reduce taxes, and start designing the income you'll need when you hang it up.
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After the Game
The Retired Pro
Organize what you have, protect it, and turn it into reliable income, while you figure out your next chapter.
For Coaches
You've spent your career preparing others. Who's preparing you?
Coaching careers come with their own risks: one tough season can mean a new city, a buyout, or a gap in income. We build plans that move with you.
Contract & buyout planning
Make sense of guaranteed money, buyouts and deferred compensation.
Income gaps
Reserves and cash-flow plans for the time between jobs.
Family on the move
Protection and planning that stay steady through relocations.
Mentor your athletes
Bring our financial workshops to your team or program.
Play 01 · Your Game Plan
How We Work
From film room to game day
Step 1
Film Session
We learn your story, your contracts, your goals and your family's needs.
Step 2
Draw the Play
We design your game plan across Protection, Accumulation and Distribution.
Step 3
Execute
We put the plan in motion and coordinate with your agent, CPA and attorney.
Step 4
Review the Tape
Regular check-ins to adjust as your career, contracts and life change.
Why Cornerstone
On your team. Nobody else's.
We are an independent firm, loyal to our clients, not bound to a specific bank, brokerage or insurance company. We work as a team, and our only playbook is yours.
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Independent
Not tied to any bank, brokerage or carrier.
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Team-Based
A team-based approach to every client.
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Under One Roof
Private wealth, tax, retirement, estate and asset protection under one roof.
FAQ
Questions from the locker room
It's the best time. The decisions you make during your playing years have the biggest impact on what you'll have when you stop.
Your agent negotiates your contracts. We plan what happens to the money after it's signed. We work alongside your agent, not in place of them.
Yes. We'll organize what you have, protect it, and build an income strategy for the years ahead.
Your Next Move
Your career has a clock. Your wealth shouldn't.
Schedule a free Game Plan session. We'll review where you stand today and map out your next three moves.
"The best time to plant a tree was 20 years ago. The second best time is today."