Athletes face volatile income, shorter or uncertain career timelines, and decisions that move quickly. Alpha Financial works with Central Ohio athletes to anchor spending, automate savings in high-earning periods, and keep liquidity ready for taxes and surprises—so choices remain aligned with long-term goals.
Why Athlete Planning Is Unique
Contracts, incentives, role changes, and health can shift the plan overnight. Alpha Financials’ view is that a structured but flexible process—backed by clear documentation—helps athletes act quickly without losing strategic alignment.
Establishing Spending Anchors
We start with sustainable spending that survives low-income months, then:
- Automate savings during peak-earning periods
- Segregate tax reserves
- Define thresholds for discretionary spending
Alpha Financial uses these anchors to reduce decision fatigue and prevent lifestyle creep.
Managing Risk and Liquidity
Protection planning and liquidity are central:
- Injury and liability considerations
- Insurance evaluated in contract/sport context
- Dedicated liquidity for taxes and short-term needs
In Alpha Financials’ process, investment risk is tied to horizon and access needs, with de-risking points defined in writing.
Coordinated Planning
When appropriate, Alpha Financial coordinates with your agent, CPA, and attorney so tax, legal, and contract terms are considered alongside the financial plan.
Reviews That Match Reality
Set a baseline cadence (e.g., quarterly, semiannual) and trigger quick check-ins for contract changes, injuries, or role shifts. Alpha Financial documents what changed, what stayed the same, and which assumptions to revisit next.
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