Flat-Fee Fiduciary Advisory for Hockey Players
Your career is shorter than you think. Your window to act is now.
Every elite hockey player has a team off the ice. We're the position that's been missing.
The Lineup
You already have a team. We're the position that's been missing.
Your Agent
Role: Negotiates your contracts. Protects your career.
What they can't do: Build your financial plan. Coordinate your taxes. Plan your exit.
Your Trainer / Team Staff
Role: Keeps you on the ice. Protects your body.
What they can't do: Structure your cross-border filings. Plan for life after hockey.
TSPW (new position)
Role: Builds your financial plan. Coordinates your taxes. Plans your exit.
Everything your other specialists can't. Fiduciary. Flat fee. Hockey-exclusive.
Your Advisory Tier
One flat fee. Every service included. No AUM. No surprises.
Your agent has a role. Your trainer has a role. Your advisor should have one too — not a piece of everything you own.
Call-Up
For players getting their shot. Build the foundation right.
Total career earnings under $500K
~$15,000/year
- First-contract financial playbook
- Tax strategy & jock tax planning
- Insurance & risk review
- Budget & cash flow system
- Career transition groundwork
Core Four
For players the team is built around. Full financial specialist on your roster.
Total career earnings $500K–$10M
~$35,000/year
- Everything in Call-Up
- Cross-border US-Canada tax planning
- Investment management & allocation
- Contract review coordination
- Estate planning & family protection
- Real estate & business ventures
Captain
For players whose legacy extends beyond the ice. Full family office coordination.
Total career earnings $10M+
Starting at $75,000
- Everything in Core Four
- Dedicated family office coordination
- Multi-entity tax optimization
- Philanthropy & foundation strategy
- Post-career business incubation
- Legacy & generational wealth design
Why do we use total career earnings?
We use total expected career earnings — not annual — because hockey careers are non-linear. Rookies have signing bonuses. Veterans have multi-year deals. Players get traded, called up, sent down. We look at your trajectory, not last year's W-2.
Why This Exists
I watched the financial industry underserve hockey players for too long. Then I built the position that was missing.
Your teammate's “advisor” sold him an annuity because the commission was bigger. Your buddy's CPA has never filed a jock tax return in his life. The “financial planner” your agent mentioned is getting a kickback on every dollar he recommends you save. I've seen all of it. I'm not walking away from the industry — I'm changing how it works from the inside, starting with hockey players.
Here's what I realized: you already have a team off the ice. Your agent negotiates. Your trainer conditions. Your coach strategizes. Each one is a specialist playing one role. But there was one position nobody was playing well — the financial specialist.
That's why Top Shelf Private Wealth exists. Not to replace anyone on your team. To play the position that's been missing. Fiduciary. Flat fee. Hockey-exclusive. On your team, in your corner, one role.
I grew up with a rink in my front yard in Litchfield, New Hampshire. I play beer league in Lake Tahoe. I know this world because I've lived in it my entire life.
Joshua St. Laurent
CFP® · CFT™ · APFC® · ACC · MS Financial Life Planning
- 01Left the brokerage world after watching advisors prioritize commissions over clients
- 02Master's in Financial Life Planning from Golden Gate University
- 03Founded Wealth In Yourself — flat-fee fiduciary for entrepreneurs and real estate investors
- 04Built Top Shelf Private Wealth to play the position hockey players have been missing
The Equipment
Professional tools for professional careers.
Every specialist has their gear. Here's ours.
Altruist
Custody & cross-border capability
RightCapital
Financial planning software
Monarch Money
Budgeting & net worth tracking
Sequence
Cash flow mapping
Cross-Border CPA Specialists
Partner network of CPAs with NHL/AHL experience
Case Study
What happens when the position finally gets filled.
Anonymized Client
AHL Forward, 4-year career
Career Earnings
$0MTax Saved (Year 1)
$0KAUM Fees Avoided
$0K/yrThis player came to us after two years with a commission-based advisor who had never filed a jock tax return. The rest of his team — his agent, his trainers, his PT staff — was world class. The financial position was empty. We stepped into that role. Restructured tax strategy across four states. Built proper cross-border planning. Created a post-career transition plan. All for a flat fee less than what the previous advisor had charged in AUM alone.
This isn't a rare story. It's the story of most hockey players we talk to. The financial position has been chronically empty. We fill it.
* Case study is anonymized and presented for illustrative purposes only. Individual results vary. Past results are not indicative of future performance.
More case studies coming soon as we grow our roster.
Featured In
Trusted expertise.
Press coverage includes general advisory work. TSPW-specific press mentions in development.
Free Resource
The Hockey Money Playbook
The financial fundamentals every professional hockey player needs to know — from your first contract to your last season. No jargon. No sales pitch.
Coming soon. Enter your email to get notified when it drops.
For Agents
The financial side of your players' careers shouldn't be your problem.
You negotiate the deal. You protect their career. We play the position that supports the life they're building with the money you help them earn. Same team. Different specialties. Your clients get a fiduciary specialist. You get to focus on what you do best.
See how TSPW supports agents →Life-changing money should change your life.
Book a 30-minute Opening Faceoff call. No pitch. Just a conversation about what your career earnings could actually build.
Book Your Opening Faceoff