What We Do
Every service a hockey player needs. One flat fee.
The compressed earning window changes everything. Your financial plan can't be the same playbook an advisor uses for a dentist. Every service below is built for the specific complexity hockey players face.
Compressed Earning Window Planning
You have 10 to 15 years to earn what most people earn over 40. Every financial decision carries more weight. We build a plan that respects that math — front-loading savings strategies, optimizing your peak earning years, and creating durability that lasts decades beyond your last game.
Cross-Border US-Canada Tax Planning
Playing in both countries creates tax complexity most advisors have never seen. Treaty provisions, foreign tax credits, RRSP vs. 401(k) decisions, and currency considerations all need to work together. We coordinate it so you're not overpaying on either side of the border.
Jock Tax Strategy
Every game you play in a different state or province triggers a separate tax obligation. Most accountants don't know this exists. We track every game, every jurisdiction, and build a strategy that minimizes what you owe across all of them.
Contract Review Coordination
Your agent negotiates the contract. We analyze the financial implications — signing bonus structures, deferred compensation, performance incentives, and how each element affects your tax picture and long-term wealth. We don't replace your agent. We make sure the money side makes sense.
Post-Career Transition Planning
The identity shift when hockey ends is real. The financial shift is equally dramatic — going from peak income to zero overnight. We build a transition plan that covers income replacement, health insurance, business ventures, and the psychological reality of life after the game.
Insurance & Risk Management
Career-ending injuries happen. Disability insurance, life insurance, and liability coverage need to be structured for the specific risks hockey players face — not the generic templates most advisors use. We build coverage that actually protects your family and your earning potential.
Estate Planning
Your estate plan needs to account for assets in multiple jurisdictions, potential dual-citizenship considerations, and the reality that wealth was built in a compressed window. Wills, trusts, beneficiary designations, and guardianship provisions — all coordinated as part of the plan.
Investment Planning
Low-cost, broadly diversified portfolios built for the long arc — not chasing returns. No proprietary products. No commissions. Your investments are custodied at Altruist, managed with your specific timeline and cross-border needs in mind. We build for the decades after hockey, not just the years during it.
The Career Architecture
A living document for your financial life during and after hockey.
We call the way we work The Career Architecture— the framework we use to structure your financial life around your career window, not despite it. It's the plan that captures the vision of the future you lay out for me and translates it into the decisions that get you there.
The Career Architecture is a living document. Every financial decision you make from here forward gets routed through it. Change the inputs — a trade, a new contract, a baby, a business — and the plan adjusts. The point is to make sure your family is taken care of and that any change to your finances still supports the life you're building.
The jock tax isn't an add-on — it's a core piece of the Architecture. Cross-border planning isn't a referral to a Canadian accountant — it's integrated into every decision we make. All of it included in one flat fee. No AUM percentage. No commissions.
Your window to act is now.
Book a 30-minute Opening Faceoff call. No pitch. No pressure. Just a conversation about protecting your career earnings.
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