Professional Athletes
Help to future-proof your income for life after sport
Unfortunately, some footballers go bankrupt after retirement. Not because they didn’t earn enough — but because they didn’t have a plan and got caught out by one of the financial traps that often catches elite professionals.
As a professional athlete, you have the chance to earn life-changing money. But with a short career and luxurious lifestyle – what you do with your money while you’re earning it matters.
We help you build a lifelong plan aiming to secure your life beyond the final whistle. Whether that means investing for future income, buying property or simply understanding how much is ‘enough’ to sustain your life after retirement.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Why do professional athletes need financial advice?
The kind of income a career in sport delivers can provide a lifestyle of extreme spending, and many players fall into a trap of spending too much, too soon. But it’s not just overspending. It could be buying too much property, too quickly. Lending large amounts of money to family and friends or getting sucked into a risky investment scheme. And because everything moves quickly – contracts, transfers, injuries – it’s easy to lose track of what’s coming in and what’s going out.
Careers are also typically short. By the time an average person’s career is taking off, yours might have peaked, and you’ll need to fund a retirement that could span five decades. That’s a lot of money you need to have saved if you want to maintain your lifestyle.
Helping you plan for what’s next
Some of the typical things we help professional athletes with:
Lifestyle and cashflow planning
Know how much you can spend now, and what needs to be put away for later.
Building long-term wealth
Invest your earnings to support you after sport.
Buying property
Get support structuring purchases and avoiding overstretching yourself early on.
Protecting your income
Make sure one injury or illness doesn’t derail everything you’ve worked for.
Avoiding tax traps and bad advice
Keep your money clean, compliant and away from risky schemes.
Supporting family, sensibly
Help those closest to you without jeopardising your financial future.
Planning your next chapter
Create a roadmap for life after sport. Whether that’s business, property, coaching or time with family.
Legacy and estate planning
Protect and pass on your wealth efficiently.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
Advice that moves with you
Your life will change more often than most - new contracts, new cities, new goals. We’ll make sure your financial plan changes with you.
No pressure. No jargon. Just the confidence that someone who knows about finance is looking after your interests so you can focus on the game.
Why Luma?
A clear plan
A clear plan built for a short career and a long life.
Tailored and trusted advice
Trusted advice tailored to the realities of elite sport.
All-round advice
Investment planning, protection, property and retirement advice under one roof.
A long-term relationship
A long-term relationship that continues after your playing days.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
