Football

A footballers career can be lucrative and rewarding, but it is also short and unpredictable and therefore it is vital to make the right financial decisions along the way.

At KWM, we exist to give you the confidence to create the future you want.

Having advised over 200 professional football players, we have vast experience allowing us to understand the demands placed on you in the football industry. The consistent hard work. The extra hours. The constant travelling. The pressure. The bits the fans don’t see.

We are here to help. 

We help to ensure you are in control of your future. 

We help you feel confident that when you hang up your boots at the end of your career, your assets will generate enough income for you to be able to live the rest of your life how you choose. Enjoy the future you deserve. Financial Freedom.

Our experience at KWM tells us that the journey through your career is different for everyone, but the one thing in common is that there are never any guarantees.

Your career will no doubt have it’s own challenges and choices, and you will have your own objectives depending where you are on your journey.  As you move through life, your needs and circumstances will change over time. That’s okay. We get that.  

With a little bit of planning and some expert guidance, you can add some certainty to your financial future.

Bukayo Saka
Cesc Fabregas
Ben Chilwell
Jacob Ramsey

Bukayo Saka

Thanks KWM for all the advice so far!

Cesc Fabregas

Muchas Gracias KWM for your help and advice!

Ben Chilwell

Thanks to KWM for always looking after me and advising me. It’s brilliant to know my future will be secure after football.

Jacob Ramsey

I’ve worked with KWM throughout my career so far. I know I’m going to be in a good place come the end of my career with the plans we’ve put in place. Thanks KWM for everything you do for me. I’d recommend KWM to any player.

Working With You & Your Family, From Academy, First Pro & Beyond

You know the power of teamwork more than anyone.

Our team of experienced specialist advisers have devised a formulated way to ensure that we can collaborate with you, your families and your management team to develop an appropriate financial plan to match your current circumstances and meet your future objectives.

Our advice is as important when you are starting out in an Academy as it is in the later years of your career. And we are there with you and your team every step of the way.

It is hard to get your head around thinking about the end, when it has only just started.

But this is exactly what you should be doing as a young player.  Your career can be lucrative but is short.  It is therefore important to start to plan for the day you hang your boots up right from the very start.

Being young gives you the advantage of benefitting from investment growth, and the compounding effect of saving over the long term.  Interest on interest!  Doing this throughout your career is good discipline. 

Of course, the key question is always ‘How much should I save’?

And it is not just about your savings. You might want to helping your family. Buy your first property.  Insure yourself.

On your first contract, it might seem next to impossible to do all of this with all that life throws at you.  By taking advice as early as possible means that you’ll have a better chance of achieving the retirement that you have in mind. 

Working with you and your family, our long-term relationship is as important as the decisions and advice we help you with. 

Our long-term relationship is as important as the decisions and advice we help you with.  It is just as important that those close to you are involved in the process if you want them to be. 

 Your Parents.  Your Agent.  Your Spouse.  Your Accountant.  Your Lawyer.  We are happy to collaborate.

 Collaborate.  Empower.  Achieve.  To inspire your financial future.

David Brooks’ Father
Bukayo Saka’s Family
Jadon Sancho’s Father
Juliet Essex, Mother of Jacob & Aaron Ramsey
Scott & Charlotte Doyle, parents of Tommy Doyle

David Brooks’ Father

For my son, being able to understand his current financial position is really important and this is made easy & enjoyable by KWM. David’s options are always made clear to us all, and it enables us to in turn make the correct decisions accordingly. We have never failed to be impressed by the care, knowledge, attention to detail, advice and genuine interest shown in not just David, but all of us, by KWM. Overall, I feel very comforted that my son is working with the right people and we hope to work with KWM for many years to come.

Bukayo Saka’s Family

As a family, we love working with KWM. Their expertise are so valuable for us, and we are blessed to have KWM as part of our team during Bukayo’s career & hopefully beyond. They have given us so much positive advice, nothing is ever too much trouble for them & we can trust them with anything. They are caring and have Bukayo’s best interests at heart. Quite simply, KWM have been fabulous for us and we couldn’t speak more highly of them.

Jadon Sancho’s Father

KWM have gone above & beyond for Jadon since he was 17. They’ve been there to advise us in the UK & Germany, always with prudent knowledge. We know if we ever slip up, KWM are on point!

Germany

Juliet Essex, Mother of Jacob & Aaron Ramsey

I absolutely love the way you look out for my boys

Scott & Charlotte Doyle, parents of Tommy Doyle

We first met when Thomas was just 15 and KWM have provided us with invaluable advice ever since. They always act with Thomas’ best interests at heart and we feel that we can trust KWM with absolutely anything. There is nothing they wouldn’t do to help us and as parents, that makes us extremely happy & comfortable.

Playing Overseas

In football, you never know what is coming next.

In recent years, we are seeing more and more British players venturing abroad, deciding to test themselves away from the Premier League.

As exciting as it is, moving abroad will bring new complexities to navigate.  

Whether it is ensuring your salary is protected from national legislation in Germany or France in the event of an injury, compliance with the IRS PFIC rules in the USA or navigating through the Italian new residents / inbound workers tax regimes, you will need to seek specialist financial advice.

KWM has supported many players during their moves overseas.  We understand conflicting tax considerations, local insurances that will be required and strategies for managing your income in different currencies.

Please note that tax advice overseas will involve a referral to a service that is separate and distinct to those offered by KWM Wealth or St. James’s Place.

See below for some the countries that our team of qualified, expert advisers have gained experiences of advising players within.

Calvin Bassey
Jadon Sancho’s Father
Kieran Gibbs
Josh Cullen
Yan Valery
Axel Tuanzebe

Calvin Bassey

Trying to understand a new financial system, currency & tax when I moved from Rangers in Scotland to Ajax in Holland was daunting but KWM were by my side every step of the way, & have made the transition easy & efficient. I enjoy planning out my finances with them & their advice has been bang on! I love how close I have become to KWM – they’re family!

The Netherlands

Jadon Sancho’s Father

KWM have gone above & beyond for Jadon since he was 17. They’ve been there to advise us in the UK & Germany, always with prudent knowledge. We know if we ever slip up, KWM are on point!

Germany

Kieran Gibbs

I have known the team at KWM since I was a teenager at Arsenal & they have become a big part of my life. When I moved to Inter Miami FC, KWM led the way with the implications of being a US resident ensuring I was being efficient and compliant. I am forever grateful to the support and advice that KWM provide to me. I would recommend KWM to everyone.

USA

Josh Cullen

When I moved from West Ham to Anderlecht, KWM were superb. At the last minute, they helped with the finances & completely put my mind at east financially. They advised me on the specialist insurances I would need, ensuring I was fully protected against injury risk. There are more € – £ strategies in place than before, but the advice I get from KWM is just as effective as ever.

Belgium

Yan Valery

KWM have always understood my needs. I signed from Southampton to Angers in France late on a Friday and had a game on Saturday. Outside of working hours, late Friday night & early Saturday morning KWM ensured that I was insured against an injury meaning I could make my debut without risk. Without this my debut was unlikely – KWMs experience & knowledge was helpful. KWM really care about you.

France

Axel Tuanzebe

It’s great that KWM have got my back. They respond all hours of the day and nothing is too much trouble. I cant thank them enough. KWM – you’re the best in the business! I’d recommend working with them.

Italy

Retired Players and Non-Playing Staff

Your playing career will come and go quicker than you could ever imagine.

However, the day you hang up your boots isn’t the day that your financial planning journey ends. Your relationship with KWM will continue far beyond your playing career.

You may choose to stay in the game and continue working, or you may have reached retirement and be in decumulation mode.  Either way, this next chapter of your life needs to be carefully planned.

At KWM, we have experience in not only building, but also executing effective, efficient and sustainable retirement plans.  

Planning for a long retirement is one of life’s many priorities, and as we are living much longer than previous generations on average, income generation needs to be sustainable.  

At KWM, we exist to give you the confidence to create the future you want, and that will continue long after you no longer put on your boots.

Edu
Lee Bowyer
Ray Houghton
Matt Bloomfield
Sylvinho
Adebayo Akinfenwa
John Scales

Edu

KWM, my friends! Thank you for your help!

Lee Bowyer

I have been really happy with the care KWM have taken with my financial planning. My investment returns have been really good and the overall advice I receive has been useful and efficient. I know myself and my family are in good hands with KWM.

Ray Houghton

My Adviser at KWM has taken care of my financial planning for many years now. Their consideration for my personal circumstances has been second to none. Everything they have done for me has been explained in a clear and precise manner.

Matt Bloomfield

As I transitioned towards the end of my playing career and into the next stage of my football career as a Manager, it is great to have KWM on the other end of the phone to run through the financials. They leave no stone unturned in their advice to me and I only wish I had met them sooner than I did.

Sylvinho

KWMs support system has been helpful to guide me through my needs and wants. They have been responsive and shown commitment to what I was in need of.

Adebayo Akinfenwa

The advice I get from KWM is big, I appreciate it with a lot of love! Beast advice! Beast mode! Blessed.

John Scales

KWM Wealth are an ideal partner for me, managing financial affairs I’ve been more than happy to delegate to them for many years now. I trust them to look after my best interests, provide great advice & by having the confidence I do, allows me peace of mind. My KWM Adviser is personable, friendly & always on hand, he’s always incredibly professional, diligent & committed, meaning I can find no fault with their service.

Career Ending Insurance

Our good health is arguably our most precious asset. It’s often something we take for granted.  

For a footballer, protection is about more than simply buying a life insurance policy – more than ever it’s vital to consider the whole picture. 

How will your family cope if you passed away? What would happen in the event of an illness? What happens if you get injured and must retire from playing football earlier than expected?

In the UK, if you have to retire from injury or illness, your Club is only obliged to pay you for

• 12 months if injured on club duty

• for 6 months if not on club duty

and not for the duration of your playing contract.  

Outside of the UK, in some countries, your Club would stop paying your wages if you were injured for more than 42 days (Germany) or 90 days (France).

Your income could stop, but your outgoings won’t.  In fact, they would likely increase if you were incapacitated.

There are specialist insurances for this, with the most popular often known in the industry unofficially as Career Ending Insurance.

KWM have brokered over £800,000,000 of specialist insurance for footballers (correct as of June 2023) and our vast experience means that we can help you to assess your individual situation and requirements, before devising a plan to ensure you have the peace of mind you need.

David Brooks
Lewis Dunk’s Mother
Joe Riley
Yan Valery

David Brooks

I knew that I had always been sensible and taken KWM’s advice regarding insurance, but I didn’t ever think too much about it as I felt I would never need to use it. When we first spoke after I was diagnosed and before I started treatment, it was very reassuring to know I had John and the KWM team sorting everything out for me with my insurances and financial planning. It took away a big stress that I didn’t need at that time, as my sole focus was on recovering. If I’m honest, I didn’t think much of it when we first took out the insurance policies, but I am really pleased I did. I am fortunate that I have recovered. Others might not be so lucky, so I would hope my story can ensure that if this happens to another player, they also have the comfort of protection like I did through my insurance policies.

Lewis Dunk’s Mother

It is so important to ensure that Lewis is properly insured. Working with KWM over the years, I have found their approach to be proactive and professional and they have more than matched my expectations with good service that has served Lewis and our family very well. Thank you KWM for your ongoing support & advice.

Joe Riley

Unfortunately in July 2021 I had to retire from professional football due to a knee injury but fortunately I had my Career Ending Insurance policy in place that provided me with the funds for the next stage of my life. Working with KWM has been great for me as I am able to plan out my future. Without the insurance pay out, this would have been a lot more stressful and harder to do. I would recommend to ever single professional footballer to ensure that they have Career Ending Insurance in place

Yan Valery

KWM have always understood my needs. I signed from Southampton to Angers in France late on a Friday and had a game on Saturday. Outside of working hours, late Friday night & early Saturday morning KWM ensured that I was insured against an injury meaning I could make my debut without risk. Without this my debut was unlikely – KWMs experience & knowledge was helpful. KWM really care about you.

France

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