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Insights for Athletes, Families and Entertainment Professionals.

Educational perspectives on wealth planning, investing, career transitions and financial decision-making, written to make important concepts clearer before significant decisions are made.

Educational Guides for Every Stage of a Public Career.

A small library of planning-oriented guides designed to introduce key financial considerations clearly and without pressure.

Ducat Private WealthThe Florida Family Guide to High School NILFlorida's rules, paperwork and taxes for families of high school athletes with their first NIL income, with a checklist for before you sign.Read the Guide Ducat Private WealthThe Collegiate Athlete & Family Wealth GuideFinancial considerations for collegiate athletes and families navigating new NIL or revenue-sharing income, saving, investing and building an early foundation.Read the Guide Ducat Private WealthThe Professional Athlete's Private Wealth ChecklistKey considerations for organizing earnings, investing intentionally, planning around concentrated income and preparing for career transitions.Read the Guide Ducat Private WealthThe Entertainment Professional's Private Wealth GuidePlanning considerations for artists, creators and executives navigating variable, project-based income and long-term creative value.Read the Guide

Educational perspectives on wealth planning, investing, career transitions and financial decision-making, written to make important concepts clearer before significant decisions are made.

Reading on Wealth, Income and Career Transitions.

Short, educational pieces on the financial questions that public careers tend to raise.

Financial Planning for Collegiate Athletes Receiving NIL or Revenue-Sharing Income.How new and often irregular income can be organized thoughtfully, from saving and tax awareness to building an early foundation.By Derrick Johnson · 5 min readRead the Article How Families Can Support a Collegiate Athlete's Financial Future.Ways families can offer steady, respectful support while keeping the athlete at the center of important financial decisions.By Derrick Johnson · 4 min readRead the Article Financial Planning After an Athlete's First Professional Contract.Considerations for organizing meaningful earnings, planning for liquidity and investing with a long-term horizon in mind.By Derrick Johnson · 5 min readRead the Article Preparing Financially for Life After Competition.How planning ahead for the transition can support future income, evolving goals and a confident next chapter.By Derrick Johnson · 4 min readRead the Article Wealth Planning for Entertainment Professionals With Variable Income.Approaches to cash flow, saving and investing when income is project-based, lumpy and tied to long-term creative value.By Derrick Johnson · 4 min readRead the Article Choosing a Fiduciary Financial Adviser for a Public Career.Questions worth asking, about fiduciary duty, fees and coordination with the professionals already supporting you.By Derrick Johnson · 4 min readRead the Article Filtering Money Advice From Social Media and AIA lot of money advice now comes from TikTok, YouTube, and AI chatbots. What they get right, where they go wrong, and a simple filter for deciding what to trust.By Derrick Johnson · 11 min readRead the Article Revenue Sharing vs. NIL: How the Two Paychecks WorkCollege athletes now get paid two ways: school revenue sharing and third-party NIL. How each works, the 2026-27 cap, contract terms to understand, and taxes.By Derrick Johnson · 12 min readRead the Article NIL Taxes: The Complete Guide for Athletes and ParentsNIL money comes with no tax withheld. How NIL income is taxed, the 1099 forms, self-employment tax, quarterly payments, non-cash deals, and rules for minors.By Derrick Johnson · 13 min readRead the Article Equity Compensation Explained: RSUs, Options, and Ownership StakesOffered equity instead of cash? How RSUs, stock options, and startup ownership stakes work, how they're taxed, the fine print that matters, and concentration risk.By Derrick Johnson · 12 min readRead the Article Is Your Money Actually Insured? FDIC, NCUA, SIPC, and Balances Over $250,000What FDIC, NCUA, and SIPC actually protect, how to cover balances over $250,000, the fintech app risk, and where cash is safest for athletes and high earners.By Derrick Johnson · 11 min readRead the Article The Jock Tax: Why Athletes and Performers File Taxes in a Dozen StatesAthletes and touring performers can owe tax in almost every state they work in. How the jock tax works, duty days, city taxes, Florida residency, and NIL travel.By Derrick Johnson · 12 min readRead the Article What Happens to NIL Money After the Last GameMost college athletes don't go pro, and NIL income often ends with eligibility. How to plan the transition: taxes, health coverage, savings, and life after sports.By Derrick Johnson · 12 min readRead the Article Paying Off Debt: Avalanche, Snowball, Transfers, and ConsolidationThe main ways to pay off debt compared: avalanche, snowball, balance transfers, consolidation loans, and credit counseling, with a worked example and pitfalls.By Derrick Johnson · 12 min readRead the Article Income Isn't Wealth: Why Owning Something Matters More Than Your SalaryA big salary isn't the same as wealth. Why the durable kind of wealth comes from owning assets, and how athletes and high earners can turn income into ownership.By Derrick Johnson · 12 min readRead the Article Budgeting When Your Paycheck Isn't SteadyPaid by contract, season, advance, or deal? A step-by-step budget for irregular income: find your baseline, pay yourself a salary, and plan the long gaps.By Derrick Johnson · 12 min readRead the Article NIL for Florida High School Athletes: A Parent's GuideFlorida high school athletes can earn NIL money. A parent's guide to FHSAA Bylaw 9.9: what's allowed, what's banned, school logo rules, taxes, and accounts.By Derrick Johnson · 13 min readRead the Article Your First NIL Check: What to Do With the Money, Step by StepJust got your first NIL payment? A step-by-step plan for taxes, savings, credit, and investing, plus how to handle the people and the asks that come with it.By Derrick Johnson · 12 min readRead the Article
Important

Educational information only; not individualized investment, legal, tax, athletic-representation or contract-negotiation advice. Ducat Private Wealth is not affiliated with, endorsed by, or sponsored by any university, athletic department, athletic conference, NIL collective, league, team, players' association, sports or talent agency, record label, studio, platform, entertainment company, or government agency. Ducat Private Wealth is the public brand of Joy Financial Group LLC, a Florida-registered investment adviser. Advisory services are offered only where the firm is properly registered or otherwise permitted under applicable law.

Understanding Comes Before Action.

Wealth that outlasts the game. Sports & Entertainment Private Wealth, fee-only fiduciary wealth planning and investment management for athletes, families and entertainment professionals.

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