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Speaker 1: Stats.

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Speaker 2: Let's talk about stats.

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Speaker 1: Then, Credal and his team of former players and eightsiders

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give you the latest stats, data and analytics that are

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trending in the world of Cougar Sports stats. Welcome back

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Cougar Sports.

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Speaker 3: One of three nine ninety eight point three ESPN The

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ban I've been crital broadcasting from the road Home the

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road Home dot org.

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Speaker 1: Tis the season to be giving.

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Speaker 3: Because we haven't given much, we too must give and

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right now, families and children across Utah are facing homelessness

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for the first time. The road Home is there as

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a last resort helping people stay safe and find permanent housing.

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Last year, the road Home served over eight thousand people,

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including two thousand children, and ninety percent of those placed

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in housing remain housed. So you can make a difference today, guys,

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donate online at the road Home dot org. Call eight

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eight one nine seventy three hundred, or give me a

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VENMO or PayPal at the road Home the road Home

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dot org.

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Speaker 1: We're gonna talk stats in this segment. We're gonna welcome

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in our.

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Speaker 3: Tax mort wealth advisor or a certified financial Planner NFLPA

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Certified Financial Planner Blaine Anderson and this segments brought to

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you by Banterwealth bantererwelth dot com. Get on that free

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Q and A no obligation to invest Q and A

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with our tax smart wealth advisors. Today, let's talk stats

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with Blaine Anderson. Blaine, how the heck are you?

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Speaker 2: I'm doing great. Merry Christmas, Ben.

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Speaker 3: Merry Christmas, Happy holidays. Appreciate you joining us. I have

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a question for you. I know, we we we We're

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gonna go into a number of different topics here today,

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but I've been evaluating recently the Puka Nakua situation. Right,

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Pooka's balling out last night. He had himself a night.

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Puka Nakua is arguably the best wide receiver in the NFL.

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The crazy thing about this, Okay, he is on his

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rookie deal. It's a four year deal worth four point

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one million dollars with the Los Angeles Rams. I think

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you probably know a little bit about California and how

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they tax you know, people and uh, you know the

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income tax, Etceterably, half of that is going to to

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federal in state Texas. So he's maybe taken home, what

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four hundred and eighty thousand something like that. What would

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you guess to make there after all the taxes that

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he's having to pay.

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Speaker 2: Yeah, I wouldn't be surprised at all. He's at least

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thirty seven percent marginal bracket, and then the state of

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California is another ten percent. So yeah, he's probably seeing

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net about half of that.

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Speaker 3: Okay, so we see in half half of that. So

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it begs the question. He was a fifth rounder at

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a brig up fifth round pick, one hundred and seventy

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seventh overall. Obviously he never saw the practice squad. The

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practice squad players make like two forty, right, and sometimes

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they may be called up to the fifty three man.

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They'll get a little pay raise, but their minimum is

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essentially to forty. It begs the question, do you take

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a rookie minimum contract?

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Speaker 1: Say, for instance L. J.

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Speaker 3: Martin, he's a fifth sixth seventh rounder, Say he doesn't

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get a grade A Day two draft rade, and so

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that puts them probably in that bracket of these these

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rookie deals that are a million dollars a year roughly. Okay,

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depending on where you're drafted, right, it's gonna determine how

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much tax you're gonna pay. These are things you've discussed

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with some of the players that you represent, the people

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that you represent. Is it better than to stay in

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college represent.

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Speaker 1: A place like BYU.

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Speaker 3: Let's say you make I don't know, seven hundred and

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fifty k, or let's say you make a million, but

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you're a W nine for that year as an independent

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Contractor what's the better thing to do. Is it to

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take that rookie minimum contract you're and take the chance

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of where you're getting drafted and the taxes that are

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associated with that, or do you take a seven hundred

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and fifty k W nine or one hundred of one

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million dollar W nine instead?

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Speaker 1: What would you say?

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Speaker 2: Yeah, well, I think more than ever this is a

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complicated decision and even something worth debate. Years ago, of

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course it wasn't even a question. But like for example,

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talking to LJ when he was on the show and

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joined me for one of these segments recently, he talked

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about it being a dream of his going to the NFL.

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I can understand that it's tough to place the value

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on it, but if you get down to just the numbers,

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being a big fish in a small pond, and I

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know BYU feels like a big pond to us that

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are here local, but in the grand scheme of things,

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it's a small pond, and a player like LJ is

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a big fish. And now where they could make the

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kind of money that they can and do at seven

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hundred and fifty thousand dollars range versus going to the

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NFL and have making a couple hundred thousand. But if

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you go to a state like California or Massachusetts, New York,

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you're going to pay a lot in state taxes. Now Florida, Arizona, Nevada,

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some of these other states where there's not a state

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income tax might make a difference. But the bottom line

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is I would say, unless you're a first or second

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round pick, I would be tempted to play and stay

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my senior year. And I think hopefully that does keep

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guys like LJ. Martin if they can put off going

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after their goal, which was the pleatly professional. From a

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number standpoint, I think a great argument can be made

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that third round and below staying enjoying some of the

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benefits of nil from the dollar standpoint, make a lot

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of sense. The only thing I would throw out that

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maybe the NFL guys have even more than the college guys,

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could be more of the endorsements and some of the

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brand deals and the other things that they do. I mean,

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we do see Pooka doing a lot with Little Caesars,

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for one. I know I've seen him on some other commercials.

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I bet he's making more there than he is even

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with his NFL contracts.

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Speaker 3: No, that's intriguing, But you have to be a Pukah, right,

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I mean, he's that's right, you know what I mean.

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You have to become a Pooka by year three on

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that rookie contract. You got to be balling out. You

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have to be one of the premier players either in

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the market you're in, right, You're gonna get market deals,

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right if you're in LA. I mean that helps him, right,

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because he's a because he's in a big market. You

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go to a smaller market you made, you're gonna have

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to go local deals rather than maybe national deals. So

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that's an of intrigue, Like when when does it benefit?

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What's the threshold? Right do you think Let's say a

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practice squad guy. Okay, say a guy has an eligibility

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left and he could come back and make you know,

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five hundred thousand as an independent contractor, or even two

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hundred let's say it's two hundred and fifty thousand as

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an IC or. He goes to the NFL and he's

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probably a practice squad guy making that same rate, but

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he's having to pay taxes on it immediately. What's the

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better route there if you're kind of that practice squad guy,

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but you can make you know two hundred thousand or

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so in college football?

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Speaker 2: Yeah, Well, as an NFLPA advisor, we we've done a

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number of webinars, and especially around the combine and the

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rookie camps, we were involved in a number of trainings

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around the rookie contracts, the practice squad contracts. And I'll

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tell you, based on what I saw, I would rather

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be a big fish in a small pond to have

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a senior year at a college with the opportunity to

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participate in revenue share in NIL. Then I would practice

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squad NFL guy.

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Speaker 1: Yeah, yeah, I'm right there.

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Speaker 3: And you can take an insurance contract out right, So

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if you're coming back, you're going to get an insurance

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type of policy to protect.

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Speaker 1: Your right if you do get injured that final season.

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Speaker 2: Correct, absolutely absolutely, and a lot of guys do that

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they're expensive, but that does give a little bit of protection.

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I think a lot of it is something I'll remember

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that LJ said, and that was just that playing in

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the NFL was part of his dream and I'm sure

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that's a big factor with it all. But if you

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have some of that perspective and you know your outcome

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or at least where you're at. You mentioned some of

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these NFL guys that may have a year of eligibility

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that to me, I would rather take a year of

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college and now with the opportunity to earn money. It's

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a whole different landscape and a whole different decision.

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Speaker 3: So as a as, like, let's say i'm a I'm

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a student athlete here, I'm an athlete student with a

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I create an LLC. I'm gonna have a million dollars

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coming in this year with my deal.

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Speaker 1: You meet with CPAs all the time.

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Speaker 3: And you you have these these forums where you're you're

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representing your client and they have their CPA there. What

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are some of the tax mart WELP things that you

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can do in that year to maybe offset some of

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your tax exposure. If you're bringing in seven hundred and

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fifty to a million dollars and fifty thousand to a

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million dollars in a year.

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Speaker 2: Yeah, Well, like you mentioned, when you have an LLC

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or a business entity set up, we'll go and set

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up a retirement plan with that business entity, and especially

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if you have very employees, we even set up pension plans.

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They're called defined benefit plans or cash balance plans. They're

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way more advanced and way more opportunity than like a

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four to h one K. But that's a way to

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put a lot of that money that you received now

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into a tax deductible, tax deferred account and an investment account.

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We do other types of investments we've talked about, whether

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they be oil and gas or even in real estate.

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Start creating passive income. So having that business LLC or

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entity having a ten ninety nine income put in together

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a tax smart wealth strategy, especially where that income's going

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to flow. It's going to be heavy in some years,

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maybe not others. There's some wonderful planning that can be done.

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We even put together a playbook for business owners for

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ten ninety nine high income earners, and it's part of

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our tax Smart playbook, and it's one specifically for business owners.

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There's a lot you can do with that type of

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setup and arrangement.

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Speaker 1: Yeah. Now, great insight there.

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Speaker 3: Blaine Anderson Financial Advisor, tax our Wealth Advisor here on

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your Utah ESPN.

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Speaker 1: Ready to network.

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Speaker 3: There's a lot of players in college football right now

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going through this process and trying to figure out what

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the best route is for them.

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Speaker 1: A couple other things there.

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Speaker 3: New year is on the rise of some entrepreneurs will

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want to think about strategically, you know, their income flow,

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when and how they take income from their businesses in

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the coming year to stay as tax efficient without maybe

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limiting growth. Can you share a few insights, maybe a

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few strategies around income flow that they might consider right now.

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Speaker 2: Yeah. Just in the call prior to us stopping on today,

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I was talking to an investor out of Colorado. We

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had done a tax observations analysis for him and realized

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that he had about eighty thousand dollars of realize capital

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gains that he could still play with before the end

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of the year. So he's looked at his portfolio, figured

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out where we could sell some investments, free up some

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cash flow, keep them in a fifteen percent law term

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capital gains bracket, not push him over the net investment tax,

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which is an additional, unnecessary three point eight percent, and

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keep him out of the short term bracket. So what

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we were able to do is free up eighty thousand

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dollars in cash, save him ten percent on these transactions

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in the sale. And that was just by some planning

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and doing a tax observations and analysis. For many of

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our business owners, we tell them, hey, let's pay some

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of these costs that we know you're going to have

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in January now, and let's take some of that income

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that we know is coming in January and push it

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off to next year. It's a little bit about timing

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and management, and yes, we may run into similar situations

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next year. But I just had a meeting with an

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accountant this week and I heard him say something to

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his client that I really liked, and he said, paying

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taxes later is always better than doing it now. That

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was something that came from him, and that's part of

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the deferral strategy and some of the timing that we

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help them implement with clients at the end of the year.

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Speaker 3: Love that great breakdown and Blaine always appreciate our time together.

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Speaker 1: Always love talking stats with you.

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Speaker 3: For those that are wanted to maybe hop on a

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feet free Q and a no LO the caase doing

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best Q and A at the end of the year.

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Speaker 1: What's the best way to go about doing that.

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Speaker 2: Yeah, on our website on the contact us, we have

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a section where you can request a copy of our

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tax Smart Playbook and that'll give you some ideas. I

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actually was just with on a call earlier this week

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with a caller that had got a copy of our

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playbook and cited three or four strategies that he wasn't

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aware of. He scheduled a call. I met with him yesterday.

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We're going to hop on again early next week. I'm

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going to do a tax observations analysis for him so

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he can get some ideas at the end of the year.

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But the call really is meant to be about you,

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as as a client or as a listener, understand a

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few things that are happening in your personal world, and

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then give you maybe some blind spots or some options

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and strategies. But you can schedule that call with one

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of the members of our advisory team, a certified incial planner,

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and you can do so at Vanderwealth dot Com. We've

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got some good options and have really enjoyed our conversations

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with listeners.

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Speaker 1: Thank you, appreciate you.

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Speaker 3: Blaine Anderson Bantererwealth Banterwealth dot Com. We'll catch up with

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you again soon. Ladies and gentlemen, are live from the

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Road Home. Tis the season to be giving, and those

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that are in most need along the watch that's front

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are here at the road Home. Last year, the Road

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Home server eight thousand people, including two thousand children. Ninety

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percent of those placed in housing, they remain house.

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Speaker 1: So call them.

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Speaker 3: Uh and if you have the ability, please give eight

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one eight one nine seventy three hundred. That's eight one,

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eight one nine seventy three hundred. That's the road Home

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dot Org. Let's come back question Poll Today coming up

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next as well as Band of Today.

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Speaker 1: Uh, what would you do? Ronnie?

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Speaker 3: You know you gonna you would you take that fifth

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sixth seventh round spot with a you know, a four year,

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four point one million dollars a rookie deal. I think

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that's what Lj's up against right now. He probably is

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gonna be a fifty three man roster guy fifth sixth

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seventh round. He's gonna be on that traditional rookie deal

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because he's not gonna be.

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Speaker 1: A day to guy.

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Speaker 3: He could make anywhere from seven hundred and fifty to

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If he went into the portal, he'd probably get more

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than that. He'd probably hit one point five million on

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the free market. It's probably gonna be somewhere in between there.

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What do you do and why? We'll discuss it on

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the flip. This is Cougar Sports on one oh three

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nine ninety eight point three ESPN