Case Study

Case Study: PremierProfessional Footballer

Building £1.65M portfolio that's on track to achieve the passive income £60,000 per year.

Initial Financial Plan. Goals set from day one.
Initial Investment
£80K
Investment Goal Per Year
£60,000
Timeframe
8-10 Yrs
Portfolio Value
£1.65M
Client Profile

Profile & Summary

The Client

A 27-year-old professional football player looking to create a passive income for when his football career finishes. He was referred to Fourtress Group by a teammate who is an existing client.

Initial Financial Plan

Despite significant earnings, the client recognised his football career could end at any moment. Having witnessed teammates struggle financially after retirement, he wanted to create lasting financial security.

He approached Fourtress with no investment portfolio and no knowledge of property — only a clear desire to act before it was too late.

The plan was to create a property portfolio that would give an annual passive income of around £60,000. This had to be accessible in the next 8-10 years and offer the potential for strong capital growth.

Obstacles

Challenges

01
Trust Issues
Previous negative experience with a financial advisor made him sceptical. Required extensive due diligence before committing.
02
Time Constraints
Training six days a week, matches on weekends, plus international duties meant extremely limited availability.
03
Knowledge Gap
No understanding of property investment, mortgage financing, or rental markets — needed guidance from first principles.
04
Career Uncertainty
Aware that injury or loss of form could end his career at any time, creating urgency to invest wisely before it was too late.
05
Discretion Required
As a public figure, confidentiality was essential — both in how decisions were made and who was involved in the process.
06
Complex Tax Position
High earnings meant complex tax considerations that needed specialist knowledge to structure investment correctly.
Strategy

Solutions

Every client journey at Fourtress is guided by our proven 4-pillar framework — a structured process designed to deliver clarity, confidence, and consistent results.

01
Foresight

We initially set goals on the amount of passive income our client wanted to achieve when his football career finished and showed him how this was possible.

Applied here: A portfolio had to be built quickly which meant buying multiple properties simultaneously. This allowed the time required to build equity levels, whilst lowering the loan to value on their portfolio.
02
Organisation

We handle all the complexity — sourcing, due diligence, financing, legal, and management — so you don't have to. Everything is structured for maximum efficiency and tax optimisation.

Applied here: We took care of every aspect of the plan from setting up a company for our client, right through from initial negotiations to managing the properties post purchase.
03
Reporting

Kept informed at every stage with clear, jargon-free reporting. Regular portfolio reviews ensure your strategy adapts as your life and market conditions evolve.

Applied here: Monthly reporting throughout and Strategic refinancing triggered at the 3-year mark.
04
Outcome

The culmination of our process: a fully optimised portfolio generating the passive income and long-term wealth he set out to achieve — with complete peace of mind.

Applied here: The client is now 31 years old and four years into his Fourtress Plan with 14 properties.
Outcomes

The Results

The client is now 31 years old and four years into his Fourtress Plan. He and his wife own 14 properties which all achieve a high level of rental income.

Current Portfolio Value
£1.65M
Properties Owned
14
Yearly Passive Income (Net) *on track to achieve
£60,000
“We know first-hand that in professional sport it’s daunting to look beyond your playing days. We took the fear of the unknown away by creating & actioning an attainable financial plan for our client, which gave him the confidence that his family’s finances are in trusted hands.”

— Dave Edwards – Fourtress Group

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