Workshop
Financial Literacy
Build the knowledge and confidence to protect, manage and grow your money.
This programme explores financial decisions you may face during your playing career and beyond - from securing a mortgage on a short-term contract to understanding property tax, pensions after the Lifetime Allowance and investing.
You’ll learn how to assess financial advisers and products, spot scams and understand the latest UK rules that affect your finances, helping you create a plan that fits your career and life after football.
Work through the modules at your own pace, with a mix of videos, reading and interactive activities.
Course Objectives and Target Audience
Course Content
- Incomes & Expenses
- Saving and Debt
- Interest rates
- Value of the money
- Currencies
- Savings Accounts and Deposits
- Investing: Shares, funds.
- Insurances
- FSCS protection per authorised firm, joint accounts and temporary high balances after major life events.
- Budgeting with variable income, emergency funding, offsets and notice accounts.
- Structuring personal finances with reference to bonuses, sponsorship payments and endorsement.
- How lenders view short contracts, bonuses and endorsements.
- Specialist lenders, private banks and proof of affordability.
- Managing multiple mortgages.
- Self-assessment, allowable expenses, working with agents.
- Capital Gains Tax.
- Property tax essentials.
- Understanding how to use pensions as a tax relief.
- Making tax digital.
- Rules for non-doms.
- When incorporation helps, when it does not, and IR35 implications for media and coaching engagements.
- A high-level overview of the August 2027 reforms to image rights.
- What should players look for in commercial/ endorsement agreements.
- Family Law considerations.
- Divorce.
- Pre- and post-nuptial agreements.
- Practical resolutions.
- What is a pension scheme?
- How pensions work, what types exist, how to combine, and withdrawal eligibility.
- What should you look out for?
- Football specific signpost: PFA pension scheme documentation.
- Current ISA rules, including fractional shares and multiple ISAs of the same type in a year.
- Investing in stocks and shares.
- Cryptocurrencies
- Searching for property.
- Evaluating value.
- Investment opportunity and risks.
- Buy to let.
- The buying and selling process.
- Relevant documentation.
- Taxation and legalities.
- Wills, LPAs, beneficiary nominations and insurance integration.
- Philanthropy routes and tax efficient giving.
- Estate planning.
- Football specific signposts: PFA services and independent guidance.
- Turning a business idea into a reality.
- Business strategy basics.
- Finances of starting a business.
- The legal and financial frameworks of business.
- Emotional side of investing
- The power of time
- Guardrails
Course Delivery
Course Length
The length of the course is 13 sessions.
Language
This course is delivered in English.
Schedule
3 Cohorts Per Year - October 2026, February 2027, and April 2027.
Location
Virtual sessions on the PFA Business School Virtual Campus
Each session is pre-recorded and students will need to complete each in turn each week.
Certification
Students will receive a Certificate in Financial Literacy .
Fees and Grants
The programme admission fee is £2,000 +VAT. Current and former PFA members can apply for a grant of £2,000 +VAT.
