Wealth Management for Musicians, Athletes & Entertainers in Nashville
Built on Music Row, Infinitus Wealth Management serves musicians, athletes, and entertainers whose success often arrives through defining moments — a breakthrough season, a major contract, a tour, a sale, or a career-changing opportunity. We help turn those moments into lasting generational wealth, with personalized investment management designed to support the decades beyond the spotlight.
Portfolio management led by Erik James Roberts, MBA — Founder & Chief Investment Officer, Infinitus Wealth Management. Wharton MBA · U.S. Army veteran (101st Airborne) · Purple Heart recipient.
• Fiduciary • Custom Portfolios • Active Management • Investment Focused
⎯ A Different Financial Life
Wealth Management for Musicians & Performers Whose Income Comes in Waves
A great career in music or sport can produce a lifetime of income in just a few years. The hard part isn't earning it — it's making peak earnings last for the decades that follow, when the touring slows, the contract ends, or the next deal doesn't come.
For musicians, recording artists, athletes, and entertainers, the financial challenge is structural. Income is irregular and front-loaded, often concentrated in a single tour, contract, royalty stream, or brand deal. Taxes get complicated across multiple states. And the earning window is frequently far shorter than the life it has to support.
Effective wealth management for musicians and athletes starts by accepting that reality, not fighting it: smoothing volatile income, reserving for taxes before lifestyle, managing concentration, and converting peak years into an invested foundation that keeps working long after the income slows.
At Infinitus, we build that foundation from individual stocks and bonds, manage it actively, and coordinate with your existing team — agent, manager, business manager, and CPA — inside a fee-only fiduciary relationship.
⎯ What Makes It Different
Six Realities of a Performer's or Athlete's Finances
These are the forces that make managing an entertainer's or athlete's wealth a fundamentally different job than managing a steady salary. We build every portfolio against them.
⎯ Our Approach
Built to Outlast the Spotlight
The goal is simple to state and hard to execute: take income that arrives in unpredictable waves and turn it into capital that produces stability for life. That requires discipline during the good years, not the lean ones.
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Reserve for taxes before lifestyle, coordinated with your CPA
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Smooth volatile income into a stable, planned drawdown
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Build a diversified base from individual stocks and bonds
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Manage concentration and, where appropriate, hedge with options
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Plan for the career to be shorter than anyone hopes
⎯ For Musicians & Recording Artists
Wealth Management for Musicians
From streaming and performance royalties to touring cash flow, recoupable advances, and catalog sales, the financial life of a working musician follows none of the usual rules. Managing it well starts with understanding how the money actually moves.
A musician's income is rarely one thing. It's a patchwork of royalty streams, live performance income, advances, merchandise, and sometimes a catalog worth more than any single year of earnings — each with its own timing, tax treatment, and reliability.
Royalties are the clearest example. Streaming, mechanical, and performance royalties can provide recurring income for years, but they're variable and often misunderstood as guaranteed. A catalog, meanwhile, is a genuine financial asset — and selling it can produce a seven- or eight-figure liquidity event that lands all at once, with all the sudden-wealth and tax complexity that implies. We treat royalty income and intellectual property as part of the portfolio, not separate from it, and plan around their variability rather than assuming it away.
Touring is the other half of the picture, and it's deceptively expensive. Gross touring revenue and what an artist actually keeps after crew, production, and travel are very different numbers, and playing across states and countries creates multi-state filings and foreign withholding most musicians never see coming. Advances add another trap: they feel like a windfall but are typically recoupable, meaning the money has to be earned back before real income begins.
Our job is to convert all of that into something stable. We reserve for taxes before lifestyle, smooth volatile income into a planned drawdown, and build a diversified base from individual stocks and bonds that keeps working when the touring slows and the next record is uncertain. Concentration — one catalog, one brand, one income source carrying everything — is managed deliberately, and we coordinate with your business manager and CPA so nothing falls through the cracks.
How we help musicians
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Build a custom investment portfolio
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Plan around variable royalty, streaming, and performance income
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Treat catalog and music IP as assets within the broader portfolio
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Handle catalog-sale windfalls without losing them to taxes or lifestyle
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Reserve for multi-state and touring taxes, coordinated with your CPA
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Build a diversified base from individual stocks and bonds
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Manage concentration when one source carries the income
Articles & Guides for Musicians
In-depth pieces on the financial decisions that matter most for working and recording artists.
For Musicians
Turning Creative Success Into Enduring Financial Capital
A well-constructed portfolio creates options, preserves your independence, and supports the life you want to live-on your terms.
Read the article →
For Musicians
What to Do With an Advance or Catalog Sale
A framework for deploying a large, one-time music payday without losing it to taxes or lifestyle.
For Musicians
Royalties & Music IP as a Financial Asset
How recurring royalty streams and intellectual property fit into a diversified portfolio.
⎯ For Professional Athletes
Wealth Management for Athletes
Short careers, large early checks, and the constant possibility that one injury ends it all make an athlete's financial window unforgiving. The right plan treats the playing years as the funding source for the fifty years that follow them.
Most professional athletes earn the majority of their lifetime income in a handful of years — then have to make it last for a lifetime. That single fact should shape every financial decision from the first paycheck forward.
The numbers are sobering. The average professional career lasts only a few years, much shorter than most fans assume, and a serious injury can end it without warning. Contracts blur the picture further: guaranteed and non-guaranteed money are very different things, and a large signing bonus can create the illusion of permanent wealth when it's really meant to fund decades. The athletes who get this right build their financial life around the career being shorter than they hope — not longer.
Sudden wealth at a young age compounds the challenge. A significant check often arrives in an athlete's early twenties, before anyone has taught them how to manage it, and the pressure — from family, friends, advisors, and the lifestyle expectations that come with visibility — is relentless. Endorsement and brand income, while valuable, frequently concentrate even more of an athlete's net worth in a single deal or relationship that can disappear as quickly as it appeared.
We manage all of it toward one goal: turning the playing years into capital that produces stability for life. That means reserving for taxes first, establishing real liquidity, avoiding overconcentration, and building a diversified portfolio from individual stocks and bonds designed for the post-career decades that are the portfolio's real purpose. We coordinate with your agent, business manager, and CPA so the strategy reinforces the rest of your team rather than working against it.
How we help athletes
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Helping athletes transform career-defining earnings into lasting financial security, family stability, and generational wealth
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Deploy signing bonuses and sudden wealth deliberately, not reactively
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Reserve for taxes and build liquidity before lifestyle
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Build a custom investment portfolio
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Manage concentration from contracts and endorsement deals
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Coordinate with your agent, business manager, and CPA
Articles & Guides for Athletes
In-depth pieces on turning a short, high-earning career into lasting wealth.
For Athletes
How to Build a Dynasty Beyond Your Playing Career
Your athletic career is finite. The wealth you build from it doesn't have to be. Here's the investment playbook no one hands you.
Read the article →
For Athletes
What to Do With a Signing Bonus: A Pro Athlete’s Guide to Taxes, Liquidity, and Building Wealth
Reserving for taxes, building liquidity, and investing a windfall the right way.
For Athletes
The athlete's first contract financial checklist
What to do before, during, and after the first major payday.
⎯ For College Athletes
College Athletes & NIL: Building Wealth Before the Money Disappears
Name, Image, and Likeness changed everything. For the first time, college athletes can earn real money — sometimes life-changing money — at eighteen, nineteen, twenty. The opportunity is enormous. So is the risk of getting it wrong.
NIL income arrives at the exact moment a young athlete has the least financial experience and the most pressure on them. Managed well, even modest NIL earnings can become a foundation that compounds for decades. Managed poorly, it disappears into taxes, lifestyle, and people with their hands out.
The first surprise is almost always taxes. NIL income is generally treated as self-employment income reported on a 1099 — which means nothing is withheld, quarterly estimated payments may be required, and self-employment tax can apply on top of regular income tax. An athlete who earns a six-figure NIL year and spends it can be left owing taxes they no longer have the cash to pay. Multi-state activity and collectives only add complexity. This is general education, not tax advice — and it's exactly why every NIL athlete needs a qualified CPA, whom we coordinate with directly.
The second challenge is sudden wealth at a young age. A large deal can arrive before anyone has taught these athletes how to manage it, and the pressure — from family, friends, agents, and the lifestyle expectations of being known — is intense. The athletes who build lasting wealth are the ones who put structure in place early: reserve for taxes first, keep lifestyle modest relative to the windfall, and invest the rest before it can be spent.
That early investing is the real advantage. A nineteen-year-old who invests NIL income has something almost no one else does — decades of compounding ahead of them. The discipline of building an invested base now, rather than spending and hoping for a pro contract later, is what separates NIL athletes who build durable wealth from those who don't. In my experience, the habits set in these first earning years tend to define the entire financial life that follows.
How we help NIL athletes
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Build an early investment foundation with a custom investment portfolio
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Establish liquidity and a simple, disciplined spending structure
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Coordinate with a CPA so taxes are reserved and estimated payments aren't missed
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Manage concentration when one brand deal dominates income
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Educate the athlete directly, so the knowledge lasts beyond the money
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Plan for NIL to be the start — not the guarantee of a pro career
NIL Articles & Guides
In-depth guides on NIL taxes, building wealth from NIL income, and the financial decisions that matter most for college athletes.
NIL GUIDE
NIL Taxes Explained for College Athletes
1099 income, self-employment tax, and quarterly estimates — what every NIL athlete needs to understand.
Read the article →
NIL GUIDE
How College Athletes Can Build Wealth From NIL
Turning early NIL earnings into a long-term investment foundation that compounds.
NIL GUIDE
NIL Money Mistakes to Avoid
The avoidable errors — from tax surprises to lifestyle creep — that cost athletes their windfall.
⎯ Local Roots, National Reach
Nashville-Based, Serving Musicians, Athletes, and Entertainers Nationwide
Our office sits on Music Row — the center of Nashville's music industry — and we work with musicians, athletes, and entertainers across the city and throughout the country. Few places concentrate creative and athletic talent the way Nashville does, and few financial lives demand the kind of active, hands-on management that talent requires.
Whether you're a touring musician, a professional athlete, an entertainer, or a college athlete navigating your first NIL deals, the conversation starts the same way: directly, and on your terms.
⎯ Getting Started
From First Call to Fully Invested.
01
Discovery Call
A no-pressure conversation about your goals, holdings, and what you want your wealth to do — by phone, video, or in person.
02
Strategy Review
We review your holdings, goals, and risk profile, then share observations on how your portfolio is positioned and where a tailored approach may help.
03
Onboarding
A fully digital onboarding — accounts opened and transfers authorized with a few e-signatures, most holdings moving over exactly as they are.
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Active Management
We build and manage your portfolio — with ongoing research, tax-aware adjustments, and regular portfolio reviews as markets and your life evolve.
Already working with an advisor? We initiate the transfer with your former firm for you — no awkward phone call on your end — and most accounts move in-kind, exactly as they are. See how switching works →
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Investment-Focused Wealth Management
Confidential discussion
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⎯ Transparent, Fee-Only
Fees
We accept zero commissions and act as a fiduciary — mandated by law and ethically bound to put our clients’ interests first. Our fee is based on assets under management, so we do well when you do well.
No Performance Fees
We charge no performance fees. Our simple and straightforward Assets Under Management fee allows our advisors to focus on achieving our clients' goals.
No Commissions
We charge no commissions on buying and selling investments, so our interests are completely aligned as we grow and protect your accounts.
No Financial Planning Costs
A complimentary and comprehensive financial plan is available to all clients of Infinitus Wealth Management.
⎯ Frequently Asked Questions
Wealth Management for Musicians & Athletes — Common Questions
How should musicians manage irregular income? Irregular income is best managed by separating the earning from the spending — smoothing volatile tour, royalty, and advance income into a stable plan, reserving for taxes before lifestyle, and converting peak years into an invested base that can support the long stretches when income is lower. We build that base from individual stocks and bonds, managed actively and coordinated with your tax team.
What should athletes do with a signing bonus or sudden wealth? Deploy it deliberately, not reactively. The priorities are reserving for taxes, establishing liquidity, avoiding overconcentration, and building a diversified portfolio designed to last far longer than a playing career. Because careers are short and uncertain, the portfolio should be engineered for the decades after the income stops, not just the years it arrives.
How is NIL income taxed for college athletes? NIL income is generally treated as self-employment income reported on a 1099 — meaning no taxes are withheld, quarterly estimated payments may be required, and self-employment tax can apply. Multi-state activity adds complexity. This is general education, not tax advice; every NIL athlete should work with a qualified CPA, and Infinitus coordinates with that professional.
When should a college athlete start investing NIL money? After taxes are reserved and basic liquidity is in place, investing early is one of the most powerful advantages a young athlete has — decades of compounding can turn even modest NIL earnings into a meaningful foundation. The discipline of investing before the money is spent, rather than after it's gone, is what separates lasting NIL wealth from a short-lived windfall.
Why use individual stocks and bonds for entertainers and athletes? Owning individual securities gives direct control over tax-lot management, income timing, and risk calibration — which matters when income is lumpy and concentration is common. Infinitus builds custom portfolios from individual stocks and bonds rather than mutual funds, and rarely uses ETFs, so the portfolio can be tailored to an unpredictable earning pattern.
Do you coordinate with my agent, manager, business manager, and CPA? Yes. Infinitus is an investment-first firm and works alongside your existing team so the investment strategy reinforces the rest of your financial life rather than operating in isolation. We focus on managing the portfolio; we do not provide legal or tax advice.
What does Infinitus Wealth Management charge? Infinitus is a fee-only fiduciary and charges asset-based advisory fees beginning at 1.00% on portfolios under $1 million and scaling down toward 0.80% at $10 million and above. There are no commissions and no performance fees.
Who We Serve
Investment Management for Individuals, Families, & Institutions
⎯ Explore Further
Related Strategies & Reading
Disclosure: Infinitus Wealth Management is a registered investment adviser. Registration does not imply a certain level of skill or training. All investments involve risk, including the potential loss of principal. No investment strategy can guarantee returns or eliminate risk, and past performance is not indicative of future results. Advisory services are offered only pursuant to a written advisory agreement.