Helping High School & College Athletes Turn NIL Income Into Generational Wealth
NIL income is more than a check. It creates real financial, tax, business, and wealth-building responsibilities.
NIL Elite Wealth Program™ helps athletes and families manage, protect, and grow NIL income through tax strategy, bookkeeping, business structure, cash flow planning, financial education, and Personal CFO support.
Complete Your NIL Intake FormTakes a few minutes. Followed by a complimentary 30-minute NIL Financial Game Plan call.
Many Athletes Are Getting Paid Before They Are Financially Prepared
High school and college athletes are earning real money through brand deals, appearances, social media campaigns, merchandise, camps, sponsorships, and other NIL opportunities.
But many athletes and families are receiving NIL income without a clear plan for taxes, saving, spending, business structure, bookkeeping, or long-term wealth.
Without a financial system, NIL income can create:
- Unexpected tax bills
- Overspending after the first major payment
- Missed deductions
- Poor recordkeeping
- Mixed personal and business money
- Confusion around LLCs and business banking
If You Received a $100,000 NIL Check Tomorrow, Would You Know What To Do With It?
Most athletes do not have clear answers. That is why we created the NIL Elite Wealth Program™.
Introducing the NIL Elite Wealth Program™
From First NIL Check to Long-Term Wealth
The NIL Elite Wealth Program™ by Exquisite Consulting Services is a financial management and education program designed specifically for high school and college athletes earning NIL income.
Most financial professionals only see the athlete at tax time. Our goal is to build the financial system behind the athlete.
We help athletes:
- Understand and manage NIL income
- Stay tax compliant
- Prepare for estimated tax payments
- Track income and expenses
- Set up appropriate business systems
- Understand cash flow
- Build long-term financial protection strategies
- Prepare for professional sports or life after athletics
A Six-Step Roadmap From First NIL Check to Long-Term Wealth
Financial Game Plan
NIL income review, income projections, tax estimates, spending analysis, goal setting, cash flow review, and financial planning discussion.
Tax Strategy
Estimated tax guidance, deduction planning, tax preparation, tax reserve planning, and proactive compliance support.
Business Setup
LLC support, EIN setup, business banking guidance, operating agreement coordination, and entity structure planning.
Money Management
Income tracking, expense tracking, bookkeeping, cash flow reporting, financial reports, budget reviews, and disclosure-ready NIL deal records.
Wealth Building
Long-term savings education, retirement planning education, investment advisor coordination, insurance coordination, and family wealth planning.
Asset Protection
Asset protection education, trust and estate planning coordination, insurance coordination, risk planning, and connection with properly licensed professionals when specialized services are required.
Your Family Stays Involved Every Step of the Way
When the athlete is still in high school, NIL money is a family decision. We work alongside parents and guardians, not around them.
- Parents and guardians are invited to every planning meeting
- Clear, plain-English reporting on income, taxes, and savings
- Guidance on tax filing requirements for student athletes
- Help keeping NIL money separate and organized from day one
- High school NIL rules vary by state. We recommend confirming eligibility with your state athletic association before signing any deal.
Built For Athletes, Families, and NIL Partners
Athletes
Understand taxes, spending, saving, business structure, and long-term financial decisions.
Parents & Families
Receive education, reporting, and financial clarity to help support smarter decisions.
Agents & Advisors
Coordinate around taxes, bookkeeping, entity structure, and financial organization.
NIL Organizations
Give athletes access to financial education and an ongoing financial management resource.
Represent a collective, school, team, or agency? We offer group financial education workshops and athlete referral partnerships.
Partner With UsChoose the Level of Support Based on NIL Income and Complexity
Pricing is based on NIL income, number of payment sources, and complexity. Your recommended level and pricing are reviewed on your complimentary Game Plan call.
NIL Starter
For athletes beginning to earn NIL income and needing foundational tax and financial guidance.
- Tax planning
- Tax return preparation
- Estimated tax guidance
- Annual strategy session
- Financial education
- Email support
NIL Pro
For athletes earning consistent NIL income or managing multiple payments and brand relationships.
- Everything in Starter
- Monthly bookkeeping
- Financial reports
- Quarterly strategy meetings
- Business compliance support
- Personal CFO guidance
NIL Elite
For high-earning athletes, athletes with multiple endorsement relationships, or families needing advanced financial coordination.
- Dedicated CFO-style support
- Advanced tax planning
- Family financial meetings
- Trust and wealth advisor coordination
- Asset protection coordination
- Priority support
NIL Financial Blueprint Review
After your complimentary call, athletes who need a deeper financial review may qualify for our NIL Financial Blueprint Review.
This personalized review gives athletes and families a clearer picture of NIL income, tax exposure, business structure, expenses, savings needs, financial risks, and next steps.
Start With the Intake FormReview Includes:
- NIL income review
- Tax exposure estimate
- Entity structure review
- Deduction and expense review
- Cash flow review
- Savings recommendations
- Asset protection considerations
- Next-step financial roadmap
Tiffany Flowers
Founder & CEO, Exquisite Consulting Services
For 20 years, Tiffany Flowers has helped individuals, families, and business owners with tax strategy, accounting, business structure, and financial advisory.
She created the NIL Elite Wealth Program™ after seeing young athletes receive real money with no system behind it: no tax plan, no records, and no guidance on what comes next. The program brings the same strategic, year-round approach ECS gives business owners to athletes and their families. ECS is an approved service provider on the NCAA NIL Assist Registry.
"Your talent created the opportunity. Your financial strategy protects it."
NIL Money Questions, Answered
Is NIL income taxable?
Yes. NIL income is generally taxable, whether it comes as cash, products, or other compensation, and whether or not you receive a tax form for it. Most NIL athletes are treated as self-employed, which means income tax plus self-employment tax, and no taxes are withheld from your payments.
Does a high school athlete have to file a tax return?
Often, yes. A student who is claimed as a dependent may still need to file, especially when they have self-employment income. We review each athlete's situation and make sure filing requirements are met.
How much should I set aside for taxes?
It depends on your total income, your state, and your deductible expenses. On your Game Plan call we estimate your tax exposure and set a savings percentage so there are no surprises in April.
Do I need an LLC?
Not always. An LLC can make sense once NIL income becomes consistent or significant, but it adds costs and filing requirements. We review your income and deals before recommending any entity structure.
Can NIL income affect financial aid?
It can. NIL income is reported as student income and may affect need-based financial aid calculations. We help families understand how NIL income fits into their overall financial picture.
Do you help with NCAA NIL Assist and school disclosures?
Yes. ECS is an approved service provider on the NCAA NIL Assist Registry, so athletes and schools can find us directly on the platform. College athletes are generally required to disclose qualifying NIL deals to their school, often through NCAA NIL Assist or a school-approved platform. We keep your contracts, payment records, and income organized so your disclosures are accurate and on time, and your numbers match what you report at tax time. The disclosure itself is submitted by the athlete through the school's compliance process.
Do you negotiate NIL deals or act as an agent?
No. We are not athlete agents and do not negotiate deals. We work alongside your agent, family, or collective to handle the financial side: taxes, bookkeeping, business structure, and planning.
What happens on the complimentary Game Plan call?
We review your intake form, your current NIL income, and your biggest concerns. You leave with clear next steps and a recommendation for which level of support fits your situation. Parents and guardians are welcome to join.
Complete Your NIL Intake Form
Your talent created the opportunity. Your financial strategy protects it.
Complete the intake form below first. After submitting, you will be directed to schedule your complimentary 30-minute NIL Financial Game Plan.
Complete My NIL Intake Form