Jason Bayuk, Financial Planner

Shared insights with Moneywise reporter Victoria Vesovski on a topic I see every day in my work with professional athletes: the financial strain that comes with inconsistent or start and stop income.

As I shared in the article, uneven income doesn’t prevent you from building wealth — but it does require more planning and discipline than a traditional paycheck. The real challenge isn’t the size or timing of the money; it’s having a plan that lasts longer than the medal ceremony.

For athletes navigating irregular income, I focus on four core strategies:

💧 Build a liquidity fund to cover unexpected expenses without relying on high interest debt.
📊 Create a budget that aligns monthly obligations with unpredictable earnings.
🛡️ Prioritize insurance — health, disability, and life — to protect income if injury or illness sidelines a career.
🏁 Plan for the future, because most athletic careers don’t generate lifetime sustaining income.

These principles help athletes protect their present and strengthen their long term financial stability.

https://bit.ly/4r2q2mE

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Grateful for the opportunity to speak again at AfroTech 2025 last week! 🎤

I shared my framework for building a personalized financial plan that bridges the gap between where you are today and where you want to be tomorrow, designed to help you take control of your financial future with clarity and confidence, addressing both immediate needs and long-term aspirations.

The energy of 30,000 attendees coming together to learn, connect, and grow was truly inspiring. Thank you to MassMutual for making this experience possible, and a special shoutout to Florenz and his team for putting this together. Thank you to everyone who attended and engaged with the content, and to my fellow speakers who shared invaluable knowledge and made such a powerful impact throughout the conference.

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🎉 Excited to share that I was featured in Forbes discussing strategies for saving for retirement after 50!
The article explores practical approaches for those who may be starting their retirement planning later in life - and there's still plenty of time to build a secure financial future. https://bit.ly/3GR4APG


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Over 50 With No Retirement Savings? Here’s What To Do Now Preparing for retirement in your 50s? It’s not too late. Learn smart strategies to catch up, protect your future and build a retirement plan with confidence.

Big news! We’ve launched a brand-new website designed to reflect who we are and how we serve our clients.
From comprehensive planning and wealth management to business succession and multi-generational strategies, everything is now easier to navigate, schedule, and share.

Visit us at www.barnumpcg.com – and let us know what you think!

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Estate tax laws are hard to predict. That makes planning for them a challenge, but the current high estate tax exemption creates a unique, likely temporary, opportunity to move wealth tax-free. Whether or not that’s an opportunity you want to take advantage of, understanding your estate tax risk is a critical first step in protecting your legacy. Check out the link to my blog article below to learn more: https://bit.ly/3NYMUSY

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“Do I hold or sell my restricted stock unit (RSU)?” is a common question I hear. The best way to treat a vested RSU is like it’s a cash bonus on the vesting date. I wrote this article to share some key insights on the topic: https://bit.ly/3CRcTFn

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Estate taxes have the potential to significantly diminish the wealth passed on to future generations. Imagine a scenario where a considerable portion of your hard-earned assets intended for your loved ones goes toward paying estate taxes. Without proper planning, your legacy could be compromised, and your beneficiaries might not receive the full benefits you intended for them. Check out the link to my blog article below to learn more: https://bit.ly/43YFtke

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Does your employer allow after-tax contributions to your retirement plan? If they do,
and you’re able to transfer that money to a Roth IRA or Roth 401k, you may be able to take advantage of a strategy called the “Mega Backdoor Roth” and boost your retirement accounts. Read more on this concept in my latest article: https://bit.ly/3JureLA

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Does your company provide restricted stock units (RSUs) as a part of your overall compensation package? If so, my latest article can help you learn about your stock options and how to make smart decisions. https://bit.ly/3PfzqTF

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Are you a high-income earner and super saver? The Mega Backdoor Roth strategy may be a lucrative loophole for your retirement plan. It could allow you to make after-tax contributions to your retirement accounts beyond the limits of traditional IRAs. Check out my newest article to learn more. https://bit.ly/3Xe3VM5

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As a reminder, Tax Day is today! Be sure to submit your 2022 tax returns or an extension to file and pay tax owed today

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