Z12-FAN
Footballer financial protection and advisory
The Problem
Professional footballers are prime targets for financial exploitation. Many lose their wealth to bad advisors, scams, and poor investments.
Professional footballers (especially young players), their families, agents who want to protect clients.
Trust whoever their agent recommends, get advice from fellow players, or learn the hard way after losing money.
Career earnings lost to bad investments. 40% of footballers face financial difficulty within 5 years of retirement.
The Solution
Platform providing verified financial advisors, educational resources, contract analysis tools, and financial health tracking for professional footballers.
Built specifically for footballers. Vetted advisors. Tools that understand football contracts and career timelines.
Key Features
| Feature | What it does | Why it matters |
|---|---|---|
| [object Object] | Assessment of current financial situation | Know where you stand |
| [object Object] | Directory of vetted financial professionals | Trust who you work with |
| [object Object] | AI review of contract terms | Understand what you're signing |
| [object Object] | Financial literacy content for players | Make informed decisions |
The AI Explained
For non-technical people
AI for contract analysis and financial health scoring.
Like having a financial advisor available 24/7 who specializes in football careers.
The agents in this tool
| Agent Name | What it does | Human equivalent |
|---|---|---|
| Contract Analyzer | Reviews contracts for unusual terms | Sports lawyer |
| Financial Health Agent | Assesses financial situation and risks | Financial planner |
Instant contract analysis and financial guidance without expensive professional fees.
Employees this replaces (or augments)
| Role | Salary (UK avg) | What the AI does instead |
|---|---|---|
| Sports Lawyer | £300-500/hour | Initial contract review |
| Financial Advisor | £150-300/hour | Basic financial planning |
Why I Built This
A lot of footballers get ripped off financially. Part of the Z12 ecosystem — I want to protect players and give them verified resources. The broader Z12 vision started 25 years ago when I broke my leg playing football, recuperating and thinking "I want to stay in football, do something in football." The zodiac signs idea came through meditation — 12 signs, make them teams.
Need someone with football industry connections who can build trust with players and agents.
The trusted platform every professional footballer uses to protect their financial future. Part of the Z12 ecosystem.
The Business Model
How it makes money
| Revenue stream | Price point | Who pays |
|---|---|---|
| Player subscription | £29-99/month | Professional players |
| Agency license | £299-999/month | Football agencies |
| Advisor listing | £99-299/month | Financial advisors |
Current status
[TOM: Current users]
[TOM: Current MRR]
No
Yes
Revenue potential
Conservative: 100 players × £49/mo = £58,800 ARR
Medium: 500 players × £79/mo + agency fees = £500,000+ ARR
The Market
500,000+ professional footballers globally. £5B+ in annual player wages in top leagues alone.
High-profile cases of player financial fraud. Growing awareness of the problem. PFA pushing for better education.
Competition
| Competitor | Their price | Our advantage |
|---|---|---|
| Traditional advisors | £150-500/hour | Vetted, specialized, affordable |
| No platform exists | N/A | First mover in niche |
What's Already Built
Tech stack (plain English)
| Component | What it means | Why it matters |
|---|---|---|
| Next.js | Modern web framework | Fast, secure, professional |
| Supabase | Secure database | Player data protected |
What's live
- •Financial health check
- •Advisor directory
- •Educational content
- •Basic contract tools
What's ready but not launched
- •Advanced contract analysis
- •Investment tracking
What's planned
- •Mobile app
- •Agent dashboard
- •PFA integration
Deployment status
The Roles Needed
E-Myth Hats
This business needs these hats
| Hat | What they do | Hours/week | Could be same person as... |
|---|---|---|---|
| BD/Sales | Network with agents, players, clubs | 20-30 | — |
| Ops | Advisor vetting, player support | 10-15 | BD |
1 person with football industry connections
Part of Z12 bundle — same partner could run Z12 Wales and Z12-ACL
The Partnership Terms
20-40% (Bundle with other Z12 projects)
24 months
30-day trial
Revenue milestones
Example milestone structure
| Milestone | Equity unlocked |
|---|---|
| First 20 players or 2 agencies | 10% |
| £3,000 MRR | +10% |
| £10,000 MRR | +15% |
What Tom provides
- ✓Tech development
- ✓AI features
- ✓Infrastructure
- ✓Access to Z12 ecosystem
What you provide
- ✓Football industry relationships
- ✓Trust building
- ✓Market development
- ✓20+ hours/week
Is This For You?
This is for you if...
- You have connections in professional football
- You understand the player financial problem
- You can build trust with high-net-worth individuals
- You can commit to the Z12 ecosystem
This is NOT for you if...
- You have no football industry access
- You can't handle sensitive financial topics
- You need immediate income
Someone who has worked in football (agent, club staff, PFA, former player) who understands the financial vulnerability of players.
Getting Started
If you apply and we agree:
Week 1-2
- •Platform deep-dive
- •Network mapping
- •Initial outreach strategy
Day 30
- •Review connections made
- •Formalize Z12 bundle agreement
Month 2-6
- •Agency partnerships
- •Advisor onboarding
- •Player acquisition
The Buzz
For non-technical people
This isn't a business idea. It's a working product. The hard part — building software that works — is done.
What you're actually getting:
- Platform that protects footballers from financial exploitation
- AI tools that used to require expensive lawyers and advisors
- First-mover advantage in underserved niche
- Part of complete Z12 football ecosystem
A young player uploads their first professional contract. Within minutes, the AI highlights 3 clauses that need attention, compares their terms to market standards, and connects them with a verified specialist.
Players who use proper financial guidance keep 80%+ of career earnings vs 40% who don't.