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John Bronkhorst

@coach_bronkhorst

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Financial Representative|Retired AD/Head Football Coach|2x National Champion
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Missed today’s NIL Office Hours? The replay is live. 🎙️ Coach Bronkhorst broke down NIL valuation and who polices NIL, and it’s a must-watch for athletes and parents navigating NIL. We’re live again every Tuesday at 12pm MST. Bring your questions. #NILOfficeHours #NIL by @coach_bronkhorst
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3 days ago
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Had ChatGPT create my mascot. Very interesting game…. by @coach_bronkhorst
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23 days ago
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Betsy and I thought I we would get into the 80s Chat GPT thing, then we went and found 1 of our engagement pictures…pretty much the same thing. 😂😂 by @coach_bronkhorst
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a month ago
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FILM ROOM TUESDAY A coach who only watches the final score misses the details that determined the outcome. The missed assignment. The alignment mistake. The protection breakdown. The same principle applies to your TRS retirement estimate. Looking at one projected monthly benefit without understanding the details behind it can create a false sense of certainty. A meaningful retirement review should examine: • Whether your recorded years of service are accurate • Whether your projected retirement date matches your actual goals • How your compensation history affects the estimate • Whether additional service could change your projected benefit • How different payment elections affect household income • What your spouse may receive under each available scenario Small differences in timing, service history, and pension elections can produce different retirement outcomes. That is why a retirement estimate should be treated as something to analyze—not simply a number to accept. Coaches do not study film because they enjoy finding problems. They study film because the details reveal where adjustments are needed. Pull up your TRS information. Review the assumptions. Ask better questions. The sooner you understand what the numbers are showing you, the more time you have to prepare. #FilmRoomTuesday #TRSPension #RetirementReview #TexasCoaches #PensionEducation by @coach_bronkhorst
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2 months ago
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An athlete should never sign a representation agreement simply because an agent promises bigger deals, better connections or access to influential people. The more confident the sales pitch sounds, the more important it becomes to examine the actual agreement. Before signing, athletes and parents should ask: • What specific services will the agent provide? • What compensation will the agent receive? • Does the commission apply to every deal—or only the opportunities the agent secures? • Will the agent claim a percentage of agreements the athlete already has? • Does the agreement cover NIL income, institutional revenue sharing or both? • Can the agent negotiate without the athlete’s approval? • How long does the representation agreement last? • Does it renew automatically? • How can the athlete terminate the relationship? • Does the agent continue receiving commissions after termination? • Does the agreement restrict the athlete from working with other professionals? • Who owns the athlete’s content, contact lists and account information? A representation agreement can affect more than the next endorsement opportunity. It can determine who controls business decisions, who receives payment, how disputes are resolved and whether the athlete remains tied to an advisor after the relationship stops working. Athletes should also understand that a commission percentage does not tell the complete story. A lower commission can still be expensive if it applies to every source of income, including opportunities the agent did not create. A higher commission may be reasonable in some situations if the services, responsibilities and limitations are clearly defined. The real question is not simply, “What percentage does the agent charge?” The real question is, “What exactly am I paying for, what income does the agreement cover and what happens if I want to leave?” Strong representation should create clarity, accountability and opportunity. If the agreement creates confusion, pressure or unnecessary control, it deserves a closer look before anyone signs. #NILAgents #NILContracts #AthleteRepresentation #NILEducation #AthleteRights by @coach_bronkhorst
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2 months ago
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GAME PLAN MONDAY Every effective game plan starts with an honest assessment of available personnel. What strengths do we have? Where are we vulnerable? What happens if one key piece is no longer available? Texas educators should ask the same questions about the insurance protection connected to their retirement plan. Many coaches and teachers assume the life insurance they have through work will always be there. That assumption deserves a closer look. Before relying on an employer-provided policy, find out: • How much coverage you actually have today • Whether the coverage changes when your employment ends • Whether you can continue or convert the policy after retirement • What that continued coverage would cost • Whether the benefit would adequately protect your spouse • Whether health changes could affect your ability to obtain additional coverage later A pension strategy built around family protection cannot depend on a policy you have never reviewed. If your current coverage disappears, becomes more expensive, or proves insufficient when you retire, your spouse could face a financial gap you did not expect. The best time to evaluate that risk is while you still have options. Build your retirement game plan around the protection you can verify—not the protection you assume you have. #GamePlanMonday #CoachRetirement #LifeInsurancePlanning #TRSPlanning #TexasEducators by @coach_bronkhorst
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2 months ago
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One of the biggest mistakes athletes and families make in the NIL era is assuming that every person offering advice is qualified to provide it. An agent, attorney, financial professional, tax professional and school compliance officer may all play important roles in an athlete’s development. But they do not perform the same job. An agent may help identify business opportunities, negotiate compensation and manage brand relationships. An attorney can review contracts, explain legal obligations and evaluate whether an agreement protects the athlete’s rights. A tax professional can help the athlete understand reporting responsibilities, estimated payments, allowable expenses and recordkeeping. A financial professional can help the athlete develop a strategy for managing income and preparing for the uncertainty that often comes with a short athletic earning window. School compliance personnel can explain institutional policies, reporting requirements and potential eligibility concerns. Parents can provide perspective, organization and support while helping the athlete avoid decisions driven by pressure or excitement. The problem begins when one person claims they can handle every one of these responsibilities. A skilled negotiator may not be qualified to provide legal advice. A coach may understand recruiting but may not be equipped to evaluate a complicated representation agreement. A family friend may have good intentions but may not understand how compensation, eligibility and contract obligations intersect. Before adding anyone to the advisory team, athletes should ask: • What services does this person actually provide? • What qualifications support those services? • Who pays this person? • How does this person make money? • Is this person working for the athlete—or someone else? • What decisions should be referred to another professional? The best advisory team is not the team with the most impressive introductions. It is the team where every person understands their role, communicates clearly and protects the athlete’s long-term interests. #NILEducation #AthleteAdvisors #NILAgents #AthleteProtection #CollegeAthletics by @coach_bronkhorst
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2 months ago
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SUNDAY NIGHT KICKOFF A new school year has a way of taking over a coach’s calendar before the first week is even finished. Practices. Meetings. Travel schedules. Parent conversations. Eligibility checks. Game preparation. Before long, the season is moving so quickly that anything personal gets pushed to the offseason. For too many Texas educators, retirement planning becomes one of those postponed priorities. “I’ll deal with it after the season.” “I still have a few years.” “I’ll figure it out when I get closer.” But retirement preparation involves more than picking a future date. It requires understanding: • Whether your projected TRS income matches your household’s actual needs • How your pension election could affect your monthly check • What happens to your spouse’s income if you die first • Whether your current life insurance protection will follow you into retirement • Which decisions become more difficult when you wait too long The school calendar will always give you a reason to delay. Your family’s long-term financial security gives you a reason to start. Coaches spend Sunday night preparing their teams for the week ahead. Take time to prepare your family for the years ahead, too. #SundayNightKickoff #TexasCoaches #TRSRetirement #PensionMaximization #EducatorRetirement by @coach_bronkhorst
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2 months ago
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THURSDAY WALKTHROUGH 🏈 A walkthrough is designed to remove uncertainty. By Thursday, every player should know the formation, the assignment and the adjustment. There should be no confusion about what happens when the situation changes. Before retirement, you and your spouse should be able to walk through the plan with the same clarity. Sit down together and answer these questions: • What will our estimated monthly retirement income be? • Which TRS payment option are we considering? • How does that option affect the pension while we are both living? • What income continues when the TRS retiree dies? • Which household expenses would remain for the surviving spouse? • What protection exists outside the pension? • Who knows where our important documents and beneficiary information are located? If only one spouse understands the strategy, the household is not fully prepared. Retirement decisions affect both people—even when only one person earned the pension. The purpose of the walkthrough is not to create fear. It is to replace uncertainty with communication, preparation and clearly defined responsibilities. Do not let the first full conversation about survivor income occur after the family has already experienced a loss. Walk through the plan together while there is still time to make adjustments. #ThursdayWalkthrough #TRSEducators #SurvivorPlanning #RetirementReadiness #TexasEducation by @coach_bronkhorst
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2 months ago
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WINNING WEDNESDAY 🏈 The scoreboard records the result. It does not explain whether the team followed the right process to achieve it. Retirement decisions should not be judged by one number, either. Taking the highest available monthly pension may look like a win—but not if it leaves a spouse financially exposed. Selecting the greatest survivor benefit may feel like the safest decision—but not if the permanent reduction unnecessarily limits the household’s retirement income. The right decision can only be identified after comparing the complete outcomes. A Pension Maximization analysis should examine: • The monthly income available under each pension election • The total reduction required to provide survivor income • The potential long-term cost of that reduction • The amount and duration of protection the spouse may need • The family’s health, budget and existing resources • Whether another appropriate protection strategy could create a better balance Pension Maximization is not a predetermined answer. It is a comparison process. For some families, a TRS survivor option may be the most appropriate choice. For others, a different strategy may deserve consideration. The win is not choosing a particular option. The win is understanding the tradeoffs and making an informed decision before the election becomes permanent. #WinningWednesday #PensionMaximization #TRSDecisions #TexasCoaches #RetirementStrategy by @coach_bronkhorst
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2 months ago
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The word “collective” is used constantly in college athletics, but many athletes and parents still do not understand what a collective actually is—or what it is not. A collective is generally a third-party organization aligned with the athletic interests of a college or university. It may raise money from supporters, connect athletes with businesses, coordinate community appearances or enter into NIL agreements directly with athletes. But a collective is not automatically the university. That distinction matters. Before an athlete relies on a collective opportunity, the family needs to identify: • Who is legally making the offer? • Who is responsible for making the payments? • Is the university actually a party to the agreement? • What NIL services must the athlete perform? • Is the compensation guaranteed or conditional? • What happens if the athlete transfers, becomes injured or leaves the team? • Can the collective terminate the agreement early? • Does the athlete retain control of their content and likeness? A collective may be closely associated with a school’s athletic program, donors and supporters. That relationship, however, should not cause families to assume every recruiting conversation or projected NIL amount is guaranteed by the institution. Athletes and parents should ask for the complete agreement in writing and review the actual obligations—not rely on a verbal summary of the opportunity. They should understand the payment schedule, deliverables, termination rights, reporting responsibilities and tax consequences before making financial decisions based on the expected income. The first rule of collective education is simple: Do not confuse school alignment with a school guarantee. Understand who is paying. Understand what the athlete must do. Understand how the agreement can end. Understand what has—and has not—been promised in writing. NIL opportunity should never be confused with financial certainty. #NIL #NILCollectives #NILEducation #CollegeAthletics #AthleteProtection by @coach_bronkhorst
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2 months ago
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THURSDAY WALKTHROUGH By Thursday, coaches want every player to understand the assignment. Where do I line up? What is my responsibility? What adjustment do I make if the situation changes? That clarity creates confidence when Friday night arrives. Texas educators should have the same clarity before retirement. You should be able to explain: • How your TRS benefit is calculated • Which payment option you are considering • How that election affects your monthly income • What your spouse receives if you die first • Which choices become difficult or impossible to change • How your household will respond if retirement does not unfold as expected If you cannot clearly explain your retirement strategy, you may not be ready to finalize it. A walkthrough identifies confusion while there is still time to correct it. Do not wait until retirement paperwork is in front of you to begin learning the system. Preparation creates confidence because everyone understands the plan. @TXPSMedia @lonestarclinic1 #ThursdayWalkthrough #TRSEducators #RetirementReadiness #TeacherRetirement #TexasEducation by @coach_bronkhorst
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2 months ago
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