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Benefit from specialized expertise and personalized advice.","Ready to get answers?","Fast responses","Our {categoryName} experts","Our specialties","Verified Experts","Discover","Qualified professionals at your service","What our clients say","Get an expert answer in 3 simple steps","Choose your area of expertise","Discover the opinions of those who have trusted us",{"revisionAuto":624,"vaccinAnimal":631,"rdvSpecialiste":638,"pensionAlimentaire":645,"conventionCollective":652},{"alert":625},{"agenda":626},{"time":627,"title":628,"expert":629,"insight":630},"Saturday · 10:00 AM","Scheduled Maintenance","Auto Expert K. Singh","To maintain your manufacturer's warranty, ensure the service schedule is followed. Here are 3 key points to check on your invoice.",{"alert":632},{"agenda":633},{"time":634,"title":635,"expert":636,"insight":637},"This Week","Annual Vaccine Booster","Dr. L. 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But beyond the hockey headline, there is a wealth management story just as compelling: how does a 20-year-old athlete responsibly structure a nine-figure windfall — and what can every Canadian high earner learn from the decisions being made right now?\n\n## The Contract and the Countdown Clock\n\nThe timing of Buium's deal was as precise as a defensive pinch at the offensive blue line. Under the current NHL Collective Bargaining Agreement (CBA), teams can sign extensions with their own players for up to eight years. On September 16, 2026 — just twelve days after this signing — new CBA rules take effect that permanently cap maximum extension length at seven years with a player's current club, and six years for free-agent deals.\n\nBy signing before that deadline, the Canucks secured an extra year of Buium at a set rate — a year no future contract could replicate. The move reflects a kind of contractual savvy that wealth professionals recognise immediately: acting before a legal or regulatory window closes to lock in a favourable structure that becomes unavailable the moment the rules change.\n\nBuium was acquired by Vancouver in December 2025 as a centrepiece of the blockbuster trade that sent former Canucks captain Quinn Hughes to the Minnesota Wild. Selected 12th overall in the 2024 NHL Draft, the young defenceman posted three goals and nine assists in 45 games during his debut season in Vancouver. He will now be 28 years old when this deal expires.\n\n## What Wealth Experts See When They Read \"20-Year-Old Signs $75 Million Contract\"\n\nFinancial advisers who specialise in professional athletes describe first major contracts as a defining moment — one that most young earners handle far better in theory than in practice. The mistake is rarely recklessness. It is more often inaction: leaving a large sum in a chequing account while lifestyle spending scales up organically, or delegating fully to an agent without building an independent financial structure.\n\nFor Buium, $9.38 million USD per year converts to approximately $12.7 million CAD at September 2026 exchange rates. Before he retains a dollar, several deductions apply automatically: agent fees (typically 3–5% of gross contract value, or roughly $380,000 to $640,000 CAD annually), NHL union dues, and income tax in British Columbia. For BC residents earning above $355,000 CAD annually, the combined federal-provincial marginal rate currently sits at approximately 53.5%.\n\nThat figure surprises almost everyone who encounters it for the first time. On $12.7 million CAD in employment income, the tax payable to the Canada Revenue Agency and the provincial government exceeds $6.5 million per year. Net of agent commissions and taxes, Buium's after-tax take-home is closer to $5.6–$5.8 million CAD annually. Still extraordinary — but a very different number than the headline figure.\n\nThere is an additional complication specific to NHL players: the \"jock tax.\" Because roughly half of Vancouver's regular-season games are played in American cities, Buium is subject to income tax filings in every US state where the Canucks play. States like California, New York, and Minnesota each tax visiting athletes on the prorated share of their salary earned on those travel dates. For a player earning over $12 million CAD, the jock tax exposure across a full season can add tens of thousands of dollars in cross-border compliance costs and, if not properly managed, unexpected additional tax bills.\n\nUnderstanding the real after-tax number — not the headline figure — is step one of professional financial planning.\n\n## The Priorities That Wealth Managers Set First\n\nAccording to the Financial Consumer Agency of Canada (FCAC), building a personal balance sheet rather than just a budget is the foundation of long-term financial security for any high earner. For young professional athletes, that means four priorities pursued in sequence.\n\n**Protect income before investing it.** Disability insurance is the most consistently overlooked planning tool among athletes at this stage. An injury that ended Buium's career in year two of his deal would forfeit years of future contract payments. Policies designed specifically for professional athletes can cover a portion of lost future earnings — but they must be put in place proactively, not after an incident occurs.\n\n**Build tax-efficient structures before spending scales.** RRSP contribution room in Canada is capped at 18% of prior-year earned income, up to an annual maximum of $31,560 CAD in 2026. For someone earning $12.7 million CAD, that limit is a rounding error — but consistent contributions still accumulate meaningful tax-sheltered growth. Where permitted by CRA rules, a personal holding corporation can defer taxation on investment income earned beyond the RRSP ceiling.\n\n**Start investing early, passively, and consistently.** Index-linked instruments held from age 20 compound over four-plus decades. A 20-year-old who invests $2 million CAD per year from age 20 through 28 in a balanced portfolio averaging 6% real annual returns would accumulate approximately $61 million CAD by age 60 — without deploying another dollar after the contract ends.\n\n**Build an independent advisory team.** A certified financial planner (CFP), a sports-specialized accountant, and an independent lawyer — separate from the agent who negotiated the contract — are not a luxury for someone in Buium's position. They are infrastructure.\n\n## Concrete Case: Running the Numbers on Year One\n\nConsider this specific scenario. It is October 2026, and Buium receives his first regular-season paycheque. NHL player salaries are paid across 23 instalments over the regular season. His gross pay per period: approximately $1.06 million CAD equivalent. After BC income tax withholding at the marginal rate and agent commission deduction, his retained cash per pay period lands near $478,000 CAD — roughly $11 million CAD over a full season of net take-home.\n\nNow model the proactive approach. Buium maximises his RRSP contribution ($31,560 CAD for 2026). He directs $2 million CAD into a diversified index fund at the start of the season, before lifestyle costs lock in. He establishes a personal holding corporation and routes $500,000 CAD of investment capital through it for deferred-tax treatment. He pays a disability insurance premium of approximately $100,000 CAD annually for a policy covering 70% of future contract value. The remaining roughly $8.4 million CAD covers lifestyle, liquidity reserve, and ongoing advisory fees.\n\nThe if\u002Fthen calculus is clear: if Buium invests consistently from October 2026 through the final year of his deal, he exits at age 28 with approximately $16–20 million CAD in investable assets — independent of any future NHL income. If he delays investment decisions to year three of the contract, a pattern wealth managers observe frequently among first-time high earners, he forgoes an estimated $4–6 million CAD in compound growth on capital that simply sat idle.\n\nThe choices made in October 2026 will still be visible on a balance sheet in October 2046.\n\n## The Broader Lesson for High Earners Who Are Not NHL Stars\n\nBuium's contract is extreme in scale but not in structure. The same framework applies to any Canadian who receives a materially significant financial event: an inheritance, the sale of a business, a severance package, a real estate gain, or a major stock-option vesting. The dynamics — tax exposure, deployment timing, insurance gaps, and compounding opportunity cost — are identical in kind if not in magnitude.\n\nFinancial planning research in Canada consistently shows two findings: people who establish a financial structure within 90 days of receiving a windfall preserve significantly more of it over time than those who wait, and the largest wealth losses are not caused by bad investments — they result from taxes that could have been legally deferred and insurance exposures that were never addressed.\n\nA wealth management consultation does not require a $75 million contract to be worthwhile. It requires recognising that the window for optimal decisions is always shorter than it appears.\n\n## What You Should Do Now\n\nWhether the sum is $75 million or $75,000, the structure of good financial planning does not change: protect your income, minimise your tax exposure legally, invest early and consistently, and build an independent team of professionals before spending commitments make restructuring harder.\n\nIf you or someone close to you has recently received a material financial windfall — through employment, inheritance, or a business event — consulting a certified financial planner before lifestyle spending adjusts to the new income level is the highest-return action available. The [Financial Consumer Agency of Canada](https:\u002F\u002Fwww.canada.ca\u002Fen\u002Ffinancial-consumer-agency.html) offers free tools and guidance for Canadians navigating major financial decisions.\n\nAn ExpertZoom wealth management professional can help you build the same kind of structured financial plan in days rather than months.\n\n*Disclaimer: This article is for informational and educational purposes only and does not constitute personalised financial or investment advice. Please consult a qualified financial planner or investment adviser before making decisions about your personal finances.*\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002F9efa37aaa363-9b4b87.webp","Young athlete signing a major contract in a Vancouver financial advisory office with a wealth management adviser","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Faudio\u002Fnews\u002Fcmtnjxo0h0700ti1aycsd7hmx-9b4c52.mp3","2026-09-04T22:55:15.118Z",7,"PUBLISHED","ca","en","3184a413-7a03-41fc-88c0-a930c7a3ea50","Zeev Buium $75M: What Young Earners Must Know | Expert Zoom","Zeev Buium signed a $75M Canucks extension just before NHL CBA rules changed. What every young Canadian must know about managing a financial windfall.","zeev buium canucks contract wealth management 2026","zeev buium","CA","9efa37aaa363","9cc87197-5408-43dc-9de5-d740868a64f4",53,0,"NEUTRAL","URL is unknown to Google","2026-09-04T23:10:39.505Z",2.85,"needs_improvement",1.8,0.022,"good","2026-09-05T00:24:19.958Z","2026-09-04T22:55:03.376Z","2026-09-04T22:55:03.377Z","2026-09-11T10:20:45.094Z",{"id":63,"name":64,"slug":65,"parentId":7},{"id":1130,"first_name":1154,"name":1155,"slug":1156,"specialty":1157,"picture":1158,"region":1159},"Julia","Vachon","julia-vachon","Wealth Management Advisor","expertPics\u002Fwealth-managers\u002Fwealth-managers-expert-1775242508634.webp",{"code":11,"country":1160},{"code":1135,"name":994},"\u003Cp>Vancouver Canucks defenceman Zeev Buium, age 20, signed one of the most strategically timed contracts in recent NHL history on September 4, 2026 — an eight-year extension worth $75 million USD (approximately $102 million CAD) that locks him in through the 2034–35 season, paying $9.38 million USD per year. But beyond the hockey headline, there is a wealth management story just as compelling: how does a 20-year-old athlete responsibly structure a nine-figure windfall — and what can every Canadian high earner learn from the decisions being made right now?\u003C\u002Fp>\n\u003Ch2 id=\"the-contract-and-the-countdown-clock\">The Contract and the Countdown Clock\u003C\u002Fh2>\n\u003Cp>The timing of Buium's deal was as precise as a defensive pinch at the offensive blue line. Under the current NHL Collective Bargaining Agreement (CBA), teams can sign extensions with their own players for up to eight years. On September 16, 2026 — just twelve days after this signing — new CBA rules take effect that permanently cap maximum extension length at seven years with a player's current club, and six years for free-agent deals.\u003C\u002Fp>\n\u003Cp>By signing before that deadline, the Canucks secured an extra year of Buium at a set rate — a year no future contract could replicate. The move reflects a kind of contractual savvy that wealth professionals recognise immediately: acting before a legal or regulatory window closes to lock in a favourable structure that becomes unavailable the moment the rules change.\u003C\u002Fp>\n\u003Cp>Buium was acquired by Vancouver in December 2025 as a centrepiece of the blockbuster trade that sent former Canucks captain Quinn Hughes to the Minnesota Wild. Selected 12th overall in the 2024 NHL Draft, the young defenceman posted three goals and nine assists in 45 games during his debut season in Vancouver. He will now be 28 years old when this deal expires.\u003C\u002Fp>\n\u003Ch2 id=\"what-wealth-experts-see-when-they-read-20-year-old-signs-75-million-contract\">What Wealth Experts See When They Read \"20-Year-Old Signs $75 Million Contract\"\u003C\u002Fh2>\n\u003Cp>Financial advisers who specialise in professional athletes describe first major contracts as a defining moment — one that most young earners handle far better in theory than in practice. The mistake is rarely recklessness. It is more often inaction: leaving a large sum in a chequing account while lifestyle spending scales up organically, or delegating fully to an agent without building an independent financial structure.\u003C\u002Fp>\n\u003Cp>For Buium, $9.38 million USD per year converts to approximately $12.7 million CAD at September 2026 exchange rates. Before he retains a dollar, several deductions apply automatically: agent fees (typically 3–5% of gross contract value, or roughly $380,000 to $640,000 CAD annually), NHL union dues, and income tax in British Columbia. For BC residents earning above $355,000 CAD annually, the combined federal-provincial marginal rate currently sits at approximately 53.5%.\u003C\u002Fp>\n\u003Cp>That figure surprises almost everyone who encounters it for the first time. On $12.7 million CAD in employment income, the tax payable to the Canada Revenue Agency and the provincial government exceeds $6.5 million per year. Net of agent commissions and taxes, Buium's after-tax take-home is closer to $5.6–$5.8 million CAD annually. Still extraordinary — but a very different number than the headline figure.\u003C\u002Fp>\n\u003Cp>There is an additional complication specific to NHL players: the "jock tax." Because roughly half of Vancouver's regular-season games are played in American cities, Buium is subject to income tax filings in every US state where the Canucks play. States like California, New York, and Minnesota each tax visiting athletes on the prorated share of their salary earned on those travel dates. For a player earning over $12 million CAD, the jock tax exposure across a full season can add tens of thousands of dollars in cross-border compliance costs and, if not properly managed, unexpected additional tax bills.\u003C\u002Fp>\n\u003Cp>Understanding the real after-tax number — not the headline figure — is step one of professional financial planning.\u003C\u002Fp>\n\u003Ch2 id=\"the-priorities-that-wealth-managers-set-first\">The Priorities That Wealth Managers Set First\u003C\u002Fh2>\n\u003Cp>According to the Financial Consumer Agency of Canada (FCAC), building a personal balance sheet rather than just a budget is the foundation of long-term financial security for any high earner. For young professional athletes, that means four priorities pursued in sequence.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Protect income before investing it.\u003C\u002Fstrong> Disability insurance is the most consistently overlooked planning tool among athletes at this stage. An injury that ended Buium's career in year two of his deal would forfeit years of future contract payments. Policies designed specifically for professional athletes can cover a portion of lost future earnings — but they must be put in place proactively, not after an incident occurs.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Build tax-efficient structures before spending scales.\u003C\u002Fstrong> RRSP contribution room in Canada is capped at 18% of prior-year earned income, up to an annual maximum of $31,560 CAD in 2026. For someone earning $12.7 million CAD, that limit is a rounding error — but consistent contributions still accumulate meaningful tax-sheltered growth. Where permitted by CRA rules, a personal holding corporation can defer taxation on investment income earned beyond the RRSP ceiling.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Start investing early, passively, and consistently.\u003C\u002Fstrong> Index-linked instruments held from age 20 compound over four-plus decades. A 20-year-old who invests $2 million CAD per year from age 20 through 28 in a balanced portfolio averaging 6% real annual returns would accumulate approximately $61 million CAD by age 60 — without deploying another dollar after the contract ends.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Build an independent advisory team.\u003C\u002Fstrong> A certified financial planner (CFP), a sports-specialized accountant, and an independent lawyer — separate from the agent who negotiated the contract — are not a luxury for someone in Buium's position. They are infrastructure.\u003C\u002Fp>\n\u003Ch2 id=\"concrete-case-running-the-numbers-on-year-one\">Concrete Case: Running the Numbers on Year One\u003C\u002Fh2>\n\u003Cp>Consider this specific scenario. It is October 2026, and Buium receives his first regular-season paycheque. NHL player salaries are paid across 23 instalments over the regular season. His gross pay per period: approximately $1.06 million CAD equivalent. After BC income tax withholding at the marginal rate and agent commission deduction, his retained cash per pay period lands near $478,000 CAD — roughly $11 million CAD over a full season of net take-home.\u003C\u002Fp>\n\u003Cp>Now model the proactive approach. Buium maximises his RRSP contribution ($31,560 CAD for 2026). He directs $2 million CAD into a diversified index fund at the start of the season, before lifestyle costs lock in. He establishes a personal holding corporation and routes $500,000 CAD of investment capital through it for deferred-tax treatment. He pays a disability insurance premium of approximately $100,000 CAD annually for a policy covering 70% of future contract value. The remaining roughly $8.4 million CAD covers lifestyle, liquidity reserve, and ongoing advisory fees.\u003C\u002Fp>\n\u003Cp>The if\u002Fthen calculus is clear: if Buium invests consistently from October 2026 through the final year of his deal, he exits at age 28 with approximately $16–20 million CAD in investable assets — independent of any future NHL income. If he delays investment decisions to year three of the contract, a pattern wealth managers observe frequently among first-time high earners, he forgoes an estimated $4–6 million CAD in compound growth on capital that simply sat idle.\u003C\u002Fp>\n\u003Cp>The choices made in October 2026 will still be visible on a balance sheet in October 2046.\u003C\u002Fp>\n\u003Ch2 id=\"the-broader-lesson-for-high-earners-who-are-not-nhl-stars\">The Broader Lesson for High Earners Who Are Not NHL Stars\u003C\u002Fh2>\n\u003Cp>Buium's contract is extreme in scale but not in structure. The same framework applies to any Canadian who receives a materially significant financial event: an inheritance, the sale of a business, a severance package, a real estate gain, or a major stock-option vesting. The dynamics — tax exposure, deployment timing, insurance gaps, and compounding opportunity cost — are identical in kind if not in magnitude.\u003C\u002Fp>\n\u003Cp>Financial planning research in Canada consistently shows two findings: people who establish a financial structure within 90 days of receiving a windfall preserve significantly more of it over time than those who wait, and the largest wealth losses are not caused by bad investments — they result from taxes that could have been legally deferred and insurance exposures that were never addressed.\u003C\u002Fp>\n\u003Cp>A wealth management consultation does not require a $75 million contract to be worthwhile. It requires recognising that the window for optimal decisions is always shorter than it appears.\u003C\u002Fp>\n\u003Ch2 id=\"what-you-should-do-now\">What You Should Do Now\u003C\u002Fh2>\n\u003Cp>Whether the sum is $75 million or $75,000, the structure of good financial planning does not change: protect your income, minimise your tax exposure legally, invest early and consistently, and build an independent team of professionals before spending commitments make restructuring harder.\u003C\u002Fp>\n\u003Cp>If you or someone close to you has recently received a material financial windfall — through employment, inheritance, or a business event — consulting a certified financial planner before lifestyle spending adjusts to the new income level is the highest-return action available. The \u003Ca href=\"https:\u002F\u002Fwww.canada.ca\u002Fen\u002Ffinancial-consumer-agency.html\">Financial Consumer Agency of Canada\u003C\u002Fa> offers free tools and guidance for Canadians navigating major financial decisions.\u003C\u002Fp>\n\u003Cp>An ExpertZoom wealth management professional can help you build the same kind of structured financial plan in days rather than months.\u003C\u002Fp>\n\u003Cp>\u003Cem>Disclaimer: This article is for informational and educational purposes only and does not constitute personalised financial or investment advice. Please consult a qualified financial planner or investment adviser before making decisions about your personal finances.\u003C\u002Fem>\u003C\u002Fp>\n",{},[]]