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The expert responds in minutes, typically in under 10 minutes.","Receive a clear, actionable, and tailored response to confidently move forward.","Getting Answers to Your Questions Has Never Been Easier",{"title":911,"askQuestion":606},"Meet our experts",{"retry":913,"terms":182,"title":914,"errors":915,"company":918,"loading":102,"getAnswer":735,"acceptTerms":919,"getUnlimited":445,"securePayment":920},"Retry","Secure payment of $3.00",{"title":209,"genericError":420,"paymentError":916,"initializationError":917},"An error occurred during payment","Error initializing payment","expert-zoom","I accept the","Secure payment of {amount}",{"delete":922,"deleteError":923,"deleteCancel":425,"deleteConfirm":922,"deleteDialogTitle":924,"deleteDialogDescription":925},"Delete","Deleting the collection failed. Please try again.","Delete this collection?","The information saved for this category will be deleted, and the collection will disappear from your profile. 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The expert in {city} was able to reassure me and guide me exactly toward what I needed.",{"title":953,"subtitle":954,"subtitleExpert":955,"titleWithExpert":956},"New Question","Ask your question, we will find the right expert!","Ask your question, and the answer will be sent to you.","New Question for {name}",{"to":958,"seconds":959,"responseTo":960,"expertReading":961,"estimatedResponseTime":962,"expertSentPartialResponse":963},"to","seconds","Response to","{firstName} {lastName} is reading your question","Estimated response time: between 5 and 10 minutes","{expertName} sent a partial response to",{"back":540,"title":541,"sending":542,"sendLink":965,"description":966,"notifications":967},"Send the link","A reset link will be sent to your email address",{"error":209,"emailSent":544,"emailError":834,"loginRequired":968,"emailSentDescription":546},"You must be logged in to reset your 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For the","The New Orleans Saints restructured tight end Juwan Johnson's contract in March 2026, converting a portion of his base salary into a signing bonus to free up $6.29 million in salary cap space. For the franchise, the math was clean. For Johnson — who earned his deal through a standout 2025 season of 77 catches, 889 yards, and three touchdowns — the transaction meant navigating a fundamentally different financial arrangement, with different tax treatment, different timing, and different long-term implications.\n\nJohnson had a team of agents and certified financial advisors to manage that transition. Most Americans facing a similar conversation with HR do not.\n\nIn 2026, compensation restructuring has become one of the most common — and least understood — financial events in the American workplace. Employers across industries are asking workers to sign new arrangements that swap base salary for deferred compensation, convert guaranteed bonuses to equity, or shift annual payouts into multi-year vesting schedules. In each case, the employee faces the same underlying challenge Juwan Johnson did: a rewritten deal that looks equivalent on paper but carries financial implications that are anything but simple.\n\n## What \"Restructuring\" Actually Does to Your Compensation\n\nIn the NFL, a contract restructure typically converts base salary into a prorated signing bonus. Because signing bonuses can be spread across contract years for salary cap accounting, the team reduces its immediate cap charge — while the player receives the money differently than originally structured. The restructure does not change Johnson's total contract value, but it changes *when* and *how* that money is taxed and received.\n\nCorporate compensation restructures work on the same principle. Common mechanisms include:\n\n- **Non-qualified deferred compensation (NQDC) plans**: a portion of base salary or bonus is deferred to a future date, reducing the employer's immediate payroll burden\n- **Equity-for-cash swaps**: base salary is partially replaced by stock options or restricted stock units (RSUs) that vest over 2–4 years\n- **Guaranteed-to-variable conversion**: a fixed annual bonus is replaced by performance-tied variable pay\n\nEach has a different tax profile. Each carries different risk. And each creates specific legal obligations — for employers and employees — that most workers only discover after signing.\n\n## The 409A Number Every Employee Should Know\n\nThe single most important figure in any deferred compensation arrangement is the penalty attached to getting it wrong: **20%**.\n\nUnder IRS Section 409A, which governs virtually all non-qualified deferred compensation in the United States, any plan that fails to comply with distribution timing, election, and documentation requirements triggers immediate and severe consequences. If a plan is found to be non-compliant:\n\n- The **entire deferred balance** across all years becomes immediately taxable income in the year of violation — not the year of distribution\n- A **20% excise tax** is added on top of ordinary income tax\n- **Interest** accrues from the year the amounts vested, not from the date of the error\n\nThe combined impact is striking. For a worker in the 37% federal bracket with $100,000 in deferred compensation, a Section 409A violation produces: $37,000 in federal income tax, $20,000 in excise tax, and accrued interest — total exposure exceeding $60,000 on a deferred amount that has not yet been paid out. As Eqvista's 2026 compliance review confirmed, total tax burden can easily exceed 60% of the original deferred amount when state taxes are added.\n\nCritically, the violation does not need to be the employee's fault. Plan documentation errors, missed amendment deadlines, or administrative failures by the employer's HR team can all trigger penalties that fall on the employee. According to IRS guidance, noncompliance results in immediate taxation regardless of who made the error.\n\n## The Hidden Risk No One Mentions at the Signing Table\n\nThere is a second risk in deferred compensation that is rarely explained: **these assets are unsecured**.\n\nUnlike 401(k) contributions — which are held in a segregated trust protected under ERISA — NQDC plan balances remain on the employer's books as a general liability. If the company faces bankruptcy or insolvency, deferred compensation balances rank as unsecured creditor claims. They are not insured, not protected, and not guaranteed.\n\nIn recent years, corporate bankruptcy filings in the U.S. have climbed steadily. Workers at mid-size companies who accepted deferred compensation packages have found themselves in bankruptcy proceedings, waiting in line alongside lenders and vendors for pennies on the dollar.\n\nJohnson's restructured NFL contract faces no such risk — the Saints are an established NFL franchise with a stable revenue stream. An employer in a cyclical industry, a startup, or a leveraged buyout situation presents a fundamentally different risk profile for deferred compensation.\n\n## When a $185,000 Salary Became a $22,000 Problem: A Concrete Case\n\nConsider Marcus, a 38-year-old senior account executive at a Chicago-based technology firm earning $185,000 base salary and a guaranteed $45,000 annual bonus. In early 2026, his employer proposed restructuring his compensation: reduce the guaranteed bonus to $20,000, with the remaining $25,000 moved into a newly created NQDC plan distributing in three years at a 4% annual growth rate.\n\nOn paper, Marcus loses nothing — he receives the same total compensation over time, and his deferred amount earns a modest return.\n\nHere is what the proposal did not disclose:\n\n**If Marcus signs without professional review**: The NQDC plan contains an administrative defect in its Section 409A distribution election timing — a common issue in newly created plans. When his company's legal team identifies the error during a routine audit in Year 2, the $50,000 accumulated balance becomes immediately taxable. At his marginal rate plus the 20% excise tax, Marcus owes approximately $28,500 in additional taxes that year — before receiving a single distribution. Additionally, because the plan is unsecured, if the company is acquired and the new ownership decides to eliminate the plan, his deferred balance may be forfeited entirely under the plan's \"change of control\" clause, which Marcus never noticed when signing.\n\n**If Marcus consults a wealth manager before signing**: A certified financial planner or wealth advisor reviews the plan documents, flags the Section 409A compliance exposure, identifies the unsecured creditor risk, and negotiates for accelerated vesting triggers tied to company performance. The advisor also models the tax scenario: Marcus's deferred compensation will distribute in a year when his income is projected to be lower (he plans to take partial leave), potentially saving him $8,000–$11,000 in federal income tax through timing alone.\n\nCost of professional review: $600–$1,400 for a one-time compensation package analysis. Potential financial exposure without it: $22,000–$75,000 in taxes, penalties, or lost deferrals.\n\nThe if\u002Fthen calculus is clear: if you accept a restructured compensation agreement without reviewing plan documents with a qualified wealth advisor, you are accepting quantifiable financial risk — risk that a one-time professional consultation can significantly reduce or eliminate.\n\n## What the Saints Player's Situation Should Prompt You to Do\n\nJuwan Johnson enters the 2026 season as the Saints' unquestioned TE1, with analysts projecting continued production following his career-best 2025 campaign. His March 2026 contract restructure was handled efficiently and professionally. He will not spend this season worrying about deferred compensation tax exposure.\n\nFor anyone else who gets called into HR for a \"compensation adjustment conversation\" this year, the steps are straightforward:\n\n**Request full plan documentation before signing.** Plan participants are entitled to review all terms — including distribution triggers, vesting schedules, and forfeiture conditions. If HR cannot provide documents within five business days, ask in writing.\n\n**Ask specifically about Section 409A compliance review.** Confirm the plan has been reviewed by outside counsel. If the answer is uncertain, that is a significant red flag.\n\n**Assess the unsecured risk.** Ask directly whether the plan is funded or unfunded. If unfunded (most NQDC plans are), understand that your deferred balance is a general asset of the employer.\n\n**Model your tax scenario.** A wealth manager can project your effective tax rate in the distribution year and compare it to your current bracket. Distributions in high-income years can push workers into the 37% federal bracket, wiping out most of the growth on deferred balances.\n\nThe IRS provides formal guidance on Section 409A requirements at [irs.gov](https:\u002F\u002Fwww.irs.gov\u002Fretirement-plans\u002F409a-nonqualified-deferred-compensation-plans) — though this guidance is written for plan administrators, not participants, which is precisely why professional translation matters.\n\nCompensation restructuring is a normal part of business. Signing one without understanding what you're agreeing to is not. Before you initial anything, get your team in place.\n\n*This article provides general financial and tax information for educational purposes only. It does not constitute professional financial, tax, or legal advice. Consult a qualified wealth manager, tax professional, or attorney before making decisions about your compensation structure.*\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002Fc78dca203ca0-c42ae4.webp","New Orleans Saints NFL game action shot, player in white jersey","{\"author\": \"All-Pro Reels from District of Columbia, USA\", \"source\": \"wikimedia\", \"license\": \"CC BY-SA 2.0\", \"pageUrl\": \"https:\u002F\u002Fcommons.wikimedia.org\u002Fwiki\u002FFile:NFL_2021_-_Week_5_-_Washington_vs._Saints_(51584966166).jpg\", \"attributionHtml\": \"Photo: All-Pro Reels from District of Columbia, USA \u002F Wikimedia (CC BY-SA 2.0)\"}","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Faudio\u002Fnews\u002Fcmuvurhod003tctp8k3pbshpm-c42c00.mp3","2026-10-05T23:00:17.202Z",7,"PUBLISHED","us","en","167f344c-dabc-485b-b7cd-8c4efecaf70e","NFL Contract Restructure: The Tax Trap to Avoid | Expert Zoom","When an NFL star's $6.29M deal gets restructured, what should YOU do if your employer does the same? A wealth manager explains what to do first.","juwan johnson saints contract restructure wealth 2026","juwan johnson","US","c78dca203ca0","9cc87197-5408-43dc-9de5-d740868a64f4",59,0,"NEUTRAL","URL is unknown to Google","2026-10-05T23:10:28.456Z",2.25,"good",1.8,"needs_improvement","2026-10-19T23:43:46.881Z","2026-10-05T23:00:02.748Z","2026-10-05T23:00:02.749Z","2026-10-20T15:06:42.292Z",{"id":48,"name":49,"slug":50,"parentId":7},{"id":1137,"first_name":1160,"name":1161,"slug":1162,"specialty":1163,"picture":1164,"region":1165},"Harper","Brooks","harper-brooks","Wealth Advisor","veronique",{"code":11,"country":1166},{"code":1142,"name":1167},"Etats-Unis","\u003Cp>The New Orleans Saints restructured tight end Juwan Johnson's contract in March 2026, converting a portion of his base salary into a signing bonus to free up $6.29 million in salary cap space. For the franchise, the math was clean. For Johnson — who earned his deal through a standout 2025 season of 77 catches, 889 yards, and three touchdowns — the transaction meant navigating a fundamentally different financial arrangement, with different tax treatment, different timing, and different long-term implications.\u003C\u002Fp>\n\u003Cp>Johnson had a team of agents and certified financial advisors to manage that transition. Most Americans facing a similar conversation with HR do not.\u003C\u002Fp>\n\u003Cp>In 2026, compensation restructuring has become one of the most common — and least understood — financial events in the American workplace. Employers across industries are asking workers to sign new arrangements that swap base salary for deferred compensation, convert guaranteed bonuses to equity, or shift annual payouts into multi-year vesting schedules. In each case, the employee faces the same underlying challenge Juwan Johnson did: a rewritten deal that looks equivalent on paper but carries financial implications that are anything but simple.\u003C\u002Fp>\n\u003Ch2 id=\"what-restructuring-actually-does-to-your-compensation\">What \"Restructuring\" Actually Does to Your Compensation\u003C\u002Fh2>\n\u003Cp>In the NFL, a contract restructure typically converts base salary into a prorated signing bonus. Because signing bonuses can be spread across contract years for salary cap accounting, the team reduces its immediate cap charge — while the player receives the money differently than originally structured. The restructure does not change Johnson's total contract value, but it changes \u003Cem>when\u003C\u002Fem> and \u003Cem>how\u003C\u002Fem> that money is taxed and received.\u003C\u002Fp>\n\u003Cp>Corporate compensation restructures work on the same principle. Common mechanisms include:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Non-qualified deferred compensation (NQDC) plans\u003C\u002Fstrong>: a portion of base salary or bonus is deferred to a future date, reducing the employer's immediate payroll burden\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Equity-for-cash swaps\u003C\u002Fstrong>: base salary is partially replaced by stock options or restricted stock units (RSUs) that vest over 2–4 years\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Guaranteed-to-variable conversion\u003C\u002Fstrong>: a fixed annual bonus is replaced by performance-tied variable pay\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Each has a different tax profile. Each carries different risk. And each creates specific legal obligations — for employers and employees — that most workers only discover after signing.\u003C\u002Fp>\n\u003Ch2 id=\"the-409a-number-every-employee-should-know\">The 409A Number Every Employee Should Know\u003C\u002Fh2>\n\u003Cp>The single most important figure in any deferred compensation arrangement is the penalty attached to getting it wrong: \u003Cstrong>20%\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Under IRS Section 409A, which governs virtually all non-qualified deferred compensation in the United States, any plan that fails to comply with distribution timing, election, and documentation requirements triggers immediate and severe consequences. If a plan is found to be non-compliant:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>The \u003Cstrong>entire deferred balance\u003C\u002Fstrong> across all years becomes immediately taxable income in the year of violation — not the year of distribution\u003C\u002Fli>\n\u003Cli>A \u003Cstrong>20% excise tax\u003C\u002Fstrong> is added on top of ordinary income tax\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Interest\u003C\u002Fstrong> accrues from the year the amounts vested, not from the date of the error\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The combined impact is striking. For a worker in the 37% federal bracket with $100,000 in deferred compensation, a Section 409A violation produces: $37,000 in federal income tax, $20,000 in excise tax, and accrued interest — total exposure exceeding $60,000 on a deferred amount that has not yet been paid out. As Eqvista's 2026 compliance review confirmed, total tax burden can easily exceed 60% of the original deferred amount when state taxes are added.\u003C\u002Fp>\n\u003Cp>Critically, the violation does not need to be the employee's fault. Plan documentation errors, missed amendment deadlines, or administrative failures by the employer's HR team can all trigger penalties that fall on the employee. According to IRS guidance, noncompliance results in immediate taxation regardless of who made the error.\u003C\u002Fp>\n\u003Ch2 id=\"the-hidden-risk-no-one-mentions-at-the-signing-table\">The Hidden Risk No One Mentions at the Signing Table\u003C\u002Fh2>\n\u003Cp>There is a second risk in deferred compensation that is rarely explained: \u003Cstrong>these assets are unsecured\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Unlike 401(k) contributions — which are held in a segregated trust protected under ERISA — NQDC plan balances remain on the employer's books as a general liability. If the company faces bankruptcy or insolvency, deferred compensation balances rank as unsecured creditor claims. They are not insured, not protected, and not guaranteed.\u003C\u002Fp>\n\u003Cp>In recent years, corporate bankruptcy filings in the U.S. have climbed steadily. Workers at mid-size companies who accepted deferred compensation packages have found themselves in bankruptcy proceedings, waiting in line alongside lenders and vendors for pennies on the dollar.\u003C\u002Fp>\n\u003Cp>Johnson's restructured NFL contract faces no such risk — the Saints are an established NFL franchise with a stable revenue stream. An employer in a cyclical industry, a startup, or a leveraged buyout situation presents a fundamentally different risk profile for deferred compensation.\u003C\u002Fp>\n\u003Ch2 id=\"when-a-185-000-salary-became-a-22-000-problem-a-concrete-case\">When a $185,000 Salary Became a $22,000 Problem: A Concrete Case\u003C\u002Fh2>\n\u003Cp>Consider Marcus, a 38-year-old senior account executive at a Chicago-based technology firm earning $185,000 base salary and a guaranteed $45,000 annual bonus. In early 2026, his employer proposed restructuring his compensation: reduce the guaranteed bonus to $20,000, with the remaining $25,000 moved into a newly created NQDC plan distributing in three years at a 4% annual growth rate.\u003C\u002Fp>\n\u003Cp>On paper, Marcus loses nothing — he receives the same total compensation over time, and his deferred amount earns a modest return.\u003C\u002Fp>\n\u003Cp>Here is what the proposal did not disclose:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>If Marcus signs without professional review\u003C\u002Fstrong>: The NQDC plan contains an administrative defect in its Section 409A distribution election timing — a common issue in newly created plans. When his company's legal team identifies the error during a routine audit in Year 2, the $50,000 accumulated balance becomes immediately taxable. At his marginal rate plus the 20% excise tax, Marcus owes approximately $28,500 in additional taxes that year — before receiving a single distribution. Additionally, because the plan is unsecured, if the company is acquired and the new ownership decides to eliminate the plan, his deferred balance may be forfeited entirely under the plan's "change of control" clause, which Marcus never noticed when signing.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>If Marcus consults a wealth manager before signing\u003C\u002Fstrong>: A certified financial planner or wealth advisor reviews the plan documents, flags the Section 409A compliance exposure, identifies the unsecured creditor risk, and negotiates for accelerated vesting triggers tied to company performance. The advisor also models the tax scenario: Marcus's deferred compensation will distribute in a year when his income is projected to be lower (he plans to take partial leave), potentially saving him $8,000–$11,000 in federal income tax through timing alone.\u003C\u002Fp>\n\u003Cp>Cost of professional review: $600–$1,400 for a one-time compensation package analysis. Potential financial exposure without it: $22,000–$75,000 in taxes, penalties, or lost deferrals.\u003C\u002Fp>\n\u003Cp>The if\u002Fthen calculus is clear: if you accept a restructured compensation agreement without reviewing plan documents with a qualified wealth advisor, you are accepting quantifiable financial risk — risk that a one-time professional consultation can significantly reduce or eliminate.\u003C\u002Fp>\n\u003Ch2 id=\"what-the-saints-player-s-situation-should-prompt-you-to-do\">What the Saints Player's Situation Should Prompt You to Do\u003C\u002Fh2>\n\u003Cp>Juwan Johnson enters the 2026 season as the Saints' unquestioned TE1, with analysts projecting continued production following his career-best 2025 campaign. His March 2026 contract restructure was handled efficiently and professionally. He will not spend this season worrying about deferred compensation tax exposure.\u003C\u002Fp>\n\u003Cp>For anyone else who gets called into HR for a "compensation adjustment conversation" this year, the steps are straightforward:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Request full plan documentation before signing.\u003C\u002Fstrong> Plan participants are entitled to review all terms — including distribution triggers, vesting schedules, and forfeiture conditions. If HR cannot provide documents within five business days, ask in writing.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Ask specifically about Section 409A compliance review.\u003C\u002Fstrong> Confirm the plan has been reviewed by outside counsel. If the answer is uncertain, that is a significant red flag.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Assess the unsecured risk.\u003C\u002Fstrong> Ask directly whether the plan is funded or unfunded. If unfunded (most NQDC plans are), understand that your deferred balance is a general asset of the employer.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Model your tax scenario.\u003C\u002Fstrong> A wealth manager can project your effective tax rate in the distribution year and compare it to your current bracket. Distributions in high-income years can push workers into the 37% federal bracket, wiping out most of the growth on deferred balances.\u003C\u002Fp>\n\u003Cp>The IRS provides formal guidance on Section 409A requirements at \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fretirement-plans\u002F409a-nonqualified-deferred-compensation-plans\">irs.gov\u003C\u002Fa> — though this guidance is written for plan administrators, not participants, which is precisely why professional translation matters.\u003C\u002Fp>\n\u003Cp>Compensation restructuring is a normal part of business. Signing one without understanding what you're agreeing to is not. Before you initial anything, get your team in place.\u003C\u002Fp>\n\u003Cp>\u003Cem>This article provides general financial and tax information for educational purposes only. It does not constitute professional financial, tax, or legal advice. Consult a qualified wealth manager, tax professional, or attorney before making decisions about your compensation structure.\u003C\u002Fem>\u003C\u002Fp>\n",{},[]]