The Collective Bargaining Agreement (CBA) is scheduled to expire on March 1, 2011. Art Hurley and his Game Plan team recommend that both active and retired players alike prepare a revised "financial game plan".

For active players, the NFL Players Association has advised you to save a minimum of 25% of your 2010 salary in order to be ready for a potential lockout which would have a dramatic effect on your financial situation. Game Plan can help you evaluate your monthly expenses and cash flow, and show you how to set up a plan to save 25% of your income which is key to successfully bridging the lockout.

Game Plan encourages you to have a savings plan in place where your money is easily accessible. Art's team can help you budget, and forecast how long your savings will last. Additional advice for active and retired players includes postponing large purchases, and working with Game Plan to manage your credit score.

Without a new agreement in place by March, please note that the following important changes will take place:

• Cigna group health insurance benefits end for active & retired players on March 1, 2011;
• No new contributions will be made to the GU HRA Plan;
• Last credited season will be 2010;
• No tuition reimbursement.

You only have one season left to save! Call Art Hurley at Game Plan today at 561-367-1040 or click here to email Art. He can work with you to develop and implement a comprehensive savings plan. Don't wait until change occurs to take action especially if your family is relying on you for financial support during the lock out! Art and his team can review your short and long term goals and evaluate potential obstacles. If you take the proper financial steps now, Game Plan can help to ensure that you are prepared for the lockout.