A private office for jockeys and racing professionals — coordinating tax, protection, property, banking, commercial opportunities, family security and life beyond the saddle.
Most jockeys have advisers. Very few have one trusted relationship making sure the whole picture works together.
One fall, one injury, a loss of rides, a bad run of form or an early retirement can change everything. The right advisers, structure and planning should be in place while the jockey is still riding, not after the career has already changed.
Structure earnings, reserves and protection so a setback doesn't undo years of work.
Turn career earnings into lasting assets through property, planning and proper advice.
Build options, direction and independence long before the last ride, not after it.
If injury, illness, loss of rides or retirement arrived sooner than expected, would the structure around you hold?
The time to answer those questions is not after the fall. That is why protection sits at the centre of the Rowley model.
A GB study of young professional jump jockeys reported 46.2 falls per 1,000 jump rides.
A 2016–2024 Irish study found jump jockeys had the highest injury incidence, at 8 per 1,000 rides.
The PJA states jockeys are required to start paying tax once they have had 20 rides, register as self-employed and file annual Self Assessment returns.
The UK PJA pension scheme is funded through a 0.6% deduction from total prize money.
Sources include GB professional jockey injury research, IHRB / DCU Irish racing injury data, PJA guidance and HMRC / Revenue material.
A racing career is not straightforward. Income can come from riding fees, prize money, retainers, sponsorships, appearances and commercial opportunities. It can be seasonal, variable and unpredictable. One injury, one fall, one loss of rides or one change in form can alter everything quickly.
Most jockeys have someone who prepares accounts and tax returns. That matters. But it is not the same as having someone coordinate the full picture around the career.
is making sure enough is being set aside for tax?
is reviewing protection before injury happens?
is helping the bank understand variable racing income?
is looking at property, family security and long-term planning?
is reviewing sponsorship and commercial opportunities properly?
is making sure the accountant, agent, bank, lawyer, adviser and insurer all work around one plan?
That is where Rowley Private Office sits. Not another disconnected adviser — one trusted relationship, coordinating the structure around the career.
These issues rarely fail because the jockey does not care. They fail because no one is responsible for coordinating them.
Rowley Advisory Partners is a specialist advisory and private-office platform for racing professionals, athletes and private clients, bringing tax, accountancy, advisory coordination, banking, financial planning, mortgages, insurance, protection, property, legal, commercial opportunities, sponsorship and post-career planning together through one trusted relationship.
Rowley was created from a simple observation: racing careers can be brilliant, but they can also be short, unpredictable and exposed. A jockey can be earning well one season and facing injury, loss of rides or uncertainty the next. Too often the support around them is fragmented, an accountant, an agent, a bank, a lawyer, a financial adviser and commercial contacts, but no single trusted person coordinating the full picture.
Rowley exists to change that, to help racing professionals become better informed, better protected and more strategically advised. To put proper plans in place, implement them, and make sure the client and their family are supported across every important area of life and career.
A racing career can change quickly. Injury, loss of form, loss of rides or retirement can all arrive earlier than expected. The right protection, planning and advice should be in place before the client needs it.
Career earnings should become long-term security, tax planning, regulated financial-planning coordination, banking, mortgages, property, insurance, family protection and proper legal structures all working together.
The jockey should never feel like a number or be passed around disconnected advisers. Rowley is built around trust, discretion, personal service and one clear point of contact who stays involved.
Martin Ward is an ACCA Chartered Certified Accountant specialising in tax, accountancy, structuring and advisory support for athletes, entrepreneurs, owner-managed businesses and private clients. With experience across the UK and Ireland, and a wider international network including the UAE, Martin brings the technical and advisory foundation behind Rowley.
Having grown up around family business and racing, Martin understands that success is not just about income today, it is about structure, protection, implementation and long-term security. His role is to act as the client's trusted point of contact, coordinating the right advisers and ensuring every part of the client's position is properly considered.
“We do not simply introduce advisers. We coordinate the ecosystem around the client.”
Where specialist advice is required, we bring in trusted professionals and remain involved, following up, tracking actions and making sure the process is joined up, practical and progressed properly.
Rowley is built for selected clients who value discretion, structure and long-term thinking. The objective is not to work with everyone, it is to look after the right people properly.
Arrange a confidential conversationI have spent my career advising professional athletes, entrepreneurs and private clients on tax, structure and long-term planning. Time and again I have seen the same thing: talented people earning well, but without anyone truly coordinating the picture around them, and discovering, too late, that no one was building security while the money was coming in.
Racing is where this matters most. I grew up around family business and horses, and I understand how quickly a brilliant career can change. A jockey should not reach the end of their riding years and realise the structure, protection and planning were never put in place.
Rowley exists to be the one trusted relationship that coordinates everything around the client, tax, protection, property, banking, commercial and life beyond the saddle, quietly, properly and for the long term. Not a volume agency. A private office, built for racing lives.
Racing professionals often have separate accountants, agents, lawyers, banks, mortgage advisers, insurers and commercial contacts. The problem is rarely the absence of advice; it is the absence of coordination. Rowley sits at the centre of the relationship, bringing the right specialists together and ensuring the client and their family are supported across every important area.
“We do not simply introduce advisers. We coordinate the ecosystem around the client.”
Proactive tax, accounting and structuring for racing professionals with irregular income, sponsorship arrangements, property interests and international movement.
A professional jockey is rarely only an athlete. They are often self-employed, managing irregular income, prize money, retainers, sponsorships, appearance fees and the day-to-day administration that keeps it all clean and compliant.
A single trusted point of contact coordinating the client's wider professional life, ensuring advisers communicate and actions are followed through.
Coordinated access to regulated financial planning through trusted, authorised partners, focused on long-term security and avoiding unsuitable advice.
Support with banking, lending and mortgage conversations for clients whose income may be high-profile, variable or seasonal, and hard for mainstream lenders to read.
In racing, protection is not optional. The right cover protects the client and their family if injury, illness, suspension or career interruption changes everything overnight.
Helping racing professionals turn career earnings into lasting assets through properly structured property and investment planning.
Access to trusted legal specialists to protect the client's commercial value, family position, property interests and long-term security.
A jockey's name, reputation and public profile are commercial assets. We help clients understand, protect and develop that profile in a way that is aligned with their values, career stage and long-term future.
Developing commercial opportunities that fit the client's reputation, values, racing profile and long-term future, and, for selected brands, structured, credible access to authentic racing personalities.
We do not replace good agents or advisers. We work alongside them, making sure commercial opportunities, contracts and adviser input are properly reviewed and aligned with the client's long-term interests.
Building, protecting and managing the client's public profile with the right PR, media and communication specialists.
A jockey should not begin planning for life after racing when the last ride has already happened. We help clients build options, assets and direction while they are still riding.
Where appropriate, we coordinate trusted support around performance, wellbeing, resilience and life outside the saddle.
We work with selected professional and commercial partners who genuinely understand the racing world. The objective is not a referral list, it is a carefully managed circle of trusted advisers, providers and sponsors who can support clients properly.
Many racing professionals are never properly taught the business side of their career. We help clients understand the key areas that affect their money, tax, protection, property, contracts and future.
The jockey's employers, owners and trainers are often the wider racing-wealth network. The same advisory and private-office model supports owners, trainers, breeders, employers and racing entrepreneurs who need trusted structure.
Where relevant, we can coordinate selected travel, logistics and practical support through trusted partners, particularly where this connects to international racing, sponsorship commitments, media appearances or commercial opportunities.
Where appropriate, Rowley can act as the client's representative across commercial, sponsorship and advisory matters, ensuring opportunities are properly reviewed, negotiated and aligned with their long-term interests.
A handful of defined engagements that give the relationship rhythm and structure, each one a considered piece of work, not a transaction.
A comprehensive yearly review across tax, protection, property, family, commercial opportunities and post-racing planning, the moment everything is brought back into one view.
An assessment of vulnerabilities around income, injury, insurance, structure and cash reserves, so the gaps are known and closed before they ever matter.
A dedicated plan for life after racing, covering business, media, bloodstock, property and long-term independence, started while the career is still in full flight.
Continuous management of your trusted advisers so you have one central relationship, and never have to wonder who is handling what.
Each relationship is coordinated through a clear annual plan covering tax, filings, protection, banking, property, contracts, commercial opportunities and post-career planning. The client should never be left wondering who is handling what.
Your focus should be performance, preparation and opportunity. We hold the structure around the career so nothing important is left to chance.
When a career is high-risk and unpredictable, the family position matters most. For many clients, the real goal is not managing a career, it is protecting the people around them.
A training operation is a business with staff, premises, owners and cash flow to manage. We coordinate the accountancy, tax and structure behind the yard so it runs on solid ground, season after season.
No pressure, no noise. We start with a confidential conversation, then move through five considered stages, building and maintaining the right structure around you over time.
A full discovery of your career, income, family, advisers, risks and objectives.
Tax, accountancy, banking, property, protection and commercial position mapped properly.
Insurance, injury cover, family protection, legal documents and risk areas reviewed.
The right advisers brought in and coordinated through one central relationship.
Quarterly check-ins and an annual strategy review to keep everything aligned.
Every relationship follows the same four steps, so you always know where you stand before anything is agreed.
A confidential look at where things stand today — income, contracts, tax position, existing advisers, protection and property — so nothing is assumed.
We map the right structure and priorities, agree what matters most, and set out a clear plan before any long-term engagement begins.
We coordinate the specialists — tax, legal, banking, protection — and put the plan in motion, staying your single point of contact throughout.
Regular reviews keep the structure current as your career, income and circumstances change, season by season.
A confidential review of the structure around your career, money, family and future. We look at what is already in place, what may be missing and what should be prioritised next.
You leave with a clear view of what is in place, what is exposed and what should happen next.
Request a confidential Private ReviewBy introduction or confidential enquiry. Rowley works with a selected number of clients each year.
Rowley is not a menu of packages. It is a single, complete private-office relationship that covers every important area of a racing career and life, adapting in depth and intensity to the client's stage, complexity and needs.
One trusted point of contact, coordinating the full picture, and bringing in the right specialists as life and career require. The scope is comprehensive from day one; the depth scales with the client.
Fees are agreed after understanding current structure, complexity, existing advisers and scope. Specialist regulated advice is delivered by authorised partners; certain compliance and project work is quoted separately.
Three anonymised journeys that show how we work in practice — from the moment things need structure to the outcome on the other side.
A rider enjoying the best season of their career, with income sharply up and no structure behind it — earnings arriving faster than decisions were being made.
Put the right structure and tax planning in place, coordinated banking and protection, and set aside for liabilities before they fell due.
Predictable take-home, tax handled well ahead of deadlines, and protection in place should the season turn.
A senior jockey two or three seasons from retirement, uncertain about what life and income would look like once the riding stopped.
Built a transition plan, coordinated savings and investment through authorised advisers, and opened conversations about commercial roles within the sport.
A clear runway into retirement — options and choices rather than pressure and uncertainty.
A racing family with affairs spanning the UK and Ireland, and a handful of advisers who had never spoken to one another.
Consolidated coordination under one point of contact, aligned cross-border tax treatment, and removed the duplication between jurisdictions.
Joined-up affairs, far less administration, and nothing falling between the two systems.
Illustrative scenarios. Details have been anonymised and adapted to protect client confidentiality.
I want someone who understands racing income.
I want to know my tax is under control.
I want to buy property, but my income is hard to explain to lenders.
I want protection if injury stops me riding.
I want someone to coordinate things properly.
I want advice before something goes wrong — not to be sold products.
Drawn from conversations with jockeys, racing professionals and their families. Named client testimonials will be added as the practice grows.
For jockeys, racing professionals and families who want joined-up advice, representation, protection and planning.
Arrange a confidential conversationRowley is not built to sell products, push unsuitable investments or act as a volume agency. Where specialist regulated advice is required, we coordinate with authorised professionals and remain involved to ensure the client receives joined-up support.
Every relationship is held to the same standard — the things a client should be able to expect, every time.
Deadlines, liabilities and risks are seen early — never sprung late.
One point of contact holds the full picture and is accountable for it.
Considered, discreet and in plain terms — no jargon, no noise.
Actions are tracked and implemented, not just recommended and forgotten.
Every decision is weighed against the career and the life beyond it.
Confidentiality is the default, not a feature — for the client and the family.
Leading firms across tax, law, banking, planning, insurance and property, brought in at the right moment, kept aligned around the client.
UK & Irish compliance, structuring and cross-border planning.
Contracts, image rights, wills and succession.
Banking relationships and bespoke lending.
Financing built for variable, seasonal income.
Pensions, investments and long-term wealth.
Injury, income, life and critical-illness cover.
Acquisition, investment and portfolio support.
Profile, communications and crisis support.
Riding-agent coordination and bloodstock advice.
Specific firms are introduced confidentially as your plan requires.
The strength of the model is not simply knowing people. It is knowing who can be trusted, when to bring them in, and how to keep the client protected while they advise.
Where specialist regulated advice is required, we work with appropriately authorised professionals, and remain involved to help ensure the process is coordinated and actions are progressed properly. Rowley coordinates the process and does not provide regulated investment, mortgage or insurance advice unless expressly authorised to do so.
We host and attend selected fixtures across the season. Private hospitality and introductions by arrangement.
Regulated financial planning, mortgage, insurance, legal and investment advice is provided by appropriately authorised third-party professionals. Rowley coordinates the process but does not provide regulated advice unless expressly authorised to do so.
As accountants and tax advisers, we usually take on the accountancy and tax work directly, so in most cases we become your accountant and tax adviser. Beyond that we coordinate rather than replace: your agent, lawyer, bank and other trusted advisers stay in place, working around one plan.
Entirely. Discretion is central to how we operate. Nothing is shared with any adviser or partner without your explicit consent, and most relationships begin by introduction.
The opposite. The earlier good habits, structure and protection are in place, the more secure the whole career becomes. Our Emerging Jockey programme is built for exactly this stage.
We coordinate regulated financial planning, mortgage, insurance, legal and investment advice through appropriately authorised partners where required. We stay involved to help ensure the process is joined up, but we do not provide regulated advice ourselves unless expressly authorised.
Through a clear annual relationship, agreed up front once we understand your position, complexity and existing advisers. Compliance and project work is quoted separately so there are no surprises.
Yes, both jurisdictions, including cross-border tax, and internationally where a client's racing or residency requires it.
The deadlines worth putting in the diary now, and what to have ready before each one.
Read note →The conversations worth having two or three seasons out, long before the last ride.
Read note →Why the way a deal is written matters as much as its headline value.
Read note →How to present seasonal, uneven earnings so a purchase does not stall at the mortgage stage.
Read note →What a lender-ready picture of racing income looks like, and why it opens doors.
Read note →The essentials every racing family should have in place, long before they are needed.
Read note →Racing across the UK and Ireland, and beyond, without the tax position quietly unravelling.
Read note →Tell us a little about your situation and we'll arrange a discreet, no-obligation conversation at a time that suits you.