Maximize Your Academy Sports + Outdoors Benefits
Turn Your Benefits Package Into a Winning Financial Strategy
Your Academy benefits package — from the generous 6% 401(k) match and Roth 401(k) option to the 15% employee stock purchase plan discount, tax-advantaged health savings account (HSA) and restricted stock units (RSUs) — could be the foundation of significant wealth building. We provide specialized expertise to transform these valuable benefits into a comprehensive financial strategy that works for your unique situation.
We welcome you to schedule a discussion with Scott Key. During this discussion, you will:
- Share your current situation and goals
- Get your Academy benefits questions answered
- Discuss building your personalized financial strategy
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A Financial Plan That Is Unique to You
Our personal financial advisors partner with you to create a custom-tailored financial strategy that maximizes your Academy benefits package. We provide comprehensive guidance on your 401(k) plan, employee stock purchase plan, HSA options and RSUs, demonstrating how these integrate with your personal financial goals.
Your advisor will work with you to understand your mindset, your view on money, and how your life and money connect through our proprietary HonestConversations® exercise. They will then create a plan based on your goals, needs and risk preferences with your values, priorities and beliefs at the center. We build a customized retirement blueprint, which includes detailed projections for retirement savings, tax optimization strategies and benefit maximization techniques specific to Academy employees.
A Completely Customized Portfolio
Your advisor determines your ideal asset allocation and constructs a portfolio that connects with your plan and preferences to maximize your return on life.
We act as your strategic liaison, guiding you through the complex coordination between Academy's benefit providers — including Fidelity (401(k)), the employee stock purchase plan, the restricted stock vesting plan and WEX (HSA administration) — to help ensure seamless benefit optimization. Scott and his team navigate these benefits within the compliance approved landscape of Academy (e.g., trading windows, 10b5-1 trading plans, stock ownership requirements and pre-authorization for restricted stock sales).
You can expect your portfolio to:
Include a curated set of investment managers and strategies
Receive ongoing oversight and performance management
Reflect your goals and risk tolerance
Comprehensively incorporate your Academy benefits
Our Expertise in Academy Sports + Outdoors Benefits
Our mission is to guide retail professionals like you toward financial independence. Unlike generalist planners, we have cultivated deep, authoritative knowledge of the Academy Sports + Outdoors benefits ecosystem. We are strategic stewards of your growth, turning benefit complexity into a financial advantage.
The Academy 401(k) Plan
We help you maximize the 6% dollar-for-dollar company match and implement strategic contribution strategies between your traditional 401(k) and Roth 401(k) for long-term wealth building.
Employee Stock Purchase Plan (ESPP)
We navigate the powerful 15% discount opportunity and develop tax-efficient strategies for managing your Academy stock purchases and diversification.
Health Savings Account (HSA)
We analyze your medical plan options and create strategies to maximize the triple tax advantage of HSAs for both current healthcare needs and retirement planning.
Restricted Stock Awards
We help you understand and optimize the benefits of receiving restricted stock grants, giving you the opportunity to participate in the growth of Academy while managing risk and taxes along the way.
Your Specialist in Academy Sports + Outdoors Financial Planning
Scott Key
Scott is responsible for developing and overseeing client relationships initiated through the retail referral programs and working directly with financial advisors to assist clients with their goals. In addition to planning, Scott is primarily responsible for portfolio creation and risk management. Keeping clients’ investments in line with their risk tolerance is an important building block to overall success and Scott’s focus on their portfolios ensures clients’ financial planning goals remain in reach.
Scott has over 25 years of experience within the financial services industry. He began his career with Charles Schwab & Co. and has since worked in several financial planning and specialist capacities, including as a partner at Merrill Lynch.
Scott is an Economics and Finance graduate of the Wichita State University School of Business.
Scott currently makes his home in The Woodlands, Texas. He has been married to his wife Emily for more than 25 years and has two children. He enjoys hiking, cycling, and working on cars in his spare time.
More About United Capital
United Capital is one of the largest independent registered investment advisors in the United States, working with more than 13,000 clients, overseeing more than $17 billion in assets under management and employing 100 wealth advisors across 50 offices in 25 states.
Even if you are already working with a financial advisor, we believe United Capital’s comprehensive financial planning offering will be a true value-add and an enhancement to the benefits provided by Academy Sports + Outdoors.