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" ... A critical factor in the preparation of a professional athlete for financial and second career success is the role of a foresightful agent and a financial planner. In the initial decision making process on a college campus--this process can go awry. Athletes who have the help of astute parents, family, friends, or college compliance screening boards will exercise due diligence into the background, track record, and expertise of these experts. They will establish relationships which emphasize long-term planning. An athlete left on his own may sign with an agent whose only skill is negotiating contracts or a financial planner who has the player sign over power of attorney regarding financial affairs. These relationships may be flawed and insufficient from the beginning to provide the holistic counseling and teaching that an athlete needs. Part Five will discuss financial planners. ... "