It's OL Masterminds this week! And in this episode of the AWM NFL Player's Podcast, hosts Riccardo Stewart, Jeff Locke, Sam Acho, and Zach Miller take use behind the curtain of the business side of professional football for the players at OL Masterminds. Their aim is to show how athletes can capitalize on this opportunity to create, capture, and protect their value both on and off the field. The team also shares practical stories and hard-earned lessons on maximizing contracts, building trusted ...
Jul 09, 2025•11 min•Ep. 60
Hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho call the plays on one of the toughest challenges in wealth: sustaining it for generations. They break down what the stats really say—among families with $30M+ in assets, only 30% successfully hand wealth to their kids, and just 10% to grandkids. Through the lens of the athlete as CEO, the team outlines what it really takes to keep the family scoreboard lit for decades to come: real strategy, meaningful stewardship, and a clear sense o...
Jul 06, 2025•13 min•Ep. 59
This week, Riccardo Stewart is joined by Jeff Locke, Zach Miller, and Sam Acho to lay out the real strategy behind turning an NFL contract into generational strength. Using Brock Purdy’s $265 million deal as the case study, the team walks through the “Create, Capture, Convert” playbook—revealing what truly separates short-term paydays from enduring family legacy. With firsthand stories from both the field and the front office, the hosts get tactical on tax, cash flow, philanthropy, and what it m...
Jun 30, 2025•16 min•Ep. 58
Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho gather in the front office to tackle the big question facing every pro: you’ve built your value—how do you really capture it? They pull back the curtain on high-stakes negotiations, using the Brock Purdy contract as a case study. Jeff breaks down why the numbers on NFL deals rarely tell the full story, especially compared to MLB and NBA. Zach and Sam get specific, explaining the split between truly guaranteed money and what’s just ink on pa...
Jun 23, 2025•15 min•Ep. 57
Riccardo Stewart joins Zach “The Truth” Miller, Sam “The Mayor” Acho, and Jeff “The Professor” Locke to draw up the playbook behind becoming the CEO of your own career as an NFL player. With Brock Purdy’s path—from Arizona high school standout, to last pick in the draft, to signing a $265 million extension—as the backdrop, the team unpacks what really drives value for pro athletes: performance, preparation, grit through setbacks, and knowing exactly who belongs in your circle. The conversation l...
Jun 16, 2025•12 min•Ep. 56
In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by Sam Acho, Zach Miller, and Jeff Locke to break down “The Three I’s” of athlete financial strategy: independent, integrated, and individualized advice. Pulling from real scenarios and the unique demands facing today’s NFL players, the team spells out what it means to have your Family Office working exclusively for you the AWM Way. This episode offers athletes and their families a direct look into the non-negotiables for ef...
May 28, 2025•15 min•Ep. 55
In this episode of the NFL Players' Podcast by AWM Insights, host Riccardo Stewart is joined by Zach Miller, Jeff Locke, and Sam Acho to explore the various financial advising options available for NFL players. The team discusses the different types of financial advisors and the benefits of a family office tailored for athletes. This episode is a must-listen for players looking to effectively manage and grow their wealth. The discussion contrasts traditional financial advisories with more specia...
May 05, 2025•19 min•Ep. 54
In this episode of the NFL Players' Podcast, host Riccardo Stewart and his co-hosts Jeff Locke, Sam Acho, and Zach Miller explore the essentials of building a strong financial team for NFL players. They dive into the nuances of transitioning from relying on a single financial advisor to curating a team dedicated to managing multi-generational wealth. Highlighting the complexities and responsibilities that come with increased wealth, the hosts share insights into the critical roles within a finan...
Apr 28, 2025•11 min•Ep. 53
In this episode of the AWM NFL podcast, host Riccardo Stewart is joined by Sam Acho, Jeff Locke, and Zach Miller to explore situational investing for NFL players in volatile markets. Drawing parallels between situational football and market strategies, they discuss how athletes can capitalize on current market conditions while managing risk. Gain invaluable insights into sticking to financial plans and viewing market downturns as opportunities rather than obstacles. Key Highlights: • The importa...
Apr 25, 2025•12 min•Ep. 52
Join host Riccardo Stewart and his insightful co-hosts Sam Acho, Jeff Locke, and Zach Miller in this episode of the AWM NFL Podcast as they dive into the critical importance of having a team to manage the complexities of wealth for NFL athletes. Discover the benefits of moving from a single advisor to a coordinated team, as they share personal experiences and expert insights on wealth management, tax strategy, and creating multi-generational wealth for professional athletes. Key Highlights • Exp...
Apr 17, 2025•12 min•Ep. 51
In the 50th episode of the AWM NFL Players Podcast, hosts Riccardo Stewart, Zach Miller, Sam Acho, and Jeff Locke explore the complexities of public vs. private investments. They dive into the distinctions between these markets, highlighting access, regulation, and investment opportunities. Tune in for expert insights on how to navigate these options and understand their long-term impact on wealth creation. Key Highlights Definition of "the market" and its historical context. Differences between...
Mar 23, 2025•13 min•Ep. 50
In this episode of the AWM NFL Players’ Podcast, host Riccardo Stewart is joined by Sam Acho, Jeff Locke, and Zach Miller as they tackle essential investment concepts every NFL athlete should know. They break down the basics of stocks and bonds, the importance of investing in oneself, and the critical role of diversification in building financial security. Whether you're already investing or preparing to start, this episode provides valuable insights to elevate your financial strategy. Key Highl...
Mar 16, 2025•11 min•Ep. 49
In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by former NFL players Sam Acho, Jeff Locke, and Zach Miller to explore the traits and skills essential for professional athletes aiming to build multi-generational wealth. Together, they discuss the importance of knowledge, communication, and discipline, highlighting insights from their experience both on the field and within the family office advisory space. Tune in for actionable strategies and thought-provoking conversati...
Mar 09, 2025•10 min•Ep. 48
Join host Riccardo Stewart and co-hosts Zach Miller, Jeff Locke, and Sam Acho as they explore the concept of "paying your future self" in Episode 47 of the AWM NFL Podcast. The discussion navigates through personal and financial strategies for NFL athletes, emphasizing the importance of planning early to ensure long-term prosperity. This episode offers invaluable insights into achieving enduring financial stability and lays the groundwork for securing a flourishing legacy for athletes and their ...
Mar 02, 2025•14 min•Ep. 47
In this latest episode of the AWM NFL Podcast, hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho dive into the fundamental question every high-earning athlete faces: "Where does my money go?" They discuss the Four Uses of Money framework designed to help NFL players plan for taxes, spending, giving, and saving. With insightful advice and real-life examples, this episode provides a valuable roadmap to managing wealth effectively. Key Highlights : Explore the inevitable reality of taxe...
Feb 23, 2025•9 min•Ep. 46
In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by Jeff Locke, Zach Miller, and Sam Acho to explore the playbook for achieving multi-generational wealth for NFL athletes. They dive into how athletes can leverage their human capital—physical, intellectual, and social—and outline the crucial steps for managing income, taxes, spending, saving, and investing. The team emphasizes the importance of having a strong support system, from financial planners to wealth advisors, to e...
Feb 18, 2025•11 min•Ep. 45
In Episode 44 of the AWM NFL Podcast, Riccardo "Coach" Stewart is joined by Zack "The Truth" Miller, Sam "The Mayor" Acho, and Jeff "The Professor" Locke, to discuss effective financial strategies for NFL players during the offseason. The hosts delve into topics such as offseason training plans, maintaining physical fitness, understanding NFL pay structures, and the importance of postseason financial meetings to ensure long-term financial success. This episode provides essential insights for pla...
Jan 26, 2025•13 min•Ep. 44
In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by NFL veterans Zach Miller, Sam Acho, and Jeff Locke to discuss the thrilling NFL playoff season. The conversation goes beyond the field to explore the vital off-field aspects, including financial implications and preparations unique to this stage. Tune in for first-hand playoff experiences, financial insights, and advice on managing both expectations and earnings during this intense time. Key Highlights Sam Acho shares the...
Jan 21, 2025•11 min•Ep. 43
Key Highlights: Analysis of the benefits and timing of entering the Transfer Portal, especially during coaching changes. Discussion on evaluating promises made by coaches and their impact on transfer decisions. Advice on prioritizing long-term financial success and career goals over immediate NIL offers. Explorations of NIL agent roles and the necessity of choosing trustworthy representation. Emphasis on maintaining focus on athletic performance while making strategic career moves. Quotes: "Thin...
Dec 30, 2024•14 min•Ep. 42
Key Highlights Introduction to human capital and its components: physical, intellectual, and social capital. Jeff Locke explains human capital's importance for athletes in maximizing their value. Sam Acho discusses the significance of developing multiple dimensions beyond athletic performance. Zach Miller joins in to illustrate how physical capital directly impacts wealth generation in the NFL. Sam Acho shares a personal story on the nuances of leveraging social capital effectively. Quotes "Huma...
Dec 22, 2024•13 min•Ep. 41
KEY HIGHLIGHTS: —NFL players often show generosity at a granular level by supporting people within their facilities. —The impact of end-of-year giving and its benefits for both givers and recipients. —Utilizing a donor-advised fund allows athletes to maximize their charitable giving opportunities. —Strategic charity not only benefits recipients but also provides tax advantages for players. —Step-by-step guidance on initiating a donor-advised fund for effective giving. QUOTES: —"Giving helps unlo...
Dec 15, 2024•11 min•Ep. 40
Key Highlights Sam Acho shares the importance of understanding the value of a supportive financial team during an NFL career. Jeff Locke emphasizes getting transparent details in writing about how advisors are paid to avoid unnecessary costs. Zach Miller discusses the unique investment opportunities for athletes and the importance of customized financial plans. Insights are provided on how taxes and NFL benefits should be integrated into an athlete’s financial strategy. Practical advice is given...
Dec 05, 2024•11 min•Ep. 39
Key Highlights: —Explanation of compound interest with examples, including the famous "Rule of 72." —Discussions on how young athletes can leverage their age for significant long-term investment growth. —Strategies for ensuring diversified investments to prevent losses from impacting compound growth. —Practical advice on where to start investing, including tax-advantaged accounts like Roth IRAs and solo 401ks. —Emphasis on the importance of patience and a long-term mindset in investment strategi...
Dec 04, 2024•11 min•Ep. 38
Key Highlights: Examination of the skills required to sustain multi-generational wealth, covering taxation and cash flow management. Insights on accessing and benefiting from private market investments. Importance of comprehensive planning for life events like marriage and family based on personal experiences. Differentiating the roles of agents, marketing teams, and family office advisors in an athlete's financial management. Quotes: "The best private investments don't need your money... access...
Nov 10, 2024•13 min•Ep. 37
Key Highlights: Learn why assigning a job to every dollar is key to financial stability. Explore the balance between saving what you have and investing it wisely. Discover the different roles your money can play—like short-term reserves and long-term growth. Understand why hard financial decisions are crucial to hitting your goals. Hear why assembling a reliable financial team makes all the difference. Quotes: "The job of each dollar tells you how to invest, not the other way around." – Jeff Loc...
Nov 04, 2024•12 min•Ep. 36
Key Highlights: —Discussion on aligning client priorities with their wealth to effectively manage and spend money. —Jeff Locke advises against traditional budgeting, focusing instead on trade-offs and priorities. —Zach Miller emphasizes understanding individual needs, wants, and wishes. —Sam Acho highlights the joy and satisfaction derived from giving and how it counteracts greed. Quotes: —"Priority means you have to place certain things over others." – Jeff Locke —"Giving unlocks the grips of g...
Oct 28, 2024•13 min•Ep. 35
Key Highlights Understanding Income Streams : Jeff Locke breaks down the three main income types for NFL players—W2, 1099 endorsement income, and investment income—and their tax implications. Rookie Tax Mistakes : Sam Acho discusses common missteps in charitable giving and introduces the concept of a donor-advised fund to enhance giving strategies. Avoiding Tax Penalties : Zach Miller shares his personal experience of overpaying taxes and emphasizes the importance of integrated tax and investmen...
Oct 18, 2024•13 min•Ep. 34
Key Highlights: The importance of investing in physical capital to secure and extend NFL contracts. The role of intellectual capital in building a sustainable future post-NFL career. Insights on cultivating social capital—how reputation and community involvement impact legacy. Strategies for maintaining balance between physical, intellectual, and social capital growth. Zach Miller’s personal experience with leveraging physical capital for professional advancement. Quotes: "You're only in your ea...
Oct 14, 2024•14 min•Ep. 33
Key Highlights : The critical importance of week three for NFL players earning a credited season. Explanation of how becoming a vested veteran significantly enhances player benefits. The breakdown of key benefits: pension, 401(k), cap plan, and health insurance. Personal anecdotes from the hosts about how these benefits have impacted their financial outlook. The concept of "mailbox money" as it applies to NFL player benefits. Quotes : "A lot of NFL players just made a lot of money. They just don...
Oct 07, 2024•10 min•Ep. 32
Key Highlights Explanation of the "shirt sleeve to shirt sleeve" concept and its relevance to wealth management. The true meaning of multi-generational wealth and its importance for athletes. Determining the amount of net worth NFL players need to sustain multi-generational wealth. Detailed discussion on controlling spending to ensure wealth preservation. Identifying and overcoming roadblocks in achieving multi-generational wealth. Quotes "It's easy to make money or to build wealth. It's hard to...
Sep 27, 2024•13 min•Ep. 31
