OL Masterminds: How to Create, Capture and Grow Your Value - podcast episode cover

OL Masterminds: How to Create, Capture and Grow Your Value

Jul 09, 202511 minEp. 60
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Episode description

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 advisory teams, and avoiding the common pitfalls that threaten a player's chances to build wealth. With honest, straight-up advice and real-world examples, this episode is a must-listen for both players attending OL Masterminds and any athlete looking to build a legacy and turn short-term earnings into lasting multi-generational wealth.

Some of the key moments:

  • OL Masterminds is spotlighted as an important training ground where top offensive linemen invest in sharpening skills and building career value, under the same roof as Hall of Famers and leaders who have set the standard.
  • The urgency of value capture is illustrated through Trey Smith’s leap from early paydays to becoming the NFL’s highest-paid guard within a single year, showing how quickly fortunes can shift for those ready to capitalize.
  • We also set a warning for athletes: with contract dollars comes an influx of agents, advisors, and others seeking to join the team, many with unclear motives. Aligning incentives and demanding transparency—especially steering clear of “free service” red flags—is essential.
  • Selecting your wealth team requires the same scrutiny as building a locker room: mentorship, true expertise, and rock-solid alignment of incentives override empty friendship or unqualified offers.
  • The hosts recap a guiding four-part approach to wealth that underpins every play: create value as the athlete, capture it through contracts, convert it into sustainable resources, and continue it across generations—laying the groundwork for a 100-year family.
  • Listeners are invited to reach out directly for practical support in assembling their front office for enduring family stewardship.


If you're an athlete and you've got questions, reach out to us at 602 989 5022, or learn more at athletefamilyoffice.com.

Transcript

Riccardo Stewart

Hey, I wanna welcome you guys back to another episode of the A-W-M-N-F-L Podcast. My name is Ricardo Stewart. I have the pleasure of being your host and uh, I'm always joined with my three closest friends, coworkers, and, uh, partners in crime. So we got Jeff Locke, Sam Acho, and Zach Miller.

If you guys have been tracking these past few episodes that we've been able to record, which by far have been my favorite one, primarily looking at NFL athletes as as business, um, as people who are able to create value to be able to capture that value, convert it, and then to continue it. And essentially we looked at Brock Purdy's, uh, contract and be able to broke it, break it down, and.

And then in light of all NFL athletes and today, just kind of an addendum to that, I wanna talk about something that's going okay as we're recording this. It's the first week of July, uh, almost July 4th. Everyone's getting ready to, to go barbecue, go on vacation. Me and Zach in Arizona, so people in Arizona are trying to get out of Arizona to, to cooler climates and, but NFL athletes are going to report here soon.

Whether you're a receiver, you're a db, you're a quarterback, you're kind of getting that last minute training in. And there's, there's one event that goes on in Sam's hometown in Dallas that's hosted, uh, that hosts a ton of the top O linemen in, in the NFL, as well as some of the top NFL prospects of college o linemen. It's called Oline Masterminds. And I wanna just take a look and, and think about from the athlete's perspective of what does it look like when I think about capturing.

Meaning or creating value, right? And then capturing, getting paid for that value, converting it, investing and growing it, and then continue it into life uniquely as it relates to Old Lion Mastermind. And so let's start with the mastermind slash mayor himself, Sam Macho. In terms of the athletes that are coming here from a human capital perspective, um, why would O lineman even go to this?

Sam Acho

Well, the reason O lineman would go to OL Masterminds is twofold. Number one, they want to create value, they wanna make money. Just put it simple, right? Lemme lead with the headline. They wanna make As much money As possible. And how do you make as much money as possible by making yourself more valuable to your team? And so they're trying to create value. They're trying to be better pass blockers, better run blockers better in their craft. And so they're learning from the best in class.

They're learning from people who have gone where they want to go, who have seen what they couldn't imagine, and who have done what they wanna do from Hall of Famers, future Hall of Famers, guys who have done it all. And so they're trying to create value. because they understand that it's a very short window, that there exists a very short window for them to maximize IE to capture that value. Now, here's the difference. In the NFL, there is a window for you to capture value. You might create it.

You have to be able to capture it, meaning get paid for that value. Think about it, the highest paid guard right now, Trey Smith makes over 23 million last year. And all this stuff is widely known. He was making 2 or 3 million, and so in the span of one year. He made about 20 million. But if he can actually learn how to capture that value for a long-term contract, that two, that 20 million could turn into 200 million.

And so there is an opportunity for players, offensive linemen specifically to be able to create and capture value. And so that's why they're there. They're there to create the value to capture it, and ultimately to. get paid

Riccardo Stewart

My man, Sam over here dropping that knowledge. I usually reserve that for the truth. But hey, continuing on that Zach, you were an elite college athlete. You were an elite NFL athlete. And so with that comes this ideal of people know you are, and there are people who want to be around you. So let's just be honest. O Linemen aren't the only people that are gonna show up to OL Masterminds.

And even though you were tied in, we probably should be talking about tied in you, but we're talking about O Line Masterminds. Who are the people that are around them that are not o linemen, and why are they there and what do they particularly want, um, relationships with these particular athletes for?

Zach Miller

there's there's two parts to it. The more successful you are, the more people are going to want to be around you. If you're a top tier offensive lineman, you're going to have people that want to be a part of your team. And what I wish I knew earlier was there's also people that maybe don't have your best interests at heart. They want to, and this is anyone that has money or is going to get money. You have to be extremely skeptical once you have money to be able to protect it.

Because people will, this is America, people will see you as a mark. They will want to try to separate you from some of that money. Which is fine. That is like some of them are providing a service or their transactional or all of those things. So what can you do about it? Align the interests of the people that work with you with yourself. And this, I mean, this is no different than how agents get paid. The bigger the contract, they take a percent of that. They get paid more.

Same thing with advisors. You want to align their incentives. You want as much as you can. Get them to work towards the same goal as you. And so as much as you can get in front of that, because you're gonna, you're gonna be wealthy to keep that wealth. You have to have that game plan of making sure that you can sustain it. And that involves not doing bad deals, being wary of people that are. Either trying to take advantage of you or benefit themselves over yourself.

So you got to do your research when you're working with professionals. And that includes on your financial team, that includes your agent, that includes anyone, anyone that helps you start a business attorneys, all the above.

Riccardo Stewart

So we use this language, Zach, and you've said it. Sam said it. We say it a lot. Team that, that, that word team. And most of us, we've never chosen a team. A team has chosen us, right? We choose to go to a particular high school. Maybe we choose to go to college, but we didn't choose the team. That team was already there.

We get drafted to a particular organization, but now that we are there, and now that you are at O Line Mastermind and that you're about to make, or you are already making millions, you now choose a team that goes back to us talking about you being the business, you sitting on the top, the business of you, and you hiring particular people. Jeff, the professor, how does one go about choosing the appropriate team?

Jeff Locke

We've all been through this, this is extremely difficult. Like you just said, this is a brand new world. Sam, Zach and I, when we got drafted in the NFL, like, We didn't know what was up, and we were like pretty smart dudes getting drafted in the NFL, right? Or at least we think we were, some people say we were, right? But like, we still had no idea all the nuances with agents, and advisors, and trainers, and all the, like, chefs, personal trainers, all these different things.

We had no idea of the nuances, right? So you gotta find, one, mentors. That will help you, right, to kind of know the difference between all these people. Like Zach said, you gotta find people in alignment with what you want. If I, the player, win, they also win, right, not the other way around. Not, they win, I lose, right? And one thing we've all seen, which we hate, is there's a lot of people out there that just want to be your friend. Or your buddy, right?

And then convert that into them extracting value from you at some point. Just straight up. We see it all the time in our industry. So one, you gotta find the people that are actually experts. And those experts actually want to get paid for what they do. So a red flag for you is when someone's like, no, no, no. I'll just do all this stuff for free for you. No, it's cool. That's cool. We'll figure it out later. Right. That's like a huge red flag. People like us, right.

We'll be your friends, but we're your mentors and we're people that work for you. Point blank And we expect to get paid. Because we're experts in what we do. So look out for those red flags, ask the tough questions, right? And it's gotta be in alignment that win-win

Riccardo Stewart

I love it. I love it. Let me, let me wrap up this one, this episode and the previous four. This is recap one, we athletes as NFL athletes, you are the artist, meaning you create the value and you do that through your human capital, your physical, your social, and your intellectual. When you create value, you hire the right person. Usually an agent. That begins to find teams, brands, companies, to compensate you for that value. Once you've created it, now you capture it.

We use Brock Purdy as an example, meaning he's now got this contract and you can go back and listen to the episodes as Zach does a great job at breaking down what's guaranteed, what is cap and skill and what does that even mean, but you capture. Okay. Now what really matters is not just the contract, it's after tax dollars. And then what do you do with that to create multi generational wealth? Like how do you convert that contract into dollars? We've said it before.

If you make dollars, you better make sense. And if you're making sense of your dollars, the last thing you gotta do after creating, capture and converting, you gotta continue it. There's a wisdom that comes with that to be able to create multi generational wealth. And Jeff, himself, the professor just wrapped it up together, is you gotta, you gotta find a team, as Zach said, uh, that aligns to your values.

And so if you wanna know what does that mean, um, how do I find that I want more resources, please reach out to us. Our number is 6 0 2 9 8 9 5 0 2 2.

Zach Miller

Yeah.

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