Step inside this episode of the AWM NFL Podcast as Riccardo Stewart sits down with former NFL players Sam Acho, Jeff Locke, and Zach Miller for an unfiltered conversation about the realities behind wealth management for athletes. The team shares eye-opening stories from inside the league, reveals the surprising pitfalls most players face with advisors, and explains what it really takes to create lasting generational wealth. Drawing from personal experience and frank opinions, they unpack what makes a true family office and the essential steps athletes must take to protect their futures. If you want to hear the truth about money in the NFL from those who have lived it, this episode brings the playbook you need.

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Chapter Outline
(00:01) Why We Serve NFL Athletes

(01:06) Personal Motivation for Becoming Advisors

(03:04) Early Experiences of Player Advocacy

(06:04) The Value of Lived Experience

(09:13) Challenges and Industry Pitfalls for NFL Athletes

(12:46) Understanding True Family Office Value

(15:01) What to Expect Working with Us

Join hosts Riccardo Stewart, Jeff “The Professor” Locke, Zach “The Truth” Miller, and Sam “The Mayor” Acho as they break down what it really means to take a human-centered approach to wealth management for NFL athletes. This episode explores how identifying your unique needs, wants, and wishes lays the foundation for a financial strategy built around your life, not just your investments. You’ll hear candid stories from the locker room and real-world examples that go beyond the numbers—revealing how personal values and big dreams shape generational wealth. If you're ready for advice crafted for athletes by pros who’ve lived it, this conversation brings a whole new playbook to the table.

Chapter Outline
(00:01) Human-centered approach defined

(01:04) Moving away from one-size-fits-all advice

(03:27) Needs as foundational priorities

(05:16) Wants for lifestyle and fulfillment

(08:24) Wishes for legacy and giving back

(10:46) Aligning investments with personal priorities

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.