NFL Players' Podcast

Hosted by Zach Miller, Riccardo Stewart, Sam Acho, Jeff Locke

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Dec 2025

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About the show

The podcast by NFL players for NFL players. Each week, we break down the biggest events in football and how they directly impact a player's career and money. Join Former NFL Veterans Sam Acho (Bills, Bucs, Bears & Cardinals), Zach Miller (Seahawks & Raiders), Jeff Locke (Vikings, Colts, Lions, 49ers), and college coach, Riccardo Stewart, for a raw and unfiltered conversation about the game, the business, and how players can achieve generational wealth.

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December 19, 2025Episode 7010 min

The Generosity Playbook: Smart Giving for NFL Athletes

Join host Riccardo Stewart alongside Zach Miller, Sam Acho, and Jeff Locke as they tackle the art and strategy of charitable giving for NFL athletes. This episode uncovers the pressures and privileges of generosity, explores the happiness found in giving, and breaks down smart approaches like donor advised funds. With personal stories and practical advice, the team offers pro-level insights to help athletes give confidently and make a greater impact. Whether you're navigating requests from family or searching for tax-savvy solutions, this conversation delivers tools and perspectives to elevate your giving game.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) The Season of Giving and Its Pressures(01:31) The Personal Joy and Impact of Giving(03:07) Navigating the Privilege and Pressure to Give(05:28) Smarter Giving Strategies for NFL Athletes(07:04) Donor Advised Funds Explained

December 12, 2025Episode 6913 min

Protecting NFL Players from Digital Threats

In this episode of the AWM NFL Podcast, hosts Riccardo Stewart, Sam Acho, Zach Miller, and Jeff Locke unpack the critical issue of digital privacy and personal security for professional athletes. Through candid stories and real-life examples, the team discusses why privacy is often overlooked, how even basic personal information can end up online, and the elevated risks that come with wealth and fame. Tune in to learn what every athlete and their advisors need to know about protecting their assets, families, and peace of mind—on and off the field.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) Thanksgiving Reflections and Team Gratitude(00:36) Favorite Christmas Movies and Segue to Privacy(02:15) Privacy Risks for NFL Athletes(03:55) Digital Exposure and Data Vulnerabilities(06:06) The Role of Financial Teams in Athlete Privacy(08:18) Increasing Threats with Greater Wealth(09:53) Practical Protections and Specialist Resources

December 1, 2025Episode 6814 min

The 4 Ts of NFL Investing: Truth, Touch, Time, and Tension

Join hosts Riccardo Stewart, Sam Acho, Zach Miller, and Jeff Locke—NFL veterans with a combined 20 years of experience on and off the field—as they break down the "Four Ts" of investing for professional athletes: truth, touch, time, and tension. Drawing from their personal journeys and financial expertise, the team explores how to identify trustworthy advisors, navigate the relational side of wealth, practice patience amidst high-earning years, and tackle inevitable challenges along the way. If you want to make smarter decisions, build generational wealth, and avoid the common pitfalls NFL players face, this episode delivers candid advice and real-life stories you won’t want to miss.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) The Four Ts of Investing(01:18) The Truth About Advisors and Incentives(03:25) The Importance of Relationship and Trust(06:45) Patience and the Role of Time(09:21) Navigating Tension and Uncertainty

November 19, 2025Episode 6713 min

The 3-Bucket Investment Strategy for Athletes

Join Riccardo Stewart, Jeff Locke, Sam Acho, and Zach Miller on this episode of the AWM NFL Podcast as they break down the path to building multi-generational wealth for professional athletes. The team dives into the fundamentals of investing, using relatable football analogies to unpack the three essential “buckets” every athlete should consider—from safeguarding your financial foundation to accessing exclusive private market opportunities. Drawing from their own careers and insider expertise, they reveal strategies, lessons learned, and what every player needs to know to sustain a legacy far beyond the playing field. Don’t miss this game plan for smart investing and family prosperity.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) NFL Players and the Path to Investing(01:55) The First Bucket—Protective Reserve and Emergency Funds(03:42) Early Lessons and Communicating Financial Foundations(04:45) The Second Bucket—Public Market Investments(06:41) Understanding Public Versus Private Markets(09:02) The Third Bucket—Accessing Private Markets(11:13) Progression and Planning for Multi-Generational Wealth

October 23, 2025Episode 6615 min

Maximizing Your NFL Benefits: How Players Can Turn Overlooked Perks into Millions in Long-Term Value

In this episode of the NFL Players' Podcast, hosts Riccardo Stewart, Zach Miller, Sam Acho, and Jeff Locke dig into the overlooked world of NFL player benefits. Drawing on their combined decades of on-field experience and financial expertise, they reveal the essential perks that every player—and their families—should know about, from retirement savings to insurance options and unique programs that unlock real long-term value. You’ll hear candid stories, eye-opening numbers, and practical advice on making the most of these benefits—whether you’re a current player, a retired pro, or part of an athlete’s support team. Discover how understanding and maximizing these resources can change the game for your financial future.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) Introduction to NFL player benefits(01:11) Personal experiences with NFL benefits(03:33) Important benefits every player should know(05:52) Maximizing and tracking benefits for financial impact(07:50) The advisor’s role in managing benefits(09:55) Real-life impact of benefits after retirement(12:27) Hidden benefits and maximizing opportunities

October 9, 2025Episode 6516 min

Understanding the NFL 401(k): Turning Career Earnings Into Lifelong Wealth

Join hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho as they unpack the often-overlooked NFL 401(k) and what every player needs to know about maximizing this valuable benefit. Drawing from real locker room experiences and expert financial advice, the team clears up common misconceptions, explains how the NFL’s unique employer match works, and reveals why many advisors fail to manage these accounts properly. Whether you're a rookie or a seasoned vet, this episode delivers crucial insights to help you grow your money—on and off the field. Don't miss this conversation packed with practical tips and the inside scoop on building lasting wealth as an NFL player.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) Real locker room conversations about the NFL 401(k)(03:23) How the NFL 401k works and its unique benefits(06:04) Common misunderstandings and advisor limitations(08:31) Steps to take for maximizing the NFL 401(k)(13:02) The butterfly effect: what to tell rookies

September 10, 2025Episode 6412 min

Target Date Funds The NFL Way

On this episode of the AWM NFL Players' Podcast, host Riccardo Stewart is joined by Jeff Locke, Sam Acho, and Zach Miller to break down a topic every pro needs to understand: target date funds. The team shares firsthand stories, demystifies how target date funds work, and examines why these investments may not be the right play for high-net-worth NFL athletes. With real numbers, honest, hard-earned perspectives, and actionable advice, this episode offers the insider knowledge you need to make smarter decisions for your financial future. If you want to know what works—and what could be costing you millions—this conversation is a must-listen.Connect with usCall or text: 602-989-5022Website: https://www.athletefamilyoffice.com/LinkedIn: https://www.linkedin.com/company/awmcapital/Instagram: https://www.instagram.com/awmcapital/Facebook: https://www.facebook.com/awmcapital/X: https://twitter.com/awmcapitalChapters(00:01) Family stories and investment analogies(02:01) First encounters with target date funds(03:03) What is a target date fund(04:15) Advantages and origins of target date funds(05:45) Disadvantages for NFL athletes(07:29) Why customization matters for high-net-worth athletes(09:57) Next steps if you have a target date fund

August 29, 2025Episode 6313 min

Financial Planning That Starts With You

In this episode of the AWM NFL Podcast, hosts Riccardo Stewart, Zach Miller, Jeff Locke, and Sam Acho break down what it truly means to take a human-centered approach to wealth management for professional athletes. The team unpacks the stark differences between generic financial advice and the custom-built strategies of a family office, using insightful analogies from architecture and fashion to illustrate why one size does not fit all. With personal stories and real-world examples, they reveal how aligning your financial plan to your unique life, values, and legacy can have a transformative impact on long-term wealth. Tune in to hear firsthand how elite athletes can build lasting prosperity for themselves and their families.Chapters(00:01) Human centered financial planning(02:40) Building your financial structure(04:14) Model homes versus custom homes(06:53) The custom fit approach(09:58) Financial structures for high earners(11:21) Listening to your story

August 15, 2025Episode 6217 min

Our Past Lessons, Your Future Gains

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.Connect with usWebsite: https://www.athletefamilyoffice.com/Instagram: https://www.instagram.com/awmcapital/LinkedIn: https://www.linkedin.com/company/awmcapital/X: https://twitter.com/awmcapitalFacebook: https://www.facebook.com/awmcapital/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

August 7, 2025Episode 6112 min

Building a Human-Centered Financial Plan

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