NFL Players' Podcast

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

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Sep 2026

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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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October 13, 2026Episode 7713 min

The 1Hundred Year Family: Choosing Wisely | NFL Players' Podcast #77

Every NFL player has made choices that shaped his future: the college he signed with, the team he picked in free agency, the person he married. The 1Hundred Year Family series continues with the choice that decides whether wealth lasts a hundred years: who you hire to manage it. Riccardo Stewart opens with a story from a Mayo Clinic speaker about the "second hour," the extra time that turns a standard checkup into an accurate diagnosis, and what it means for financial advice. Jeff Locke explains the difference between a track home and a custom home when it comes to your investments. Sam Acho breaks down the suitability standard versus the fiduciary standard, and why "fiduciary" comes from the Latin word for trust. Zach Miller asks the question most players never think about: will your advisor still be there for your kids and grandkids? Jeff closes with practical resources to help you choose wisely. Connect with Us • Call or text us: 602-989-5022 • Website: https://www.athletefamilyoffice.com/?utm_source=awm-capital&utm_medium=streaming&utm_campaign=ep-77-choosing-wisely&utm_content=show-notes • YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA • LinkedIn: https://www.linkedin.com/company/awmcapital/ • Instagram: https://www.instagram.com/awmcapital/ • X: https://twitter.com/awmcapital • Facebook: https://www.facebook.com/awmcapital/ Article to Read • The Decision Is Hard — Especially When You Don’t Know What You Don’t Know, by Travis Chick, CFP®, CPWA®, AEP®: https://www.athletefamilyoffice.com/resource/the-decision-is-hard-especially-when-you-dont-know-what-you-dont-know?utm_source=awm-capital&utm_medium=streaming&utm_campaign=ep-77-choosing-wisely&utm_content=show-notes Chapters 00:00 Welcome: The 1Hundred Year Family And The Choices That Build It 01:17 The Second Hour: What A Mayo Clinic Story Teaches About Advice 03:04 Broker Or Family Office: The Two Choices Most NFL Players Face 03:55 Track Home vs Custom Home (Jeff Locke) 05:55 Suitability vs Fiduciary: Who Is Your Advisor Working For? (Sam Acho) 08:20 Built For 100 Years: Will Your Advisor Outlast Your Career? (Zach Miller) 10:35 Three Resources To Help You Choose Wisely (Jeff Locke) 11:31 Closing: The Decisions We Make Today

September 30, 2026Episode 7612 min

Paid: Getting It Right vs Getting It Wrong | NFL Players' Podcast #76

The biggest contract of your life is not the number on the headline. Jeff Locke opens with the math on a $132 million deal: $100 million "guaranteed," about $80 million likely to be paid, and roughly $45 million in your pocket after tax and agent fees. From there, Sam Acho, Zach Miller, Jeff Locke, and host Riccardo Stewart go around the table on what it actually feels like to get paid in the NFL, and what separates the players who get it right from the ones who get it wrong. On the wrong side: trusting people you don't need to trust, anchoring your spending to the headline number, and never learning the business of the NFL. On the right side: living simple and staying a ball guy, building a giving plan before the requests come in, thinking like a CEO about who is on your team and how they get paid, and staying educated instead of handing everything off. Three former players, one former coach, no corporate speak. Connect with Us Call or text us: 602-989-5022 Website: https://www.athletefamilyoffice.com YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA LinkedIn: https://www.linkedin.com/company/awmcapital/ Instagram: https://www.instagram.com/awmcapital/ X: https://twitter.com/awmcapital Facebook: https://www.facebook.com/awmcapital/ Chapters 00:00 Cold Open: $132 Million Is Really $45 Million 00:30 Welcome: Getting Paid, Getting It Right vs Getting It Wrong 01:32 Zach Miller: What Signing The Big Deal Actually Feels Like 02:52 Getting It Wrong: Trusting People You Don't Need To (Sam Acho) 04:29 Getting It Wrong: Anchoring Your Spending To The Headline Number (Jeff Locke) 05:54 Getting It Wrong: Not Understanding The Business Of The NFL (Zach Miller) 07:42 Getting It Right: Living Simple And Staying A Ball Guy 08:42 Getting It Right: Building A Giving Plan Before The Requests Come In 09:48 Getting It Right: Thinking Like A CEO 10:48 Getting It Right: Staying Educated, Plus How To Reach Us

September 29, 2026Episode 7515 min

The 1Hundred Year Family: It Takes More Than Money to Build Generational Wealth | NFL Players' Podcast #75

In this episode of the NFL Players' Podcast, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart pick up where last episode's Rich Paul conversation left off: is $200 million actually enough to build a 1Hundred Year Family? The guys break down the three things that separate athletes who build real multi-generational wealth from those who don't — integration (getting your whole team rowing in the same direction), specialization (working with advisors who only serve athletes), and the real numbers behind "ultra wealth," including the estate tax most players never see coming. It's a raw, locker-room breakdown of what it actually takes to make your money outlast your career, and then some. Connect with us • Call or text: 602-989-5022 • Website: 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/awmcapital Chapters [00:00] Recapping the Rich Paul question: is $200 million enough? [00:02] Stats Say No: Jeff Locke on the hard truth about generational wealth [00:03] What Is a Family Office: Why it should be an athlete's first hire [00:04] Integration: Getting your whole team rowing in the same direction [00:05] The Wealth Strategist: Why you need a quarterback, not "a guy" [00:07] Specialization: Why athlete-specific advisors change everything [00:09] Ultra Wealth: What "$30 million net worth" really means [00:11] Peace of Mind: What it feels like when the plan finally works [00:13] How to reach the AWM team

September 4, 2026Episode 7413 min

The 1Hundred Year Family: Building Multi-Generational Wealth | NFL Players' Podcast #74

Rich Paul told his own clients that $200 million isn't enough money. On this episode, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart kick off a new series, The 1Hundred Year Family, to find out why he's right. They break down exactly where a $200 million contract actually goes: the taxes nobody explains at the rookie symposium, the 40% estate tax waiting on the back end, and the lifestyle creep that quietly sinks more careers than any bad investment. This is part one of a series on what it really takes to build wealth that outlasts your own career — and your kids', and theirs. Chapters [00:00] Introduction: Riccardo opens the new "1Hundred Year Family" series and the Pac-Man story that sparked it. [00:01] Why some things are built to last and most things aren't. [00:02] Third-generation wealth loss the real reasons families lose it all. [00:03] Rich Paul's "$200 million isn't enough" comment [00:03] Sam Acho — "True wealth is what you don't see." [00:05] Zach Miller: the income tax and 40% estate tax math on a $200M contract. [00:07] Riccardo presses on double taxation between income and estate tax. [00:08] Jeff Locke: the 4-5% retirement rule and why it doesn't work for athletes. [00:10] Lifestyle creep" why it's one of the hardest habits to reverse. [00:12] Consumerism named as the real enemy of the 1Hundred Year Family Connect with us • Call or text: 602-989-5022 • Website: 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/awmcapital

August 28, 2026Episode 7310 min

Behind the Scenes of Your Signing Bonus: How to Keep More of Your Money | NFL Players' Podcast #73

Everyone talks about the number on a signing bonus. Almost nobody talks about what happens to it before it reaches your account. In this episode, the guys break down when rookies and veterans actually get paid, why the state you play in and the team you sign with change how much you keep, and the specific tax-withholding strategy AWM's team used to put an extra $100,000 back in one client's pocket — all without any of it becoming a guessing game. Chapters [00:00] Welcome back to the NFL Players' Podcast [00:00] Setting up today's topic: what's really happening behind the scenes with your signing bonus [00:01] Why most rookies sign and walk away without asking the right questions [00:02] When rookies actually get paid — the 15-day portion and the delayed remainder [00:03] Veterans vs. rookies: how payment timing and negotiation differ [00:03] The jock tax explained: how state and team both affect what you keep [00:04] Newsflash: your full signing bonus doesn't hit your account [00:05] Behind AWM's numbers: $45M+ in gross client signing bonuses this off-season [00:06] Jeff's world: what AWM's tax team does the moment a client signs [00:07] Two ways teams handle withholding — and the $100K strategy that worked [00:08] Why team payroll departments say no one else does this [00:09] The long-term payoff: paying more now to pay less later, the right way Connect with us • Call or text: 602-989-5022 • Website: 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/awmcapital

August 13, 2026Episode 7216 min

Inside AWM's Mission to Change Athlete Wealth | NFL Players' Podcast #72

In this episode, we take you behind the scenes of AWM Capital, sharing personal stories from our own journeys as NFL players and what inspired us to champion athlete-focused wealth management. We discuss the challenges pros face both on and off the field, the shortcomings of the broader financial industry, and the passion that drives their unique team approach. With candid reflections and powerful insights, this conversation offers listeners a rare window into why serving athlete families is different—and how real change happens from within the locker room. If you want to understand the bigger picture of athlete wealth and legacy, this episode is a must-listen. Chapters (00:00) Origin Stories and Motivation (03:15) Building the Athlete-Focused Team (07:37) Unique Paths Into Athlete Wealth Management (09:27) Personal Mission to Serve Athletes (12:15) Changing Athlete Wealth Culture (14:28) Setting Athletes Up to Succeed Connect with us • Call or text: 602-989-5022 • Website: 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/awmcapital

May 7, 2026Episode 7115 min

I Just Got Drafted in the NFL. Now What? | NFL Players' Podcast #71

Step inside the high-stakes transition from draft day dreams to real-life NFL careers as hosts Riccardo Stewart, Zach Miller, Sam Acho, and Jeff Locke unite for an unfiltered conversation. Drawing on their combined 20 years of league experience, they peel back the curtain on everything rookies face after hearing their names called—revealing surprising truths about NFL paychecks, tax pitfalls, smart real estate choices, and the off-the-field team every player needs. Whether you’re an aspiring athlete, a seasoned pro, or just curious what it really takes to succeed beyond the game, this episode serves up firsthand stories and hard-won advice for navigating the business of football. Connect with us Call or text: 602-989-5022 Website: 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/awmcapital Chapters (00:00) Draft Day Emotions and First Reactions (04:26) Understanding NFL Pay Structure (05:54) Tax Surprises for New Players (07:55) Critical Setup Steps After Being Drafted (10:26) Deciding Whether to Rent or Buy (11:33) Key People Every Rookie Needs to Know

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 us Call or text: 602-989-5022 Website: 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/awmcapital Chapters (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 us Call or text: 602-989-5022 Website: 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/awmcapital Chapters (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 us Call or text: 602-989-5022 Website: 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/awmcapital Chapters (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