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 effective wealth management—clarifying why every financial decision should be intentional, coordinated, and tailored to your future.

Key Highlights
• What makes advice truly independent, and how the AWM Way ensures your Family Office always puts your interests first—never those of shareholders or public company profit mandates.
• Why integration is essential—illustrated by a real-world example where lack of coordination cost millions in unnecessary taxes—and how AWM builds cohesion across your tax, investment, estate, and philanthropic strategies.
• The risk of “siloed” advisors and menu-limited investment choices, and what it takes to unify your entire financial team around your unique needs.
• How individualized planning supports every aspect of your financial life—delivering strategy and solutions based exclusively on your goals, opportunities, and family priorities.
• Practical steps to help NFL athletes and their families demand better, more aligned solutions from their advisory teams.

References
• Discover the AWM Way and Family Office Services at awmcap.com
• Listen to AWM Insights™: athletefamilyoffice.com/podcasts

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 specialized, athlete-centered solutions, offering valuable insights for making informed decisions.

Key Highlights:

• Understanding the different financial advisory options available to NFL players.
• Insight into the limitations of traditional financial advisors versus the specialized services of a family office.
• The importance of taxes and NFL benefits in comprehensive financial planning.
• Why the big banks' marketing strategies do not always equate to the best advice for athletes.
• Upcoming discussion on the role and benefits of a family office for NFL players.

Quotes:

• "You might have the biggest marketing budget in the world, but that doesn't mean you're best for me." – Sam Acho
• "It's not set up for an athlete to know about a failure or a missed opportunity that a company may have." – Sam Acho
• "Any advisor that's serious about giving financial advice is going to be a certified financial planner." – Zach Miller

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 financial team and the timing for making this pivotal switch.

Key Highlights:

• Riccardo Stewart introduces the necessity of shifting from a single financial advisor to a comprehensive financial team for NFL athletes.
• Jeff Locke emphasizes the analogy of a sports team to explain the complex needs of high net-worth individuals.
• Sam Acho discusses the importance of having a financial team present regardless of geographical location.
• Zach Miller provides criteria for when an athlete should transition to a team based on their earning potential.
• Jeff Locke covers the philosophical reasons behind having a team to achieve the desired life outcomes.
• Sam Acho stresses the importance of working with an independent team to avoid conflicts of interest.

Quotes:

• "More money means more complexity, and when you have that complexity, it necessitates more clarity." – Riccardo Stewart
• "You can't just have one, two, or three people trying to handle all the things you need." – Jeff Locke
• "Your team needs to be wherever you are at, period." – Sam Acho
• "If you think you're going to make over $20 million, you should have a team." – Zach Miller