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 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) 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

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

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 us

• Website: https://www.athletefamilyoffice.com/
• Instagram: https://www.instagram.com/awmcapital/
• LinkedIn: https://www.linkedin.com/company/awmcapital/
• X: https://twitter.com/awmcapital
• Facebook: 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