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

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

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

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

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

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

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

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 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) 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