Key Highlights:Examination of the skills required to sustain multi-generational wealth, covering taxation and cash flow management.Insights on accessing and benefiting from private market investments.Importance of comprehensive planning for life events like marriage and family based on personal experiences.Differentiating the roles of agents, marketing teams, and family office advisors in an athlete's financial management.Quotes:"The best private investments don't need your money... access is the name of the game." – Zach Miller"It's not just about knowing what you know, but having people who know what you don't." – Sam Acho"Your family office takes over to ensure your money stays with you and your family." – Jeff Locke

Key Highlights:Learn why assigning a job to every dollar is key to financial stability.Explore the balance between saving what you have and investing it wisely.Discover the different roles your money can play—like short-term reserves and long-term growth.Understand why hard financial decisions are crucial to hitting your goals.Hear why assembling a reliable financial team makes all the difference.Quotes:"The job of each dollar tells you how to invest, not the other way around." – Jeff Locke"Treat your family like a business; give every dollar a job." – Sam Acho"Having the right team helps you put your dollars to work the right way." – Zach Miller 

Key Highlights:—Discussion on aligning client priorities with their wealth to effectively manage and spend money.—Jeff Locke advises against traditional budgeting, focusing instead on trade-offs and priorities.—Zach Miller emphasizes understanding individual needs, wants, and wishes.—Sam Acho highlights the joy and satisfaction derived from giving and how it counteracts greed.Quotes:—"Priority means you have to place certain things over others." – Jeff Locke—"Giving unlocks the grips of greed." – Sam Acho—"Money is just a magnifier. It doesn't change you; it just exposes who you already are." – Sam Acho

Key HighlightsUnderstanding Income Streams: Jeff Locke breaks down the three main income types for NFL players—W2, 1099 endorsement income, and investment income—and their tax implications.Rookie Tax Mistakes: Sam Acho discusses common missteps in charitable giving and introduces the concept of a donor-advised fund to enhance giving strategies.Avoiding Tax Penalties: Zach Miller shares his personal experience of overpaying taxes and emphasizes the importance of integrated tax and investment strategies.Strategic Tax Planning: Insights into deferring investment income to reduce tax burdens during a player's career.Quotes"The rookie mistake that I see from NFL players is they're giving, but not giving well." – Sam Acho"You don't want any more income coming in. You want to defer as much as you can to when you're done playing." – Zach MillerFor more details and inquiries, reach out to AWM Capital at 602-989-5022 or visit awmcap.com.

Key Highlights:The importance of investing in physical capital to secure and extend NFL contracts.The role of intellectual capital in building a sustainable future post-NFL career.Insights on cultivating social capital—how reputation and community involvement impact legacy.Strategies for maintaining balance between physical, intellectual, and social capital growth.Zach Miller’s personal experience with leveraging physical capital for professional advancement.Quotes:"You're only in your early 20s until you're out of them." – Riccardo “Coach” Stewart"Intellectual capital is what you do with your mind, not just your body." – Sam “The Mayor” Acho"Keep the main thing, the main thing, and become the best football player on the field." – Zach “The Truth” Miller

Key Highlights:The critical importance of week three for NFL players earning a credited season.Explanation of how becoming a vested veteran significantly enhances player benefits.The breakdown of key benefits: pension, 401(k), cap plan, and health insurance.Personal anecdotes from the hosts about how these benefits have impacted their financial outlook.The concept of "mailbox money" as it applies to NFL player benefits.Quotes:"A lot of NFL players just made a lot of money. They just don't know it." – Zach Miller"This is the equivalent of getting a $500,000 bonus right now." – Jeff Locke"Mailbox money...You don't have to do anything outside of make year three, game three to earn all these benefits." – Sam AchoReferences:NFL Players Association - https://www.nflpa.comAWM Capital Financial Planning Services - https://awmcap.comContact AWM Capital - 602-989-5022

Key HighlightsExplanation of the "shirt sleeve to shirt sleeve" concept and its relevance to wealth management.The true meaning of multi-generational wealth and its importance for athletes.Determining the amount of net worth NFL players need to sustain multi-generational wealth.Detailed discussion on controlling spending to ensure wealth preservation.Identifying and overcoming roadblocks in achieving multi-generational wealth.Quotes"It's easy to make money or to build wealth. It's hard to sustain it." – Sam Acho"You still have to have a plan built out that you can follow and keep things in check." – Jeff Locke"For me, when I was done playing, I had no idea what I was spending. I never tracked spending." – Zach Miller

 Key HighlightsThe perception vs. reality of athletes going broke.Jeff Locke discusses the inaccuracies in data used in ESPN’s “Broke.”Sam Acho shares his initial shock at learning about athlete financial distress.Zach Miller sheds light on the dramatic income drop post-NFL and its consequences.Discussion on “sudden wealth” and its psychological and social impacts.Practical advice for athletes to manage and sustain wealth responsibly.Quotes"We don’t save people. We serve people." – Riccardo Stewart"The year you are done, you drop into the lowest tax bracket unless you’ve been saving right." – Zach Miller"Sudden wealth can set you up for generations if planned for, but can also bring guilt and isolation." – Jeff LockeReferencesESPN’s “30 for 30: Broke”NFL Players Association

Money is a tool to pay for the things we want and bless the people we love. NFL players can use their wealth to bless others through giving and sharing. Listen to today’s episode as the AWM NFL team teaches about the importance of giving. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Notorious Big Famously is quoted saying, “Mo money mo problems”. As NFL ultra-wealthy athletes more money usually means more complexity, complexity necessitates having a plan. In this episode, the AWM NFL team discusses the importance of financial planning for your future. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Elite NFL players could create multigenerational wealth. However, making millions of dollars doesn’t equal multigenerational wealth. In this episode, the AWM NFL Team discusses the 4 rules of creating multigenerational wealth: money, knowledge, skill & discipline. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Important to creating multigenerational wealth is choosing the right team. As an NFL player who helps you make decisions? What role should your parents and family play in making your decisions? Sam, Zach, Jeff, and Riccardo speak directly to the athlete and the family in this episode, providing guidance and wisdom. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

What guides your investment decisions? As an NFL player, pursuing multi-generational wealth, establishing your priorities is vital to success on and off the field. Listen as the AWM team discusses the importance of values and priorities in the context of being an Athlete CEO. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

NFL players have the unique opportunity to become more than just players but also Athlete CEOs. Sitting at the top of their family business they make important decisions about generating and stewarding their talent and wealth. Assembling a team of qualified individuals can be difficult for athletes. In this podcast, the NFL AWM team discusses the importance of being a Pro on and off the field. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

NFL players have the unique opportunity to become more than players but Athlete CEO. Sitting at the top of their family business they make important decisions about generating and stewarding their talent and wealth. Assembling a team of qualified individuals can be difficult for athletes. In this podcast, the NFL AWM team discusses the differences between two important parts of your team, Agents and Advisors. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

A key component to creating multi-generational wealth is having a plan to pass on your wealth to the next generation. In this episode, the AWM Football team, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart begin discussing the importance of NFL players setting up a Trust and having proper estate planning. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

A key component to creating multi-generational wealth is planning to pass on your wealth to the next generation. In this episode, the AWM Football team, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart begin talking about the importance of NFL players setting up a Trust. What is a trust? Who needs a trust? When is the right time to set up a trust? For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

What comes with being an NFL player is financial complexity and complexity necessitates clarity. However, the financial industry is as noisy as Wall Street, leaving players confused or unclear about the role and expectations of their Financial Advisor. In this episode, the AWM team attempts to debunk the archaic view of a Financial Advisor’s job as handling investments only. NFL players need Advisors who provide comprehensive services not limited to only investments but much more. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

In this episode, the AWM Football team, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart share their journeys into becoming Wealth Advisors to NFL Athletes. Listen to hear how their diverse backgrounds and upbringings come together in their pursuit to help NFL players create and sustain healthy, flourishing families.For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

It is not a secret that NIL has made it possible for college athletes to make money before they get to the NFL. College collectives are paying hundreds of thousands of dollars up to millions of dollars to 18-22-year-olds. However, how prepared are these players to receive this money and make the best decisions? For the first time, student-athletes are Paying taxes, opening bank accounts, establishing credit, making significant purchases etc. In this episode, we discuss the importance of investing early and wisely.For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

It is not a secret that NIL has made it possible for college athletes to make money before they get to the NFL. College collectives are paying hundreds of thousands of dollars up to millions of dollars to 18 to 22-year-olds. However, how prepared are these players to receive this money and make the best decisions? For the first time, student-athletes are Paying taxes, opening bank accounts, establishing credit, making significant purchases, etc. This episode focuses on the #1 destroyer of wealth and taxes. Is it important to have an LLC, S-Corp, etc.? For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

It is not a secret that NIL has made it possible for college athletes to make money before they get to the NFL. College collectives are paying hundreds of thousands of dollars up to millions of dollars to 18-22-year-olds. However, how prepared are these players to receive this money and make the best decisions? For the first time, student-athletes are Paying taxes, opening bank accounts, establishing credit, making significant purchases etc. This episode focuses on how to choose a bank & building credit. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

It is not a secret that NIL has made it possible for college athletes to make money before they get to the NFL. College collectives are paying hundreds of thousands of dollars up to millions of dollars to 18 to 22-year-olds. However, how prepared are these players to receive this money and make the best decisions? For the first time, student-athletes are Paying taxes, opening bank accounts, establishing credit, making significant purchases etc. This episode discusses the importance of choosing the right financial advisors. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

The NFL concluded its 2024 NFL Draft. With 257 drafted rookies plus free agents, many players are joining an NFL franchise for the first time. Many players were prepared for pre-draft training, interviews, The NFL Combine, pro days, etc. However, many players are not prepared for the business and logistics of the NFL. In this episode, we lean on the AWM NFL team's experience to provide wisdom, perspective, and next steps on what will come now that players are drafted. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

There is a game plan for Sunday games and a game plan for creating and sustaining multi-generational wealth. Sudden wealth is a gift but inherently comes with complexity. This episode discusses the 4 uses of money: Taxes, Spending, Sharing and Saving, emphasizing investing. NFL players must have a strategic game plan for using their money to create multi-generational wealth. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

There is a game plan for Sunday games and a game plan for creating and sustaining multi-generational wealth. Sudden wealth is a gift but inherently comes with complexity. This episode discusses the 4 uses of money: Taxes, Spending, Sharing and Saving with an emphasis on sharing. NFL players must have a strategic game plan for using their money to create multi-generational wealth. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

There is a game plan for Sunday games and a game plan for creating and sustaining multi-generational wealth. Sudden wealth is a gift but inherently comes with complexity. This episode discusses the 4 uses of money: Taxes, Spending, Sharing and Saving with an emphasis on sharing. NFL players must have a strategic game plan for using their money to create multi-generational wealth. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

In the same way, there is a game plan for Sunday games and a game plan for creating and sustaining wealth. Sudden wealth is a gift but inherently comes with complexity. This episode discusses the 4 uses of money: Taxes, Spending, Sharing and Saving. NFL players must have a strategic game plan for using their money to create multi-generational wealth.For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Many NFL players go from the lowest tax bracket immediately to the highest tax bracket overnight. This sudden wealth is a gift but inherently comes with complexity. Sadly, professional athletes are not given the same playbook as the ultra-wealthy when it comes to the tax game. In this episode, we answer questions about LLC, S-Corp, and some share great strategies to be generous.For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Many NFL players go from the lowest tax bracket immediately to the highest tax bracket overnight. This sudden wealth is a gift but inherently comes with complexity. Sadly, professional athletes are not given the same playbook as the ultra-wealthy when it comes to the tax game. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Many NFL players go from the lowest tax bracket immediately to the highest tax bracket overnight. This sudden wealth is a gift but inherently comes with complexity. Sadly, professional athletes are not given the same playbook as the ultra-wealthy when it comes to the tax game. This episode begins to tap into the proper strategies to keep the most money in your pocket. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Playing in the League is not the only way NFL players make money to secure generational wealth. Building and sustaining multi-generational wealth begins with an understanding of Human Capital. An essential component of Human Capital is Social Capital. In this episode, the AWM team debunks the common idea of success by explaining the importance of being a good human and how it positively impacts your future earnings.For questions, you can contact Riccardo Stewart at +1 (602) 989-5022.

Playing in the League is not the only way NFL players make money to secure generational wealth. Building and sustaining multi-generational wealth begins with an understanding of Human Capital. An essential component of Human Capital is your Intellectual Capital. In this episode, the AWM team communicates the importance of NFL players investing in their knowledge, experience, and expertise. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Playing in the League is not the only way NFL players make money to secure generational wealth. Building and sustaining multi-generational wealth begins with an understanding of Human Capital. An essential component of Human Capital is your Physical Capital. In this episode, the AWM team communicates the importance of NFL players investing in their bodies.For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Playing in the League is not the only way NFL players make money to secure generational wealth. Building and sustaining multi-generational wealth begins with an understanding of Human Capital. This episode starts a mini-series discussing the topic of Human Capital, the skills, knowledge, and experience of an individual that brings value. As Financial Advisors, one former coach and three former NFL players, Sam Acho, Zach Miller, Jeff Locke & Riccardo Stewart, provide financial expertise and wisdom in relatable ways unique to the NFL experience. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Many NFL players are looking for financial advice from experts, yet many experts don't know how to speak the 'language of the people.' AWM NFL podcast hosts have over 20 years of NFL playing experience. Financial Advisors, one former coach, and three former NFL players, Sam Acho, Zach Miller, Jeff Locke & Riccardo Stewart provide financial expertise and wisdom in relatable ways unique to the NFL experience. Join us as we share weekly stories and insights about football and finance. Want insights into how the ultra-wealthy create generational wealth? This podcast is for you. In our second episode, we talk about how our personal upbringings shaped our understanding of money and the impact it has on our lives. For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.