A bite sized discussion on timely financial news and investment topics, to help you maximize your net worth and wealth for the next generation with Justin Dyer and Mena Hanna of AWM Capital.
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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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Join Aaron Goldberg, CFP® - a private wealth advisor for AWM Capital and former professional golfer with the Korn Ferry and PGA tours - as he discusses weekly the most important business and financial news professional golfers should know.
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It's hard to encapsulate the excitement surrounding the MLB Draft. Years of hard work, sacrifice, and dedication all point to this one day of becoming a pro. However, it can be hard to figure out how to navigate the process. The MLB Draft podcast is the only podcast dedicated to preparing athletes entering the MLB draft, and includes interviews from some of the top athletes in the MLB, how to build your team of experts, and how to prepare for draft day.
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How NFL Players Can Win in a Down Market | NFL Players' Podcast #52
11:57
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11:57In this episode of the AWM NFL podcast, host Riccardo Stewart is joined by Sam Acho, Jeff Locke, and Zach Miller to explore situational investing for NFL players in volatile markets. Drawing parallels between situational football and market strategies, they discuss how athletes can capitalize on current market conditions while managing risk. Gain i…
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Navigating Tariff Volatility | AWM Insights #197
8:39
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8:39In this episode of AWM Insights, our hosts discuss navigating market volatility amidst tariff changes. We dive into key strategies for controlling what you can in uncertain times and explore the importance of staying invested during significant market shifts. Get insights on tax loss harvesting and its long-term value add—essential listening for th…
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The Importance of Having a Team | NFL Players' Podcast #51
11:30
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11:30Join host Riccardo Stewart and his insightful co-hosts Sam Acho, Jeff Locke, and Zach Miller in this episode of the AWM NFL Podcast as they dive into the critical importance of having a team to manage the complexities of wealth for NFL athletes. Discover the benefits of moving from a single advisor to a coordinated team, as they share personal expe…
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In this episode of AWM Insights, the focus is on the unexpected impacts and implications of the newly imposed tariffs in global trade. Hosted by AWM's Chief Investment Officer and Partner, Justin Dyer, and Portfolio Manager, Mena Hanna, we dissect the nature of tariffs and their immediate reaction in the financial markets. The conversation pivots a…
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Decoding the Market: Public vs. Private Investments | NFL Players' Podcast #50
12:59
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12:59In the 50th episode of the AWM NFL Players Podcast, hosts Riccardo Stewart, Zach Miller, Sam Acho, and Jeff Locke explore the complexities of public vs. private investments. They dive into the distinctions between these markets, highlighting access, regulation, and investment opportunities. Tune in for expert insights on how to navigate these optio…
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NFL Players' Ultimate Guide to Investing | NFL Players' Podcast #49
10:50
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10:50In this episode of the AWM NFL Players’ Podcast, host Riccardo Stewart is joined by Sam Acho, Jeff Locke, and Zach Miller as they tackle essential investment concepts every NFL athlete should know. They break down the basics of stocks and bonds, the importance of investing in oneself, and the critical role of diversification in building financial s…
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Building Generational Wealth Like a Pro | NFL Players' Podcast #48
10:12
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10:12In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by former NFL players Sam Acho, Jeff Locke, and Zach Miller to explore the traits and skills essential for professional athletes aiming to build multi-generational wealth. Together, they discuss the importance of knowledge, communication, and discipline, highlighting insights f…
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Paying Your Future Self | NFL Players' Podcast #47
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14:13Join host Riccardo Stewart and co-hosts Zach Miller, Jeff Locke, and Sam Acho as they explore the concept of "paying your future self" in Episode 47 of the AWM NFL Podcast. The discussion navigates through personal and financial strategies for NFL athletes, emphasizing the importance of planning early to ensure long-term prosperity. This episode of…
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The Four Uses of Money: Where Does It All Go? | NFL Players' Podcast #46
8:33
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8:33In this latest episode of the AWM NFL Podcast, hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho dive into the fundamental question every high-earning athlete faces: "Where does my money go?" They discuss the Four Uses of Money framework designed to help NFL players plan for taxes, spending, giving, and saving. With insightful advice an…
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The Essential Steps to Multi-Generational Wealth for NFL Players | NFL Players' Podcast #45
10:59
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10:59In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by Jeff Locke, Zach Miller, and Sam Acho to explore the playbook for achieving multi-generational wealth for NFL athletes. They dive into how athletes can leverage their human capital—physical, intellectual, and social—and outline the crucial steps for managing income, taxes, s…
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Offseason Money Strategies for NFL Players | NFL Players' Podcast #44
13:26
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13:26In Episode 44 of the AWM NFL Podcast, Riccardo "Coach" Stewart is joined by Zack "The Truth" Miller, Sam "The Mayor" Acho, and Jeff "The Professor" Locke, to discuss effective financial strategies for NFL players during the offseason. The hosts delve into topics such as offseason training plans, maintaining physical fitness, understanding NFL pay s…
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NFL Playoff Insights and Off-Field Realities | NFL Players' Podcast #43
10:36
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10:36In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by NFL veterans Zach Miller, Sam Acho, and Jeff Locke to discuss the thrilling NFL playoff season. The conversation goes beyond the field to explore the vital off-field aspects, including financial implications and preparations unique to this stage. Tune in for first-hand playo…
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The Right Time to Enter the Transfer Portal | NFL Players' Podcast #42
13:49
13:49
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13:49Key Highlights: Analysis of the benefits and timing of entering the Transfer Portal, especially during coaching changes. Discussion on evaluating promises made by coaches and their impact on transfer decisions. Advice on prioritizing long-term financial success and career goals over immediate NIL offers. Explorations of NIL agent roles and the nece…
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How Do Athletes Create Value? | NFL Players' Podcast #41
13:14
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13:14Key Highlights Introduction to human capital and its components: physical, intellectual, and social capital. Jeff Locke explains human capital's importance for athletes in maximizing their value. Sam Acho discusses the significance of developing multiple dimensions beyond athletic performance. Zach Miller joins in to illustrate how physical capital…
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Give Smarter, Not Harder | NFL Players' Podcast #40
11:09
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11:09KEY HIGHLIGHTS: —NFL players often show generosity at a granular level by supporting people within their facilities. —The impact of end-of-year giving and its benefits for both givers and recipients. —Utilizing a donor-advised fund allows athletes to maximize their charitable giving opportunities. —Strategic charity not only benefits recipients but…
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The Financial Advice NFL Pros Wish They Got Sooner | NFL Players' Podcast #39
11:29
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11:29Key Highlights Sam Acho shares the importance of understanding the value of a supportive financial team during an NFL career. Jeff Locke emphasizes getting transparent details in writing about how advisors are paid to avoid unnecessary costs. Zach Miller discusses the unique investment opportunities for athletes and the importance of customized fin…
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Stacking Your Chips with Compound Interest | NFL Players' Podcast
11:14
11:14
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11:14Key Highlights: —Explanation of compound interest with examples, including the famous "Rule of 72." —Discussions on how young athletes can leverage their age for significant long-term investment growth. —Strategies for ensuring diversified investments to prevent losses from impacting compound growth. —Practical advice on where to start investing, i…
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Assemble Your Dream Team | NFL Players' Podcast #37
13:15
13:15
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13:15Key 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, m…
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Give Every Dollar a Job | NFL Players' Podcast #36
12:05
12:05
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12:05Key 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 assembl…
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Mastering Your Money Game | NFL Players' Podcast #35
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13:05Key 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 giv…
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The NFL Tax Playbook | NFL Players' Podcast #34
12:48
12:48
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12:48Key Highlights Understanding 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. A…
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Build Human Capital | NFL Players' Podcast #33
13:32
13:32
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13:32Key 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 s…
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Unlocking the Financial Benefits of Week 3 in the NFL | NFL Players' Podcast #32
9:47
9:47
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9:47Key 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…
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The Multi-generational Wealth Game | NFL Players' Podcast #31
13:12
13:12
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13:12Key Highlights Explanation 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 preser…
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How to Not Go Broke | NFL Players’ Podcast #30
11:32
11:32
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11:32Key Highlights The 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 psychologica…
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Giving Unlocks the Grip of Greed | NFL Players' Podcast #29
11:17
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11:17Money 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.…
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You Have to Have a Plan | NFL Players' Podcast #28
11:54
11:54
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11:54Notorious 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.…
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4 Rules for Creating Multigenerational Wealth | NFL Players' Podcast #27
14:08
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14:08Elite 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.…
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Athlete CEO: Family Matters | NFL Players' Podcast #26
12:01
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12:01Important 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 …
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Athlete CEO: Allowing Your Priorities to Guide Your Investment Decisions | NFL Players' Podcast #25
14:00
14:00
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14:00What 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…
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Athlete CEO: Always Be a Pro | NFL Players' Podcast #24
14:03
14:03
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14:03NFL 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 i…
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Athlete CEO: Sports Agents & Financial Advisors | NFL Players' Podcast #23
15:26
15:26
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15:26NFL 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 …
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Trust Part 2: Estate Planning | NFL Players' Podcast #22
12:06
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12:06A 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…
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Trust Fund Baby | NFL Players' Podcast #21
10:52
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10:52A 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 …
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What Does a Financial Advisor Do? | NFL Players' Podcast #20
15:44
15:44
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15:44What 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…
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The "Why" Behind What We Do | NFL Players' Podcast #19
17:58
17:58
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17:58In 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 r…
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NIL Series: Investing - Paying Your Future Self | NFL Players' Podcast #18
18:28
18:28
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18:28It 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 …
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NIL Series: #1 Destroyer of Wealth | NFL Players' Podcast #17
16:40
16:40
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16:40It 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-athlet…
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NIL Series: Choosing a Bank and Building Credit | NFL Players' Podcast #16
17:46
17:46
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17:46It 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 …
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NIL Series: Choosing a Financial Advisor | NFL Players' Podcast #15
18:37
18:37
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18:37It 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-athlet…
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NFL Rookies: What to Expect & Things You Need to Know | NFL Players' Podcast #14
15:48
15:48
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15:48The 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 th…
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The 4 Uses of Money: Saving and Investing | NFL Players' Podcast #13
18:48
18:48
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18:48There 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…
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The 4 Uses of Money: Saving | NFL Players' Podcast #12
15:46
15:46
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15:46There 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 c…
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The 4 Uses of Money: Giving | NFL Players' Podcast #11
21:29
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21:29There 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 c…
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The 4 Uses of Money: Spending | NFL Players' Podcast #10
19:03
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19:03In 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 wealt…
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Strategic Tax Planning: Maximizing Wealth Beyond Tax Season | AWM Insights #195
10:55
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10:55Tax has a crucial role in wealth generation and preservation. Professional athletes have very complex tax situations which make tax planning a year-round endeavor, not just a one-time stop during tax filing season. The importance of integrating tax strategies with investment planning can't be stressed enough as we have seen the countless pitfalls o…
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Taxes: Two Truths And A Lie | NFL Players' Podcast #9
17:33
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17:33Many 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 g…
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Decoding Crypto's Comeback: Navigating Blockchain, Bitcoin ETFs, and Strategies| AWM Insights #194
12:54
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12:54Crypto has reemerged in the financial landscape with the recent rally in Bitcoin and the significant role of the SEC's approval of Bitcoin Spot ETFs. With all the hype, a cautious approach to the crypto space is prudent. This does not mean that the trend should be ignored. It’s essential to know and understand the ever-evolving investment universe.…
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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) 989-502…
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Economic Trends and Market Insights | AWM Insights #193
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12:47The economy and the stock market are not the same. Usually, the market has a head start and prices in future economic events. The market’s recent rally preceded the positive news that came out in terms of inflation, GDP, and employment rates. Making alternative bets has been shown to be counterproductive. Investing with a long-term mindset and avoi…
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