It's OL Masterminds this week! And in this episode of the AWM NFL Player's Podcast, hosts Riccardo Stewart, Jeff Locke, Sam Acho, and Zach Miller take use behind the curtain of the business side of professional football for the players at OL Masterminds. Their aim is to show how athletes can capitalize on this opportunity to create, capture, and protect their value both on and off the field.

The team also shares practical stories and hard-earned lessons on maximizing contracts, building trusted advisory teams, and avoiding the common pitfalls that threaten a player's chances to build wealth. With honest, straight-up advice and real-world examples, this episode is a must-listen for both players attending OL Masterminds and any athlete looking to build a legacy and turn short-term earnings into lasting multi-generational wealth.

Some of the key moments:

• OL Masterminds is spotlighted as an important training ground where top offensive linemen invest in sharpening skills and building career value, under the same roof as Hall of Famers and leaders who have set the standard.
• The urgency of value capture is illustrated through Trey Smith’s leap from early paydays to becoming the NFL’s highest-paid guard within a single year, showing how quickly fortunes can shift for those ready to capitalize.
• We also set a warning for athletes: with contract dollars comes an influx of agents, advisors, and others seeking to join the team, many with unclear motives. Aligning incentives and demanding transparency—especially steering clear of “free service” red flags—is essential.
• Selecting your wealth team requires the same scrutiny as building a locker room: mentorship, true expertise, and rock-solid alignment of incentives override empty friendship or unqualified offers.
• The hosts recap a guiding four-part approach to wealth that underpins every play: create value as the athlete, capture it through contracts, convert it into sustainable resources, and continue it across generations—laying the groundwork for a 100-year family.
• Listeners are invited to reach out directly for practical support in assembling their front office for enduring family stewardship.

If you're an athlete and you've got questions, reach out to us at 602 989 5022, or learn more at athletefamilyoffice.com.

Hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho call the plays on one of the toughest challenges in wealth: sustaining it for generations. They break down what the stats really say—among families with $30M+ in assets, only 30% successfully hand wealth to their kids, and just 10% to grandkids. Through the lens of the athlete as CEO, the team outlines what it really takes to keep the family scoreboard lit for decades to come: real strategy, meaningful stewardship, and a clear sense of legacy.

Key Highlights

• Among families with $30M or more, only 30% pass wealth to children and a strikingly low 10% to grandchildren—true multi-generational success is rare without focused planning.
• Estate tax is a real opponent: with an exemption around $15 million, any amount over that mark is taxed at 40%, making careful planning essential to keeping more in the family line.
• Stewardship goes beyond asset transfers and focuses on fostering family governance by consciously preparing children and grandchildren to lead, protect, and grow family resources.
• Purpose-built trusts help fund education, provide first-home down payments, and deliver seed capital for new businesses, offering a runway for each generation to take meaningful first steps.
• Establishing private family foundations allows each generation to give back and actively manage the family's impact over time, keeping values and stewardship at the center of the legacy.
• At this level of wealth, a family office becomes essential, acting as a coordinated team to oversee everything from investments and tax to estate design and next-generation guidance.

This week, Riccardo Stewart is joined by Jeff Locke, Zach Miller, and Sam Acho to lay out the real strategy behind turning an NFL contract into generational strength. Using Brock Purdy’s $265 million deal as the case study, the team walks through the “Create, Capture, Convert” playbook—revealing what truly separates short-term paydays from enduring family legacy. With firsthand stories from both the field and the front office, the hosts get tactical on tax, cash flow, philanthropy, and what it means to run your wealth like a pro—team, systems, and all.

Key Highlights

• The “Create, Capture, Convert” playbook: How elite athletes turn physical, social, and intellectual capital into contracts, then steward after-tax dollars through every stage of wealth.
• The 50-40-10 rule and tax strategy: Inside the real cost of California residency—why a $265 million contract means careful tax planning, year-over-year strategies, and the massive value of location.
• Sustainable spending and cash flow management: The path to spending $3–4 million a year with confidence—if the right team, structure, and discipline are in place.
• “Money is just a magnifier”: Sam Acho’s story-driven reminder that bigger checks only amplify habits—making intention and stewardship more important than ever.
• Philanthropy with purpose: Using private foundations and direct giving to create impact, and lessons on making every dollar count.
• Why a family office is built for the big leagues: The difference between a transactional advisor and an integrated front office, delivering alignment, access, and true multi-generational coaching.