Riccardo Stewart once flew to Rome for a 30-minute Q&A with the Pope and had to work out what to ask. Most players feel the same way across the table from a financial advisor: they know they need one, but not what to ask. In this episode, Riccardo, Sam Acho, Jeff Locke and Zach Miller lay out the questions every player should ask before hiring or switching advisors, and why each one matters. Sam explains what it means to be a fiduciary and why some advisors wear two hats. Jeff breaks down the difference between a license and a certification. Riccardo uses a 53-man roster to explain asset allocation. And Zach shares the question that hurt him personally, "Will you give me my after-tax returns?", plus why your advisor should be able to vet the deals that come through the locker room and advise on your NFL benefits.

Connect with Us
• Call or text us: 602-989-5022
• Website: https://www.athletefamilyoffice.com/?utm_source=awm-capital&utm_medium=podcast&utm_campaign=ep-78-advisor-questions&utm_content=show-notes
• YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA
• LinkedIn: https://www.linkedin.com/company/awmcapital/
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Chapters
00:00 Coming Up: Questions You Should Ask Every Advisor
01:06 What Do You Ask The Pope?
01:58 Are You A Fiduciary? (Sam Acho)
02:43 Fiduciary vs Suitability: The Advisor Who Wears Two Hats
03:25 What Licenses And Certifications Do You Hold? (Jeff Locke)
05:12 How Do You Do Asset Allocation? The 53-Man Roster (Riccardo Stewart)
06:50 What Is Your Investment Philosophy, And How Will Performance Be Measured?
07:13 Will You Give Me My After-Tax Returns? (Zach Miller)
07:51 Closet Indexers, Locker-Room Deals And Your NFL Benefits
09:01 Get Our Advisor Resources: Text 602-989-5022

Every NFL player has made choices that shaped his future: the college he signed with, the team he picked in free agency, the person he married. The 1Hundred Year Family series continues with the choice that decides whether wealth lasts a hundred years: who you hire to manage it. Riccardo Stewart opens with a story from a Mayo Clinic speaker about the "second hour," the extra time that turns a standard checkup into an accurate diagnosis, and what it means for financial advice. Jeff Locke explains the difference between a track home and a custom home when it comes to your investments. Sam Acho breaks down the suitability standard versus the fiduciary standard, and why "fiduciary" comes from the Latin word for trust. Zach Miller asks the question most players never think about: will your advisor still be there for your kids and grandkids? Jeff closes with practical resources to help you choose wisely.

Connect with Us
• Call or text us: 602-989-5022
• Website: https://www.athletefamilyoffice.com/?utm_source=awm-capital&utm_medium=streaming&utm_campaign=ep-77-choosing-wisely&utm_content=show-notes
• YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA
• LinkedIn: https://www.linkedin.com/company/awmcapital/
• Instagram: https://www.instagram.com/awmcapital/
• X: https://twitter.com/awmcapital
• Facebook: https://www.facebook.com/awmcapital/

Article to Read
• The Decision Is Hard — Especially When You Don’t Know What You Don’t Know, by Travis Chick, CFP®, CPWA®, AEP®: https://www.athletefamilyoffice.com/resource/the-decision-is-hard-especially-when-you-dont-know-what-you-dont-know?utm_source=awm-capital&utm_medium=streaming&utm_campaign=ep-77-choosing-wisely&utm_content=show-notes

Chapters
00:00 Welcome: The 1Hundred Year Family And The Choices That Build It
01:17 The Second Hour: What A Mayo Clinic Story Teaches About Advice
03:04 Broker Or Family Office: The Two Choices Most NFL Players Face
03:55 Track Home vs Custom Home (Jeff Locke)
05:55 Suitability vs Fiduciary: Who Is Your Advisor Working For? (Sam Acho)
08:20 Built For 100 Years: Will Your Advisor Outlast Your Career? (Zach Miller)
10:35 Three Resources To Help You Choose Wisely (Jeff Locke)
11:31 Closing: The Decisions We Make Today

The biggest contract of your life is not the number on the headline. Jeff Locke opens with the math on a $132 million deal: $100 million "guaranteed," about $80 million likely to be paid, and roughly $45 million in your pocket after tax and agent fees.

From there, Sam Acho, Zach Miller, Jeff Locke, and host Riccardo Stewart go around the table on what it actually feels like to get paid in the NFL, and what separates the players who get it right from the ones who get it wrong.

On the wrong side: trusting people you don't need to trust, anchoring your spending to the headline number, and never learning the business of the NFL.

On the right side: living simple and staying a ball guy, building a giving plan before the requests come in, thinking like a CEO about who is on your team and how they get paid, and staying educated instead of handing everything off. Three former players, one former coach, no corporate speak.

Connect with Us

• Call or text us: 602-989-5022
• Website: https://www.athletefamilyoffice.com
• YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA
• LinkedIn: https://www.linkedin.com/company/awmcapital/
• Instagram: https://www.instagram.com/awmcapital/
• X: https://twitter.com/awmcapital
• Facebook: https://www.facebook.com/awmcapital/

Chapters
00:00 Cold Open: $132 Million Is Really $45 Million
00:30 Welcome: Getting Paid, Getting It Right vs Getting It Wrong
01:32 Zach Miller: What Signing The Big Deal Actually Feels Like
02:52 Getting It Wrong: Trusting People You Don't Need To (Sam Acho)
04:29 Getting It Wrong: Anchoring Your Spending To The Headline Number (Jeff Locke)
05:54 Getting It Wrong: Not Understanding The Business Of The NFL (Zach Miller)
07:42 Getting It Right: Living Simple And Staying A Ball Guy
08:42 Getting It Right: Building A Giving Plan Before The Requests Come In
09:48 Getting It Right: Thinking Like A CEO
10:48 Getting It Right: Staying Educated, Plus How To Reach Us