WEBVTT NOTE This file was generated by Descript 00:00:19.036 --> 00:00:20.716 Riccardo Stewart: Hey, I wanna welcome you guys back to another 00:00:20.716 --> 00:00:23.566 episode of the A-W-M-N-F-L podcast. 00:00:23.716 --> 00:00:25.186 My name is Ricardo Stewart. 00:00:25.216 --> 00:00:28.426 They call me the coach, and I'm joined with my friend Sam Acho, the 00:00:28.426 --> 00:00:29.986 mayor, the professor Jeff Locke. 00:00:29.986 --> 00:00:32.386 And lastly, my man, Zach Miller. 00:00:32.386 --> 00:00:33.046 The truth. 00:00:33.736 --> 00:00:38.836 Guys, want to, we, we talk about the NFL athlete because we're all passionate 00:00:38.836 --> 00:00:40.636 about serving him and and his family. 00:00:41.251 --> 00:00:42.391 But you know what I get? 00:00:42.396 --> 00:00:44.371 I, I, I'm talking to people around like, listen, I'm 00:00:44.371 --> 00:00:45.871 working with some amazing guys. 00:00:45.871 --> 00:00:49.741 We got over 20 years of NFL experience, and we don't really get a chance 00:00:49.741 --> 00:00:53.161 to hear from you guys in particular of not only just your careers, 00:00:53.341 --> 00:00:55.801 but why you do what you do now. 00:00:55.801 --> 00:00:59.401 And so, all I wanna do now is just be able to ask you guys some questions. 00:00:59.401 --> 00:01:04.711 I obviously, you're my friends and say you wanna say about essentially why you 00:01:04.711 --> 00:01:09.061 guys got into the profession that you're in and, and what does it mean to you. 00:01:09.331 --> 00:01:12.781 To be able to be a part of a family office that serves the NFL athlete. 00:01:12.781 --> 00:01:15.481 And so let me start first with you, Zach. 00:01:15.661 --> 00:01:18.841 I mean, one, just tell us a little bit about your, your background and 00:01:18.871 --> 00:01:21.931 essentially your why, and I'm gonna ask you some questions off of that. 00:01:23.896 --> 00:01:24.106 Zach Miller: Yeah, 00:01:24.211 --> 00:01:24.501 Jeff Locke: Yeah. 00:01:24.526 --> 00:01:25.936 My biggest why is 00:01:26.026 --> 00:01:29.296 Zach Miller: wanted to be the change, that I 00:01:29.446 --> 00:01:30.376 Jeff Locke: that I think is 00:01:30.496 --> 00:01:33.346 Zach Miller: possible, like going back, getting my finance 00:01:33.436 --> 00:01:33.736 Jeff Locke: finance. 00:01:34.306 --> 00:01:34.726 Zach Miller: seeing how. 00:01:35.956 --> 00:01:36.856 Good financial 00:01:36.991 --> 00:01:37.261 Jeff Locke: Financial, 00:01:37.336 --> 00:01:39.496 Zach Miller: be and seeing what, you know, what I got 00:01:39.526 --> 00:01:40.606 Jeff Locke: I got everything 00:01:40.666 --> 00:01:42.226 Zach Miller: PA is like, Hey, get an 00:01:42.556 --> 00:01:43.046 Jeff Locke: advisor, 00:01:43.186 --> 00:01:48.796 Zach Miller: one of the Big Wall Street firms, a separate CPA, and so you know 00:01:48.826 --> 00:01:52.906 how much more I paid in taxes than I should have, how much opportunity costs 00:01:52.906 --> 00:01:56.836 by being too conservative and by owning too many bonds, like we're talking 00:01:56.876 --> 00:01:57.721 Jeff Locke: millions of. 00:01:58.846 --> 00:02:00.616 Zach Miller: that I wanted that to change. 00:02:00.616 --> 00:02:01.396 And so the only way I 00:02:01.411 --> 00:02:03.241 Jeff Locke: Only way I can think of doing that was actually 00:02:03.991 --> 00:02:06.151 be an advisor and directly with the guys, 00:02:06.451 --> 00:02:07.951 Zach Miller: that, that was me, you know, at the 00:02:08.046 --> 00:02:08.386 Jeff Locke: you know, 00:02:08.791 --> 00:02:09.301 the highest paying 00:02:09.451 --> 00:02:10.621 Zach Miller: made a bunch of money 00:02:10.801 --> 00:02:11.161 Jeff Locke: money 00:02:11.851 --> 00:02:12.181 and that 00:02:12.181 --> 00:02:13.876 opportunity so short, you have 00:02:13.981 --> 00:02:15.481 Zach Miller: that little bit of time to maximize it. 00:02:15.481 --> 00:02:15.751 So 00:02:15.841 --> 00:02:15.901 Jeff Locke: it. 00:02:15.901 --> 00:02:16.021 So 00:02:16.471 --> 00:02:18.116 that's the biggest reason I that change. 00:02:18.546 --> 00:02:19.036 because 00:02:19.321 --> 00:02:19.801 Zach Miller: because looking 00:02:20.071 --> 00:02:21.871 Jeff Locke: looking around even now, advisor, how 00:02:22.591 --> 00:02:22.981 bad. 00:02:23.311 --> 00:02:24.361 Zach Miller: Advisors are that work 00:02:24.391 --> 00:02:24.691 Jeff Locke: are that guys? 00:02:24.871 --> 00:02:25.891 Zach Miller: guys, they're just straight up. 00:02:25.891 --> 00:02:26.911 They're not good, they're 00:02:26.926 --> 00:02:27.016 Jeff Locke: They're 00:02:27.421 --> 00:02:27.901 Zach Miller: elite. 00:02:28.231 --> 00:02:29.941 And you and NFL players should 00:02:30.171 --> 00:02:31.701 Jeff Locke: deserve the best deserve. 00:02:31.711 --> 00:02:36.511 Zach Miller: that actually want to make a huge impact in, it's 00:02:36.511 --> 00:02:41.281 not easy, but there is a ton of opportunity out there for NFL players 00:02:41.281 --> 00:02:46.621 and there's just such weak advisors that are working in the NFL world. 00:02:46.846 --> 00:02:49.126 Riccardo Stewart: Listen, Zach is not like holding anything back. 00:02:49.126 --> 00:02:50.926 I mean, weak. 00:02:51.076 --> 00:02:52.696 Sorry, bad. 00:02:55.006 --> 00:02:59.056 So there as former as athletes wanna stay around the game. 00:02:59.476 --> 00:03:03.706 What I've seen is either you try to become a coach, maybe you go 00:03:03.706 --> 00:03:07.666 become an agent, very few, but you, you're seeing it more and more. 00:03:07.666 --> 00:03:09.196 They become an advisor. 00:03:09.736 --> 00:03:13.516 Jeff, I know you a little bit to go, like there was a point in your career 00:03:13.516 --> 00:03:17.176 or at least your education where maybe engineering, I know your dad's a pilot. 00:03:17.176 --> 00:03:20.176 Like how did you, and why do you do what you do now? 00:03:22.036 --> 00:03:24.106 Jeff Locke: Yeah, it was kind of a, it wasn't a straight 00:03:24.106 --> 00:03:25.366 line, like you said, right? 00:03:25.366 --> 00:03:27.226 I wanted to be an engineer in college first. 00:03:27.406 --> 00:03:30.916 Um, slowly realized, uh, you can't do engineering labs when you have 00:03:30.916 --> 00:03:32.206 football practice in the afternoons. 00:03:32.206 --> 00:03:34.606 So next best thing was economics. 00:03:35.161 --> 00:03:36.391 Just fell in love with that. 00:03:36.811 --> 00:03:39.721 And some of you guys might not even know this, but I was part 00:03:39.721 --> 00:03:42.691 of the National College Players Association back in college. 00:03:42.751 --> 00:03:45.961 I was one of a few guys around the country that were like an intern for 00:03:45.961 --> 00:03:48.181 the NCPA for three years in college. 00:03:48.631 --> 00:03:52.201 So my first taste of helping players was actually trying to get bills 00:03:52.201 --> 00:03:56.161 pushed through, um, California state legislature to try and get 00:03:56.161 --> 00:03:58.471 guys more protections in college. 00:03:58.531 --> 00:04:01.621 So we tried to get back Then you didn't have full scholarship checks, right? 00:04:01.621 --> 00:04:01.832 So like. 00:04:02.791 --> 00:04:06.481 Helping guys try to get more for their meal money, helping guys get 00:04:06.901 --> 00:04:10.711 bigger medical protections right from the schools, stuff like that. 00:04:10.711 --> 00:04:12.001 So that was the first taste. 00:04:12.001 --> 00:04:15.121 And then I was helping guys budget their scholarship checks. 00:04:15.121 --> 00:04:18.811 So they were asking their families for less money in addition to their 00:04:18.811 --> 00:04:21.541 checks, just to get by in college. 00:04:21.961 --> 00:04:25.411 So that really kicked it all off for me, was just helping my teammates. 00:04:25.441 --> 00:04:28.021 'cause I knew they were struggling back in college. 00:04:28.501 --> 00:04:31.111 Right then I had the crazy fortunate experience. 00:04:32.206 --> 00:04:35.476 After my second year in the NFL I interned at an investment company 00:04:35.926 --> 00:04:39.976 and my project there was to figure out why NFL guys go broke. 00:04:40.306 --> 00:04:42.976 This was literally after the broke documentary came out. 00:04:43.456 --> 00:04:48.586 All this, all these headlines, everyone just crapping on guys for 00:04:48.646 --> 00:04:50.536 thinking every NFL guy goes broke. 00:04:50.896 --> 00:04:53.266 'cause that was the headline and that pissed me off. 00:04:53.596 --> 00:04:55.786 I was like, no, I know NFL guys don't all go broke. 00:04:56.596 --> 00:04:59.806 And I wanted to figure out the reasons why guys actually went broke. 00:05:00.436 --> 00:05:00.616 So. 00:05:01.546 --> 00:05:06.736 After all that experience, I also learned what real advisors do by 00:05:06.736 --> 00:05:10.906 working at that investment company, and I literally fired my advisor within 00:05:10.906 --> 00:05:12.646 like a couple months of working there. 00:05:13.046 --> 00:05:16.306 Because they weren't like one of the real ones delivering real 00:05:16.306 --> 00:05:18.496 advice on that side of the business. 00:05:18.856 --> 00:05:21.166 So really just like 00:05:23.266 --> 00:05:27.286 Zach came at it from one angle, my angle is like, I'm sick of dudes 00:05:27.286 --> 00:05:29.536 getting scammed, getting ripped off, and getting terrible advice. 00:05:30.046 --> 00:05:34.246 It's very similar to Zach's angle, but um, I'm like, you 00:05:34.246 --> 00:05:36.136 gotta just, you gotta go do it. 00:05:36.166 --> 00:05:39.406 You gotta go deliver the advice, you know, the guy should get, um, 00:05:39.406 --> 00:05:40.456 and change it from the inside. 00:05:41.716 --> 00:05:43.816 Riccardo Stewart: Man, I didn't know that about you, Jeff. 00:05:43.816 --> 00:05:46.996 This is, you know, we gotta do more podcasts that I can ask you more 00:05:46.996 --> 00:05:49.426 questions so that I can find out more things about your personal life. 00:05:49.876 --> 00:05:51.076 I mean, forget working together. 00:05:52.876 --> 00:05:56.086 There's, I'm, I'm like in this fortunate POS like position for me. 00:05:56.086 --> 00:05:59.836 One, what I do as a hobby is I coach high school football and I'm literally 00:05:59.866 --> 00:06:02.026 coaching with like four former NFL guys. 00:06:02.026 --> 00:06:04.546 I mean, Larry Fitzgerald's around, Donna McNabb's around. 00:06:04.546 --> 00:06:06.766 It's like, man, there's NFL guys here. 00:06:06.886 --> 00:06:09.316 And then what I do for work is I'm around you guys and I'm 00:06:09.316 --> 00:06:10.756 around guys who've been in it. 00:06:11.056 --> 00:06:13.936 And not just like taste it a little bit, five years, nine 00:06:13.936 --> 00:06:15.376 years, eight years career. 00:06:15.556 --> 00:06:19.396 Sam, why does it matter that you are a former player when 00:06:19.396 --> 00:06:20.836 it comes to what you do now? 00:06:22.381 --> 00:06:22.531 Sam Acho: Yeah. 00:06:22.531 --> 00:06:25.711 The reason why it matters that I'm a former player when it comes 00:06:25.711 --> 00:06:29.611 to what I do now is that as a former player, I've lived it. 00:06:29.761 --> 00:06:31.216 So Jeff talked about that. 00:06:32.026 --> 00:06:34.606 Broke documentary about how all these athletes go broke. 00:06:34.606 --> 00:06:38.866 Well, not only was I a former player in my second year in the NFLI got elected by my 00:06:38.866 --> 00:06:42.616 teammates of the Arizona Cardinals to be the player representative of the NFL pa. 00:06:43.096 --> 00:06:46.066 So when it came to any voting decisions for our Cardinals team, I was the 00:06:46.066 --> 00:06:49.546 one voting, but also showed up to the Board of Representatives meetings when 00:06:49.546 --> 00:06:54.136 they're sharing all this information about athletes and athletes going broke 00:06:54.136 --> 00:06:57.766 and being depressed and divorced and bankrupt within a few years after playing. 00:06:57.766 --> 00:06:59.926 And I remember being a rookie second year player thinking. 00:07:01.516 --> 00:07:06.316 It was my dream at a time to make it to the NFL, though I've 00:07:06.316 --> 00:07:09.046 accomplished that dream, it looks like failure's coming down the line. 00:07:09.826 --> 00:07:11.086 It just became very clear. 00:07:11.566 --> 00:07:15.856 And so the reason why it matters, the reason that it matters that I'm a 00:07:15.856 --> 00:07:19.996 former player, is that not only have I seen the inside, whether it's from 00:07:19.996 --> 00:07:24.526 the NFL PA perspective, from playing for nine years on different teams and 00:07:24.526 --> 00:07:28.636 experienced it, but I've also seen what happens to other guys, former 00:07:28.636 --> 00:07:30.416 teammates who have made a ton of money. 00:07:31.126 --> 00:07:33.751 and they thought they were going to achieve generational 00:07:33.751 --> 00:07:37.141 wealth and generational success and they actually don't. 00:07:37.771 --> 00:07:40.741 so for me, it's this mission of saying, okay, how do I help empower 00:07:40.741 --> 00:07:43.741 players to realize that, hey, just 'cause you signed that big 00:07:43.741 --> 00:07:45.661 contract doesn't guarantee success. 00:07:45.661 --> 00:07:48.151 In fact, most times you won't get that success. 00:07:48.151 --> 00:07:49.201 I think it's 1 out of 10. 00:07:49.591 --> 00:07:51.721 will pass down that wealth to the third generation. 00:07:52.111 --> 00:07:57.091 So if we got to here, that's not actually success. 00:07:58.336 --> 00:08:02.596 I, I, and as a former player, not only have I lived it, but I've seen it and 00:08:02.596 --> 00:08:06.856 so I'm trying to help guys bridge the gap to, okay, this is what you did. 00:08:07.186 --> 00:08:11.596 You say you wanna get here the last 15, 20 years with the kind 00:08:11.596 --> 00:08:12.646 of advice we've been getting. 00:08:12.706 --> 00:08:13.816 It's not gonna get you there. 00:08:14.296 --> 00:08:15.106 It point blank period. 00:08:15.106 --> 00:08:16.156 There has to be a different way. 00:08:16.216 --> 00:08:18.616 so I have a different perspective on how to get there. 00:08:19.306 --> 00:08:19.426 Riccardo Stewart: Yeah. 00:08:20.186 --> 00:08:25.411 know, there, my sophomore year in college, I had probably one of my 00:08:25.411 --> 00:08:28.591 best years at Arizona Estate, and I tell people like, man, what happened? 00:08:28.591 --> 00:08:30.121 Were you just, did you train differently? 00:08:30.121 --> 00:08:30.776 And I said, no, no, no. 00:08:31.426 --> 00:08:34.216 There was a guy that played in front of me by the name of Terrell Suggs. 00:08:34.426 --> 00:08:34.816 Okay. 00:08:35.266 --> 00:08:36.646 And this dude was amazing. 00:08:36.646 --> 00:08:40.246 So when you're a safety paying, playing behind a defensive end like that, 00:08:40.426 --> 00:08:42.976 you're gonna have more interceptions, you're gonna have more opportunities. 00:08:42.976 --> 00:08:43.516 'cause guess what? 00:08:43.516 --> 00:08:45.046 Nobody's thinking about you. 00:08:45.136 --> 00:08:45.676 You know what I mean? 00:08:46.036 --> 00:08:48.046 And there is about, what you do is who you're around. 00:08:48.046 --> 00:08:50.866 And so when I came to do this job, it was like, okay, you're 00:08:50.866 --> 00:08:52.276 gonna work with Zach Miller. 00:08:52.366 --> 00:08:53.806 You're gonna work with Sam Acho. 00:08:53.991 --> 00:08:55.251 And then Jeff came along. 00:08:55.461 --> 00:08:59.811 Now it's a lot easier for me as a safety back there, making sure when 00:08:59.811 --> 00:09:02.421 things are in the air, I can just pick them off because I already know 00:09:02.421 --> 00:09:03.531 what's happening in front of me. 00:09:03.531 --> 00:09:04.671 I mean, it really does. 00:09:05.001 --> 00:09:05.781 It matters. 00:09:06.591 --> 00:09:10.851 Now I wanna ask you three, what are the hurdles and not necessarily, what's 00:09:10.851 --> 00:09:14.571 the difficulties of being a part of a family office serving NFL athletes? 00:09:14.841 --> 00:09:18.111 What are the hurdles for the athlete to see exactly what they need? 00:09:18.421 --> 00:09:21.301 How does that make you feel and what are the challenges? 00:09:21.301 --> 00:09:22.081 You get what I'm saying? 00:09:22.081 --> 00:09:25.801 Like what are the things that you go, man, I wish they only knew. 00:09:26.491 --> 00:09:27.211 Fill in the blank. 00:09:27.541 --> 00:09:28.741 Jeff, I'm gonna start with you. 00:09:30.084 --> 00:09:32.634 Jeff Locke: I wish they only knew how the sausage is made behind 00:09:32.664 --> 00:09:34.704 the scenes at most advisory firms. 00:09:35.244 --> 00:09:35.484 Right. 00:09:35.484 --> 00:09:36.624 It's not pretty. 00:09:37.224 --> 00:09:37.734 Right. 00:09:37.824 --> 00:09:41.694 It's, uh, it's unfortunately all about just. 00:09:42.429 --> 00:09:46.869 Who's my next client gonna be and how do I get as much money from them as possible 00:09:46.929 --> 00:09:50.499 into the accounts that I manage, so that I can make as much money as I can? 00:09:51.069 --> 00:09:55.269 That's point blank how most of our industry operates. 00:09:55.719 --> 00:09:59.229 Um, when I was interviewing other firms, that was some of the stuff 00:09:59.229 --> 00:10:03.159 I was hearing in the interviews was essentially, Hey, how much can you 00:10:03.159 --> 00:10:08.019 bring in from guys you know, in the NFL and how fast can you bring it in? 00:10:08.499 --> 00:10:09.519 That's all they cared about. 00:10:09.789 --> 00:10:10.869 Some of the other firms that I. 00:10:11.484 --> 00:10:14.454 Thought I might go to before I knew what I knew about the industry. 00:10:15.204 --> 00:10:20.559 So there are some people out there that care, some advisors that care, other, 00:10:20.649 --> 00:10:24.939 other companies kind of built like we're built, built by former athletes. 00:10:25.359 --> 00:10:28.389 But it's hard to find them, right? 00:10:28.389 --> 00:10:31.269 Most are just part of this bigger machine, right? 00:10:31.269 --> 00:10:35.679 Serving mom and pop and then they think it's the coolest thing in the world 00:10:35.679 --> 00:10:38.529 when they get an athlete client, they can brag about to all their friends. 00:10:38.949 --> 00:10:41.829 But they're not actually giving you the service that you deserve. 00:10:41.919 --> 00:10:44.589 They don't have the experience and the expertise to do it. 00:10:45.003 --> 00:10:47.643 something I wish I knew, I didn't find out till too late. 00:10:47.673 --> 00:10:52.863 Again, I fired one advisor and then another advisor took me a while. 00:10:53.223 --> 00:10:57.081 Um, I hate to say it, but you're kind of a trophy to be honest, at most firms, right? 00:10:57.081 --> 00:11:00.171 You're the, you're the cool get that the advisor gets to tell 00:11:00.171 --> 00:11:01.881 all his other buddies about. 00:11:02.286 --> 00:11:05.856 Versus like actually being built to serve a client like you. 00:11:06.461 --> 00:11:07.026 Riccardo Stewart: I like that. 00:11:07.626 --> 00:11:08.436 I like that. 00:11:09.276 --> 00:11:11.706 Sam, what would you add to that from your perspective? 00:11:13.566 --> 00:11:17.809 Sam Acho: Yeah, I would say that I, I wish I knew, I wish 00:11:17.809 --> 00:11:20.989 I knew how the system worked. 00:11:21.769 --> 00:11:26.749 what I mean by that is, you may have an advisor and you think, man, this 00:11:26.749 --> 00:11:31.099 advisor has my best interest in mind without realizing that some of the 00:11:31.099 --> 00:11:34.584 things that you're being, um, offered, I'll use the word, uh, offered. 00:11:35.479 --> 00:11:37.639 Aren't necessarily in your best interest, but they're in 00:11:37.639 --> 00:11:39.289 your advisor's best interest. 00:11:39.979 --> 00:11:43.099 Let's say something like, oh, I think I, uh, life insurance. 00:11:43.399 --> 00:11:44.689 Oh yeah, I'm gonna get life insurance. 00:11:44.689 --> 00:11:47.419 But the same guy who's managing my money is also going to 00:11:47.569 --> 00:11:48.649 sell me this life insurance. 00:11:48.649 --> 00:11:51.589 And he is not telling me how much he's making from the life insurance. 00:11:51.619 --> 00:11:51.829 Oh. 00:11:51.829 --> 00:11:54.529 When it comes to different, uh, investment opportunities. 00:11:54.529 --> 00:11:56.449 Oh, telling me that. 00:11:56.749 --> 00:12:00.259 Well, the investments that they're offering are, are, are only a part of 00:12:00.259 --> 00:12:03.139 their company per se, and there's better investments out there, but they're 00:12:03.139 --> 00:12:04.399 not gonna make money off of those. 00:12:04.819 --> 00:12:08.569 They won't tell me about though, like I had no idea about any of that. 00:12:09.439 --> 00:12:11.659 Even when it comes to different types of retirement accounts. 00:12:11.659 --> 00:12:14.089 Like I, I'm, I'm trying to, I'm kind of getting in the weeds a little bit, but 00:12:14.089 --> 00:12:17.629 some of this is like, it's just so you talk about the passion or excitement or 00:12:17.629 --> 00:12:21.859 whatever, it's like, I didn't know any of this and I played nine years in the 00:12:21.859 --> 00:12:25.939 NFL and I was one of the, I was voted as the top 20 smartest athletes in sports. 00:12:26.509 --> 00:12:27.739 I was a player representative. 00:12:27.739 --> 00:12:30.469 I, I was in the N-F-L-P-A and none of this was talked about. 00:12:31.219 --> 00:12:33.529 so I just wish that players really knew. 00:12:34.774 --> 00:12:39.994 I wish players really knew how the system worked when it came to their 00:12:39.994 --> 00:12:44.554 money, their wealth, and how people around them are actually not only getting 00:12:44.554 --> 00:12:47.494 paid, but also incentivized to get paid. 00:12:47.959 --> 00:12:48.409 Riccardo Stewart: Yeah. 00:12:48.619 --> 00:12:49.369 Yeah. 00:12:49.459 --> 00:12:50.864 And Zach, I'd love to hear from you. 00:12:51.364 --> 00:12:53.944 Zach Miller: Yeah, the, I mean, I think it, it comes down to I 00:12:53.944 --> 00:12:58.834 wish guys understood what a real family office is, and not all the 00:12:58.834 --> 00:13:00.094 pretenders that are out there. 00:13:00.094 --> 00:13:00.874 There's just a lot. 00:13:00.874 --> 00:13:05.854 And whether they're life insurance salesmen, selling whole life, not good 00:13:05.854 --> 00:13:09.394 for players, point blank, shouldn't be. 00:13:09.454 --> 00:13:12.334 No one should be buying whole life policies when you're 00:13:12.339 --> 00:13:14.434 21, 20 2-year-old in the NFL. 00:13:14.434 --> 00:13:16.774 Like there's a million better investments in that. 00:13:18.439 --> 00:13:20.569 no, I mean, people just don't know what a family office is. 00:13:20.569 --> 00:13:21.919 I didn't know what one was. 00:13:22.309 --> 00:13:26.449 These companies, now these Wall Street firms are, are claiming to offer wall or 00:13:26.659 --> 00:13:31.189 they're offering family office services and you, there's no, there's nothing. 00:13:31.219 --> 00:13:32.839 There's no family office services. 00:13:32.839 --> 00:13:34.609 You're either a family office or you're not. 00:13:34.639 --> 00:13:38.329 You either are doing what's best for your players or you're 00:13:38.329 --> 00:13:39.469 doing what's best for yourself. 00:13:39.469 --> 00:13:41.059 You can't have it both ways. 00:13:41.419 --> 00:13:44.239 And so to understand like how much taxes matter. 00:13:44.674 --> 00:13:47.074 I mean, we've personally experienced, I've personally experienced it, how 00:13:47.074 --> 00:13:50.524 much taxes matter, how much things like venture capital, private equity, 00:13:50.524 --> 00:13:55.084 the right way, because most of private equity, those kind of fun or cool or 00:13:55.354 --> 00:13:59.644 you know, private investment world, if you pick the wrong ones, you just 00:13:59.644 --> 00:14:02.884 get very boring market like returns. 00:14:02.884 --> 00:14:03.814 And so things 00:14:03.964 --> 00:14:04.594 Jeff Locke: Things like that 00:14:05.579 --> 00:14:06.069 matters. 00:14:06.694 --> 00:14:08.349 Generational actually 00:14:08.644 --> 00:14:09.814 Zach Miller: once you start splitting money. 00:14:10.669 --> 00:14:13.489 You know, two ways, four ways, eight ways, 16 ways. 00:14:13.489 --> 00:14:13.909 All that 00:14:13.979 --> 00:14:14.269 Jeff Locke: that. 00:14:14.329 --> 00:14:14.869 Zach Miller: matter. 00:14:14.869 --> 00:14:18.169 And so it actually, people say they want generational wealth, then 00:14:18.169 --> 00:14:19.579 they don't pick a family office. 00:14:19.579 --> 00:14:23.329 Like there's just a lot of things that players need to know, and it's 00:14:23.329 --> 00:14:24.829 so hard to know when you're 20. 00:14:24.829 --> 00:14:26.629 It's so hard to know when you're so young. 00:14:27.049 --> 00:14:30.949 But if you do want those things, you gotta learn quick. 00:14:31.264 --> 00:14:31.654 Riccardo Stewart: Love it. 00:14:31.924 --> 00:14:32.464 I love it. 00:14:32.944 --> 00:14:34.624 Wanna put you guys on the spot? 00:14:36.394 --> 00:14:40.054 If I were talking to somebody and an athlete and saying, Hey, you're 00:14:40.054 --> 00:14:43.234 gonna choose to work with a WM, you get a chance to work with Sam Macho. 00:14:43.264 --> 00:14:44.794 You get a chance to work with Jeff Locke. 00:14:45.064 --> 00:14:45.664 Zach Miller. 00:14:46.504 --> 00:14:49.054 If I had to give him one sentence, you had to say, Hey, working with 00:14:49.054 --> 00:14:51.184 me, you will experience this. 00:14:51.874 --> 00:14:55.144 guys get one sentence working with me, you will experience this. 00:14:55.444 --> 00:14:58.624 I'm gonna start first with you, Sam, with Sam Macho. 00:14:58.624 --> 00:15:00.029 You will get or experience. 00:15:00.804 --> 00:15:04.704 Sam Acho: Working with Sam Macho, you'll get an experience, someone 00:15:04.824 --> 00:15:08.574 who not just cares about you, like to the day that you die. 00:15:08.604 --> 00:15:09.864 'cause it's more than just about that. 00:15:10.749 --> 00:15:15.459 Not just who has your best interest in mind, but who has actually lived it, who 00:15:15.459 --> 00:15:19.659 has made the mistakes that you probably have made or maybe that you may be going 00:15:19.659 --> 00:15:24.129 to make, and who's gonna do his best to help empower you not to make those same 00:15:24.129 --> 00:15:27.879 mistakes, that not only he made, but also a bunch of guys who he's been around 00:15:27.879 --> 00:15:31.239 who's made a lot of money, and they've lost a lot of money they've made as well. 00:15:31.884 --> 00:15:35.694 Riccardo Stewart: Working with Jeff Locke, you will experience this. 00:15:36.803 --> 00:15:42.233 Jeff Locke: You will experience an actual expert trying to level 00:15:42.233 --> 00:15:44.663 up his game in his next career. 00:15:45.383 --> 00:15:49.073 That's gonna give you the real talk, not the BS that you want to 00:15:49.073 --> 00:15:51.768 hear, but what you need to hear to achieve what you want to achieve. 00:15:53.361 --> 00:15:57.651 Riccardo Stewart: Working with Zach Miller, the Truth, will experience this. 00:15:58.401 --> 00:16:00.921 Zach Miller: Yeah, working with Zach Miller, you're as 00:16:00.921 --> 00:16:03.051 hard as you work on the field. 00:16:03.111 --> 00:16:08.571 I will work off the field to make sure your money investments, financial planning 00:16:08.961 --> 00:16:11.301 is the best you could possibly get. 00:16:11.361 --> 00:16:12.981 That's just the, the way I am. 00:16:12.981 --> 00:16:13.821 I'm built like that. 00:16:14.376 --> 00:16:14.886 Riccardo Stewart: Love it. 00:16:15.276 --> 00:16:15.816 I love it. 00:16:16.536 --> 00:16:17.466 I'm gonna end with this one. 00:16:18.576 --> 00:16:22.926 You know, I had an older sister and I was a loud mouth, always getting in trouble. 00:16:23.676 --> 00:16:27.546 Guys would wanna fight me and as soon as my sister would show up with all of her 00:16:27.546 --> 00:16:29.526 friends, they kind of just faded away. 00:16:30.216 --> 00:16:31.266 That's how I feel working here. 00:16:31.896 --> 00:16:32.886 There's a lot of people out there. 00:16:32.886 --> 00:16:33.876 There's a lot of imposters. 00:16:33.876 --> 00:16:34.596 A lot of phonies. 00:16:34.596 --> 00:16:39.636 I really do think that a WM is the best when my crew, Sam, Jeff, and 00:16:39.636 --> 00:16:43.986 Zach show up when it comes to serving you, the imposters, fade, the black. 00:16:44.316 --> 00:16:48.696 Listen, if you have any questions about any of these guys, anything 00:16:48.696 --> 00:16:51.816 we do here at a WM, if you want some resources, we'd love to get that in 00:16:51.816 --> 00:16:53.316 your hand, so please give us a call. 00:16:53.706 --> 00:16:57.546 Our cell is 6 0 2 9 8 9 5 0 2 2.