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Description
We know dealing with your finances can be a challenging and emotional topic, which is why we thought it was time to bring some clarity to the subject.
With all of the confusion and conflicting information out there about money and financial planning, this podcast aims to cut through the clutter with real, honest, to-the-point financial conversations. You won't find any fluff here - just quick, bite-sized insights and real discussions about financial topics that may impact you. And of course, we'll throw in a bit of fun and some sports trivia!
Hosted by Certified Financial Fiduciaries and partners at Keystone Financial Group, Ed Beemiller, Ryan Fleming, and Brian Minier, The Financial Huddle aims to bring you clarity, confidence, and conversations around money that you can relate to.
Tune in today and make sure to subscribe to be notified of future episodes!
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Disclosure:
Information contained in this podcast is for entertainment and informational purposes only, and should not be considered as financial advice. Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Keystone Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.
16 Episodes
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We lay out a clear path for new and seasoned investors to avoid costly behavior, understand basic strategies, and keep more of their returns. Data from Dalbar and simple math on “best days” show why time in the market, low fees, and an emergency fund matter most. • why average investors underperform broad indexes • the risk of missing the market’s best days • the role of an emergency fund in avoiding forced sales • active vs indexing vs passive vs evidence-based approaches • mutual funds vs ...
What if the most important number in your retirement plan isn’t your average return but the order of your returns? We dig into the real mechanics of “safe” withdrawals—why the famous 4% rule became a staple, how William Bengen’s updated 4.7% changes the picture, and where a conservative 3% mindset fits for those who value longevity protection over maximum income. Along the way, we translate the math into plain English and show what these percentages mean for an everyday income gap. We walk t...
First paychecks feel like a win… until taxes, rent, and loans show up. We break the noise with a clear playbook for 20-somethings: how to build a budget that actually sticks, why “free money” from your employer match comes first, and when a Roth 401(k) or IRA can set you up for decades of tax-free growth. Along the way, a nostalgic detour through baseball and Pokémon cards shows how small choices today can turn into big regrets—or big wins—tomorrow. We run the numbers: start at 24 with $500 ...
Resolutions fade when they rely on motivation. In this episode, we trade hype for design, showing how to build a practical system that links sleep, budgeting, and automated savings into one durable routine for real wellness. Money stress touches everything—health, relationships, even the way we sleep—so we break the cycle by starting upstream and moving step by step toward financial clarity. We begin with the surprising keystone habit: sleep. With enough rest, willpower matters less and bett...
The Financial Huddle Christmas Special delivers exactly what the season demands: nostalgia, music, and a financial planning twist wrapped in pure holiday energy. Ryan, Ed, and Brian open with their favorite Christmas songs—Bing Crosby, Pentatonix, Little Drummer Boy—and pivot straight into a full breakdown of “The 12 Days of Financial Planning,” a playful but legitimately valuable guide built around the classic Christmas tune. Across the episode, the team walks through each “day” with clear, ...
Black Friday isn’t just a retail circus. It’s a masterclass in consumer psychology—and a perfect window into how people think about value. In this episode of The Financial Huddle, Ed, Ryan, and Brian break down the real lessons hidden inside the biggest shopping event of the year and translate them directly into smart financial strategy. They open with the cultural shift around Black Friday, the rise of online shopping (nearly $11 billion in U.S. online sales last year alone), the explosive g...
They said the 2025 tax brackets were made permanent — but we’ve all seen this movie before. In this episode, Brian, Ryan, and Ed dig deep into The One Big Beautiful Bill and reveal why “permanent” tax cuts might be the most temporary promise in Washington. The conversation breaks down how the Tax Cuts and Jobs Act reshaped the system, why the brackets that were supposed to expire suddenly didn’t, and what that means for your wallet long-term. The trio explores the math that former U.S. Comptr...
In this episode of The Financial Huddle, Ryan, Ed, and Brian break down one of the most talked-about new pieces of legislation - The One Big Beautiful Bill. There's been a lot of noise about "tax-free" Social Security, overtime, and tips, but what's actually true? The team cuts through the misinformation and explains exactly: - What the new deductions mean for tips, overtime pay, and seniors. - Why none of these are truly "tax-free" (and how the math really works) - How long these changes l...
The U.S. government has shut down—again. Headlines are screaming panic, markets are twitching, and the noise is deafening. In this episode, we cut straight through the hype and break down what actually matters for your money, your investments, and your long-term plan. Most investors make the same costly mistakes during events like this—panic selling, chasing cash, abandoning strategy, or freezing in fear. We explain exactly how to avoid those traps and why government shutdowns are political ...
In this episode of The Financial Huddle, Brian, Ed, and Ryan take a deep dive into the financial habits that can make or break your future. The conversation starts lighthearted with stories about kids heading off to college and parents still stepping in to guide their finances, but quickly shifts into the core theme: common financial fumbles and how to avoid them. Ed shares a real-world story of helping his son pay off nearly maxed-out credit card debt, showing the dangers of high-interest ba...
This week on The Financial Huddle, we kick things off with football season energy, family updates, and even some half-marathon training mishaps—but the conversation quickly pivots to one of the biggest concerns we hear from clients: Will I run out of money in retirement? It’s not just a casual worry. Studies show that the fear of outliving savings consistently ranks as the top financial concern among Americans—often above the fear of death itself. Whether you’re lower income, middle class, or...
Welcome back to The Financial Huddle! In this episode, Ryan, Ed, and Brian kick things off with the rise of pickleball, from neighborhood courts to Bainbridge Island’s Hall of Fame. But beyond the sport, pickleball serves as the perfect analogy for today’s topic: fiduciary duty. We break down: What it really means to be a fiduciary and why it matters to you.The difference between “suitable” advice and acting in your best interest.The history of fiduciary standards, from Roman law to the Inves...
When clients sit down with us, one question comes up more than any other: “When can I retire?” In this episode of The Financial Huddle, we dive deep into the realities behind that question—why so many Americans don’t know their retirement number, why living longer makes planning more complex, and why early retirement often isn’t a choice. Ryan also shares his personal story of being forced into “retirement” from professional baseball with the Philadelphia Phillies, and how that shaped his per...
In this episode of The Financial Huddle, Brian, Ed, and Ryan dive into the power of focus - in family, finances, and your future. From navigating wedding season and NFL internships to strategic college funding and business-owner tax planning, the team highlights how intentional financial strategies can create confidence and certainty at every life stage. They also explore long-term care planning, Social Security optimization, and the rising need for tax-free retirement strategies. ...
In Episode 2 of The Financial Huddle, the team dives deep into the importance of process—on the field, in college athletics, and in financial planning. The conversation kicks off with a personal story about how new NCAA rules allowing direct pay to athletes are reshaping college sports, sparking thoughtful dialogue about the ripple effects on non-revenue sports and smaller programs like Butler. From there, we shift to what we know best: helping people make sound financial decisions by emphasi...
Episode 1: Welcome to The Financial Huddle – What is our Why? In our very first episode, meet your hosts Ryan Fleming, Ed Beemiller, and Brian Minier as we launch The Financial Huddle! We’re diving into why we started this podcast, how we each found our way into financial planning, and why financial literacy matters now more than ever. From sports backgrounds to corporate careers, we share our stories, our passion for helping others, and our vision for this podcast. Whether you're just starti...
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