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 last - and why they expire in 2028

- What this means for your retirement income and planning strategy

- How to use these temporary tax advantages to strengthen your long-term financial plan

They also hit on how these deductions affect standard and senior filings, the real impact on your federal taxes (not state or FICA), and why now's the time to talk with a qualified CPA before 2028 hits.

Stay tuned for Part 2, where we break down the "permanent" tax brackets, SALT caps, and more key changes hidden in the bill.

Listen now and get clarity - not noise - on how this legislation actually affects your wallet.

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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.

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 theater far more than economic crisis.

You’ll learn:
– How government shutdowns historically impact the market
– Why emotional investing destroys long-term returns
– Short-term vs. long-term mindsets during financial uncertainty
– Smart portfolio moves (and what NOT to do)
– How disciplined investors use volatility to build wealth
– Why sticking to a plan beats timing the market

We also connect this topic to real financial planning principles—including liquidity strategy, investment discipline, and behavior coaching—so you know exactly what to do next.

If you value clarity over noise and strategy over fear, you’ll get a lot from this conversation.

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Call Us:
To schedule a conversation, visit https://www.keystoneadvisors.com/contact or call 614-300-9501

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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.

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 balances and the long-term impact of only making minimum payments. Ryan brings in historical perspective, comparing the post-Great Depression generation’s savings habits with today’s consumer-driven culture, illustrating how our shift from saving-first to spending-first has created new financial challenges. The hosts unpack critical lessons around budgeting, cash flow tracking, and building disciplined savings habits, and back it up with stats that show how budgeting and early investing can lead to hundreds of thousands more in net worth over time.

The discussion also touches on the difference between “good debt” and “bad debt,” emphasizing that not all leverage is harmful. With examples like mortgage management and opportunity costs, the guys explain why aggressively paying off low-interest debt may not always be the smartest move, especially when liquidity and flexibility matter just as much as being debt-free. They explore how young adults can get on track with Roth IRAs, 401(k)s, and automated savings strategies, and why starting early—even with small amounts—pays huge dividends down the road.

Packed with relatable stories, data-driven insights, and practical strategies, this episode brings financial planning back to the basics: budget wisely, save early, understand debt, and always keep an eye on the bigger picture. Whether you’re navigating your own financial journey or guiding your kids through theirs, you’ll walk away with clear, actionable takeaways to strengthen your financial foundation.

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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.