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 Investment Advisors Act of 1940.
• Common myths, marketing buzzwords, and what you should actually look for in a financial professional.

At the end of the day, it’s about trust, confidence, and knowing the game is being played for your success.

Join the Huddle Nation for a conversation that’s part education, part storytelling, and 100% focused on helping you make smarter financial decisions.

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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.

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 perspective on planning for life’s unexpected transitions.

We’ll cover:

• Why the 4% rule isn’t the full story
• Business owner exit strategies vs. W-2 employee retirement planning
• How Social Security, pensions, and annuities fit into the equation
• The importance of knowing your desired lifestyle number
• Why leaving a legacy takes just as much planning as funding your own retirement

Whether you’re 5 years or 25 years away from retirement, this episode will give you clarity, perspective, and practical steps to start answering the big question: Am I ready to retire?

Send us a text

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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 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.

Whether you're saving for college, running a business, or planning for retirement, this episode has something you need to hear! Listen closely to learn how to have a better game plan.

Send us a text

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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.