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 a month and a modest 6% return, and you could cross seven figures by your mid-sixties. Wait ten years and the result is roughly half. That’s the quiet math of compounding and the real cost of delay. We also map out the pillars of a resilient plan—an opportunity fund with three to six months of expenses, a growth-focused portfolio that matches your long time horizon, and a cap on speculative bets like crypto and private equity so they add spice without burning the foundation.

You’ll hear why boring often beats viral, how to avoid common traps new earners face, and where a seasoned coach can help turn scattered advice into a simple, durable strategy. Whether you’re 22 with your first offer letter or a parent guiding a new grad, this conversation translates financial literacy into practical steps you can take this week: secure the match, automate contributions, favor Roth when it fits, and invest for growth with patience.

If this helped you see money differently, follow the show, share it with a friend who just got paid, and leave a quick review so more young listeners can find smart, no-fluff guidance. Got a topic you want us to tackle next? Send it our way and subscribe for more actionable episodes.

Send us a text

----------------------------------------------------------------------

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.

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 better choices come easier, from skipping impulse buys to sticking with workouts. From there, we walk through a 30-day expense tracking sprint to reveal the truth about where your money goes, then turn that insight into a budget that actually matches your life. No shaming. No gimmicks. Just clear feedback loops and small, repeatable actions.

Then we shift to “financial fitness” thinking. Define your reps—monthly savings, a 401(k) bump, an extra debt payment—and automate them so progress happens on autopilot. Break the year into phases: eliminate high-interest debt in the first half, redirect those dollars into a Roth IRA or emergency fund in the second. Add an annual financial wellness review, the money version of a physical, and elevate accountability by writing a one-page mission you can revisit with an advisor or partner. Along the way, we challenge the comparison game and refocus on a personal plan that reduces stress and improves everyday wellbeing.

If you’re ready to replace fragile resolutions with a plan that works on your worst days, this conversation will give you the steps: sleep well, track honestly, automate relentlessly, review regularly, and ignore the noise.

Subscribe, share with a friend who needs a reset, and leave a quick review to tell us your first “rep” for the year!

Send us a text

----------------------------------------------------------------------

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 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, practical takeaways: fully funded emergency accounts, retirement account diversification, core estate documents, budgeting essentials, investing principles, milestone tracking, income streams, smart-purchase questions, automation benefits, retirement savings targets, year-end tax moves, and the importance of tracking your net worth. It’s lighthearted, it’s energetic, and it still gives listeners real, applicable financial structure heading into a new year.

This episode blends holiday spirit with a grounded planning framework—twelve gifts that actually matter. No gimmicks. Just a Christmas special that’s fun to listen to and worth revisiting every December.

Send us a text

----------------------------------------------------------------------

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.

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 growth of the Cyber Five, and how Americans now average roughly $650 in Black Friday spending. From chaotic door busters to mobile-driven purchases, the trio explores the behavioral trends that drive this annual frenzy.

Instead of chasing retail “deals,” the hosts highlight the actual financial bargains most people overlook:

• Taxes at historic lows and why after-tax contributions to Roth IRAs, Roth 401(k)s, and Roth 403(b)s may be one of the best long-term opportunities available today.

• Roth conversions as a strategic move to eliminate future tax risk and avoid painful RMDs.

• Triple-benefit strategies including HSAs and properly structured cash-value life insurance.

• The overlooked “BOGO” of finance: employer 401(k)/403(b) matches—free money most workers never fully capture.

• The real Black Friday of investing: buying during market downturns, staying invested, and avoiding the catastrophic mistake of missing the market’s biggest recovery days.

• Dollar-cost averaging as the long-term antidote to emotional decision-making.

The episode closes by reframing the season: instead of focusing solely on spending, this is the moment to reassess savings habits, tax planning, employer benefits, and investment opportunities. The message is simple: don’t leave money—or long-term upside—on the table.

Clear, grounded, and packed with straightforward strategies, this episode helps listeners translate Black Friday psychology into smarter financial decisions all year long.

Send us a text

----------------------------------------------------------------------

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.

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. Comptroller General David Walker warned about when he said taxes may need to double to cover government spending. They connect the dots between record deficits, entitlement costs, and the real risk of a future tax spike — all while explaining how smart planning today can protect you tomorrow.

If taxes are truly “on sale,” this episode might just be your wake-up call before the sale ends.

Send us a text

----------------------------------------------------------------------

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, 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.

Send us a text

----------------------------------------------------------------------

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.

⸻

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

Send us a text

----------------------------------------------------------------------

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.

Send us a text

----------------------------------------------------------------------

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.