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.

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 high net worth, this question keeps people up at night. And the truth is, it’s not a simple yes or no.

In this episode, we break down:

• Why running out of money is the #1 retirement fear – and why it matters even for wealthy families.
• The stats you need to know from national retirement studies and surveys.
• Key drivers of the fear: longer life expectancies, rising healthcare costs, long-term care risks, and uncertainty around Social Security.
• Why college planning is a retirement issue—and how wealth transfers during your life can sabotage your retirement.
• The importance of planning your lifestyle—knowing not just what you’ve saved, but what you want your retirement to look like.
• Distribution planning essentials: how to draw income without draining accounts too quickly.
• Social Security timing decisions—when to take it, what it means for your income gap, and how taxes impact everything.
• Sequence of returns risk—why pulling money out during a market downturn can derail decades of work.
• The Bucket Plan strategy—segmenting your money into “now, soon, and later” to build confidence and avoid panic withdrawals.
• Why a one-size-fits-all plan doesn’t work—and how nuanced, personalized planning creates real peace of mind.

At the end of the day, it’s about more than numbers—it’s about confidence, security, and clarity. The best time to start planning was yesterday. The second-best time is today. Whether you’re 25 or 65, what you do now determines whether your retirement years are defined by stress and scarcity—or freedom and opportunity.

So grab your playbook, huddle up, and join us as we tackle the question on everyone’s mind: Will I run out of money? Spoiler—if you’ve got a smart plan, the answer doesn’t have to be yes.

Go Bucks, go Browns, and go into retirement with confidence.

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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.

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.