Shows
The Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 12: The 12 Days of Financial PlanningThe 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 b...
2025-12-1013 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 11: Financial Planning's Black Friday: Are There Deals?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...
2025-11-2617 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 10: Taxes Just Became Permanent??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 t...
2025-11-1222 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 9: Did The One Big Beautiful Bill ACTUALLY make Overtime, Tips, and Social Security TAX FREE?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...
2025-10-2914 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 8: Government Shutdowns: What does that REALLY mean for YOU and ME?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
2025-10-1413 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 7: Avoiding Rookie Financial Mistakes: Budgeting, Saving Early, and Managing DebtIn 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...
2025-10-0128 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 6: Running on Empty? How to Avoid Outliving Your Money in RetirementThis 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...
2025-09-1722 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 5: Pickleball, Fiduciary Duty, & Why Trust Matters in FinanceWelcome 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 a...
2025-09-0319 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 4: Can I Retire? Breaking Down the #1 Financial QuestionWhen 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 is...
2025-08-2024 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 3: Planning Through Every Phase of LifeIn 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 le...
2025-08-0639 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 2: Trust the ProcessIn 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 emphasizing the why behind the plan. Whether it’s saving for retirement, navigating college costs, or j...
2025-07-2324 minThe Financial Huddle | Real Money Conversations for Financial LiteracyEpisode 1: Welcome to The Financial Huddle – What is our Why?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 starting your financial journey or looking to sharpen your strategy, you're in the righ...
2025-07-0915 min