July 9, 2025 • 15 mins
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 right place. Huddle up—it’s time to talk money, mindset, and making a difference.
https://www.keystoneadvisors.com/
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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.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Brian Minier (00:00):
All right, everybody, huddle up.
The play calls in.
This is the Financial Huddle.
Ready, Break!
Well, hello, hello, everybody.
Let me be the first to justproudly welcome everybody to our
first ever...
podcast, The Financial Huddle.
About time.
It's about time, brother.
(00:21):
It is about time, isn't it?
My name is Ryan Fleming.
I'm here with my esteemedcolleagues, business partners,
friends, cohorts, Ed Beemillerand Brian M inier.
And fellas, this has been along time coming.
Oh, yeah.
Ed Beemiller (00:34):
Welcome, everyone.
Ryan Fleming (00:35):
Yeah.
We've been thinking about thisfor a long time, brainstorming.
Should we do it?
Shouldn't we do it?
Are we going to sound silly orwhat?
We're definitely going to soundsilly, but that's okay.
But here we
Ed Beemiller (00:47):
are.
That's part of it.
That is part
Ryan Fleming (00:49):
of it.
It's a real thing.
(01:17):
So, you know, maybe you canshare, you know, what's on your
heart and mind, you know, why wedid this.
What are we trying to get outof this?
Ed Beemiller (01:25):
You know, there has to be a why.
You know, if you've been inbusiness or anything else, a big
thing to talk about is what'syour why?
What's your why?
You know, and understanding,you know.
why we got into the business,but then also why are we sitting
here doing this, right?
And one of the points that wecame to is really the term
(01:45):
financial literacy.
And what does that mean?
Well, financial literacy, justlike financial education.
We feel there's a significantneed and a shortcoming in our
society in regards to why you dothings what type of financial
strategies a lot of people haveno comprehension or very little
(02:08):
understanding of why do i need afinancial plan yeah you know
yeah and uh you know from thatstandpoint you know we've talked
our ears off about the lack ofeducation within you know
whether it's elementary schooljunior high high school college
that it really should be part ofthe curriculum when we talk
(02:28):
about this.
When you graduate college, youshould know how to balance a
checkbook.
You should know that you shouldsave and not spend more than
you earn.
Ryan Fleming (02:39):
We're going to get into all of that.
There's millions of people outthere talking about this kind of
stuff, but we're going to tryto put our own spin on it.
What is this podcast going tobe about for our listeners?
What can we get into outside ofsome of the rhetoric about
financial planning andbudgeting, all the stuff that we
hear.
Brian Minier (02:57):
You know how it is.
When you're meeting withsomebody, they just want to have
confidence.
They want to feel they're doingthe right thing.
We've talked to a number ofpeople and there's confusion.
I know, Ed, you've said there'smisinformation out there.
People just want to feelconfident.
They want to understand what itis that they're getting into
and how their retirement outlieis going to impact them.
(03:20):
And there's a lot of things,especially now that are going on
in the news, whether it'stariffs or the big, beautiful
bill.
And what does that mean?
So I think it's important thatwe take those current events.
Ed, you said financialliteracy.
What do those current eventsmean to you?
And what does it mean to yourfinances?
And what other events are outthere?
(03:42):
We all love sports and So howdo we tie that into
Ryan Fleming (03:47):
some of, you know?
And as everyone can see,episode one, we want to hit it
off with a bang, repping the capcity here.
You know, got the blue jackets,Buckeyes, Buckeyes.
You know, we want to get youguys educated, not on financial
literacy, but we also want tomake this personal.
We want you guys to understanda little bit more about our
heart, our mind, our upbringing,our background, and just really
(04:07):
kind of connect the dots to whywe get out of bed every single
day and serve people, right?
My dad told me when I wasyoung, is that, you know,
opportunities in life look likehard work, right?
Anything worth doing in life isnot going to be easy.
And this job's not easy.
Doing this podcast is not easy.
But let me tell you, I mean, inthis arena that we get up and
go to work every single day toserve people and help them with
(04:29):
their finances and their life,it's pretty rewarding.
So, you know, who is this for?
It's for everybody, right?
Yeah, that's right.
But it's not just for ourlisteners.
It's for everybody.
Ed Beemiller (04:40):
Yeah, I mean, you know, obviously we've
established a client base ofpeople that we hope we'll listen
in and maybe get a little bit.
It's just that one littlething.
All you got to get is onelittle thing out of each one of
these, hopefully.
But the financial education andliteracy is really society in
general.
And I've talked to a lot ofclients and their children that
(05:04):
just don't understand.
Don't understand that, hey, youshould, if you start saving at
16, 17, 18, you got to put a lotless money to have what you
want when you retire, as opposedto all of a sudden life
happens, you're 50 years old,your kids are off to college,
you're figuring out, trying tofigure out, and you know this,
Ryan, how do I pay for thecollege?
(05:25):
And then, oh my God, I'm goingto retire in 10, 15 years.
I don't have any money savedup.
How do I catch up?
And, you know, what I alwayssay is, you know, you need to
have a plan.
Everyone's plan's different.
Right.
I mean, everyone, you know,earnings, income, assets,
they're all different.
But we need to understand.
And one of the biggest thingsthat we do within our practice
(05:47):
and that we hope you're doing islistening.
And you got to listen tounderstand what are the goals
and objectives and then go fromthere.
And I think
Brian Minier (05:55):
that's a really important thing you said.
Everybody's got to have a planthat's going to be different.
There's a lot of talking headsout there that will say this is
the plan for everybody.
And everybody's got to have acustomized plan.
And I feel that's what we'reall pretty good at within our
practice.
And so that's what we want tohelp with.
We want to help encouragepeople to do that and help just
provide information that can
Ryan Fleming (06:15):
help them with that plan.
And inside of that, you know,not only is everybody's plan
different, but We're alldifferent in how we got into
this business, how we actuallyended up working together.
We all came from differentbackgrounds.
So I just want to take a minutehere, episode one, just to
share a little bit about how wegot to where we're at and just
to get you connected a littlebit more.
I came from an industry thathad nothing to do with the
(06:36):
financial services.
And I got into this by somebodythat really educated me.
And I became pretty interestedin financial concepts.
I read this one particular bookthat we'll talk about about on
other episodes, like four orfive times and started telling
my friends about it.
And, you know, next thing youknow, I switched careers and,
(06:57):
you know, I got an opportunityto hop into this industry.
Whereas a lot of people come init from a different way.
At
Ed Beemiller (07:03):
the point you came in, what level was your
financial
Ryan Fleming (07:06):
literacy?
I mean, I literally knewnothing.
I always make a joke.
This is no lie.
I remember one of my first everfact finder meetings.
This guy was doing a factfinder and I was like, how much
money do you have in checkingsavings, blah, blah, blah.
And he said, Oh, and I alsohave about $600,000 in
munibonds.
I had no idea what a munibondwas.
So as I was doing the notes, Iwrote down the word M-U-N-Y,
(07:31):
munibond.
And I took it to the guy I wasworking with and he started
laughing.
He goes, first of all, that'snot how you spell munibonds.
Second of all, you need to takea couple of deep breaths
because you...
they can tell that you've neverseen that much money on a piece
of paper before.
Like just, it's okay.
It's just a couple extra zeros.
So I knew nothing.
And, um, you know, maybe that'sencouraging for people out
(07:52):
there to know that, you know, ifyou have the right temperament
and you have the willing tolearn and to serve people, um,
you know, that's how I got intoit.
I'll tell you guys more aboutmy personal story as future
episodes come down, but I knowyou have a different, how'd you
get into this?
Brian Minier (08:06):
I know your story, you know, but you were a big
part of my story.
So, uh, like a lot of people, Iwas in corporate America for a
number of years.
And you start to, and I know,Ed, you probably face this too.
You get to a certain age,you're like, This is not fun.
I don't like doing thisanymore.
And with the way that ourfamily's finances was set up, I
had the luxury of doing a reset.
(08:28):
I could start over.
And Ryan, you were already inthe business at that point.
I was.
We had become friends.
Yeah.
And we had talked a lot aboutit.
And you basically stole me fromcorporate America and said,
hey, get into this business, thefinancial planning business.
And I mean, it was scary.
You're going from salary andbenefits to You eat what you
(08:50):
kill.
Ryan Fleming (08:51):
Yeah.
And I didn't share thisearlier, but as far as scary, I
mean, it just...
what I came from was the sportsworld, right?
I mean, I came from aprofessional baseball
background, played in the minorleagues for a long time.
And so I went from kind of likethe top of that industry to
literally like the bottomsucker, like nothing, no
(09:11):
guaranteed income.
Like, oh my gosh.
Where's my
Ed Beemiller (09:13):
next paycheck?
Ryan Fleming (09:14):
That's right.
I'm the type of person thatcaused the 2008 crisis.
I got a loan on an incomestated loan for a mortgage.
You had nothing and they gaveyou a loan.
Brian Minier (09:22):
Yeah.
So yeah, I got into thebusiness and obviously We'll get
into a little bit more abouthow we were working together and
then eventually creating ourown firm.
But for me, it was just one ofthose where I didn't want to do
what I was doing for the rest ofmy life.
And I wanted to start somethingwhere I could help people and
(09:45):
make a living
Ryan Fleming (09:46):
doing it.
And so that's how I got intoit.
Yeah, and both of you guysaren't from Columbus.
I was born and raised inColumbus, Akron area.
And then there's a Clevelandboy up here.
So what was your journey?
Eastside.
Eastside.
on the side of Cleveland.
Ed Beemiller (09:57):
Now, we're all Ohio boys, so I like to say
we're reflective of the Midwest.
O-H.
Brian Minier (10:02):
That's right, I-O.
Ed Beemiller (10:03):
And, you know, I was a little different, you
know, where Ryan was talkingabout, you know, he came from a
professional baseball career.
His financial literacy when hestarted was near zero, right?
Okay.
I got a paycheck every week.
I deposited it.
Then my wife paid some billsand hope I had some
Ryan Fleming (10:20):
money.
I could hit some line drives.
I was pretty good at that.
Ed Beemiller (10:23):
Hope I had some money left.
Ryan Fleming (10:24):
Now,
Ed Beemiller (10:24):
I started my career a little different.
I've spent all of my career inthe financial services industry,
you know, and so right out ofschool, jumped right into a
management training program, 17years in banking, and I was a
CFO for one of my companies, andthen basically kind of had a
more of a small businessconsulting, because similar to,
(10:47):
you know, Brian, what you said,you know, I was getting up, you
know, the corporate culture andthe larger the companies, had to
be at my desk at 7.30 in theExpected to be there at 6
o'clock at night.
Wore a suit and tie everysingle day.
And it was, you know, I lookedat that.
I've always been a little bitof an outside-of-the-box
thinker.
And I would like to say ineverything I did, you know, when
(11:11):
I was in banking as a lender, Iconsidered myself definitely
much more of a customeradvocate.
Well, banking in the financialindustry is highly regulated.
So you got to play within thatsandbox.
But you need to do what's inthe best interest of your
client.
So I was always kind of pushingfor that, and that kind of
rubbed some people the wrongway.
But coming through that, after20 years in that corporate
(11:37):
culture, kind of seeing allthese different sides, it was
just timing.
It was a point in my life whereI was kind of doing that
individual consulting, businessconsulting, and then really kind
of decided, hey, We're socialpeople, right?
We're social beings.
I like being part of a group.
I like to, A, I like to helppeople.
(11:59):
A position, you know, someonecame to me that we all know.
Oh, yeah.
And provided an opportunity.
That was back in 2011.
And Brian, you remember justseveral months, maybe six months
later, you joined.
Brian Minier (12:16):
Yeah.
Ed Beemiller (12:17):
And the story has grown from there.
And it's gotten us to, youknow, we're all sitting here.
And at the end of the day, kindof, you know, you look at
what's the American dream,right?
American dream is to own yourown business.
And, you know, everyone cancomplain about their job and,
you know, moan about it.
Oh, this is horrible.
(12:37):
Well, then, you know, life'stoo short.
Go do something else.
I mean, there's a lot ofopportunities out there.
You just, you know, sitting onyour couch, you're not going to.
You're not going to accomplishanything by that or change
anything.
Doing the same thing over andover and over and expecting a
different result.
That's kind of how we got towhere we are here today.
Ryan Fleming (12:57):
Absolutely.
And everybody, as we know, hasa background, has a story, has a
person in their life that'smade a comment or offered an
opportunity that's changed thedirection of our life.
And I think that we would allagree here together that however
we got here, we are heretogether.
And we're unified in ourmission.
I don't know the statistics onthis.
(13:18):
Maybe we can look it up.
But I think the reality is, isthat most people, they do not
get their health right and theydon't get their finances right.
And again, that is our goal forthis, is that we want to unite
our energies, our efforts, ourexpertise, our drive to serve
humanity and help people withtheir financial literacy and,
you know, get rid of themisnomers and the
(13:39):
misinformation, dispel gurumyths, whatever it is that's out
there.
And as long as we have ourhealth and as long as we're
together, that's what we'regoing to do.
And for episode one, I thinkthis is a great kickoff to what
we want to try to accomplish.
We've got a lot of goodinformation that's going to come
up.
We will love to hear from you.
(14:00):
We would love to hear what yourfeedback is, things, topics
that are important to you thatyou'd like for us to speak on.
We definitely definitelyencourage you that if you find
this information valuable, thatyou share it, you know, pass it
along to a loved one, acoworker, um, and spread the
word out there, you know, first
Ed Beemiller (14:17):
and foremost, you know, as you said, this needs to
be educational.
You know, we're going to try tocreate and talk about facts
instead of opinions.
Opinions are opinions are fine.
Everyone has them, but as muchas you can, you know, to, to
offset, a lot of those financialmyths and things that people
talk about.
(14:37):
And there's a lot of thatinformation out there is, let's
just present it.
And then the second part ofthis is, have fun and we want to
have fun doing this and we hopeyou know the people listening
to this yeah enjoy it and thecontent's going to vary but it's
going to kind of tie in howthat the financial yeah side of
things obviously but it's alsogoing to tie in kind of our
(15:00):
backgrounds you know playingsports in school and college
professional this type of thingso we're going to have a good
time
Ryan Fleming (15:06):
yep absolutely so whether you're watching us on
Youtube you're driving down thehighway listening to us on on
the car we just want toencourage everybody every single
time that you a chance tohuddle up with us, you know,
gather near and let's have somefun.
Let's learn some stuff.
Well said.
All right.
Well said.
All right, everybody, huddle up.
The play calls in.
This is the Financial Huddle.
Ready, Break!
Well, hello, hello, everybody.
Let me be the first to justproudly welcome everybody to our
first ever...
podcast, The Financial Huddle.
About time.
It's about time, brother.
(00:21):
It is about time, isn't it?
My name is Ryan Fleming.
I'm here with my esteemedcolleagues, business partners,
friends, cohorts, Ed Beemillerand Brian M inier.
And fellas, this has been along time coming.
Oh, yeah.
Ed Beemiller (00:34):
Welcome, everyone.
Ryan Fleming (00:35):
Yeah.
We've been thinking about thisfor a long time, brainstorming.
Should we do it?
Shouldn't we do it?
Are we going to sound silly orwhat?
We're definitely going to soundsilly, but that's okay.
But here we
Ed Beemiller (00:47):
are.
That's part of it.
That is part
Ryan Fleming (00:49):
of it.
It's a real thing.
(01:17):
So, you know, maybe you canshare, you know, what's on your
heart and mind, you know, why wedid this.
What are we trying to get outof this?
Ed Beemiller (01:25):
You know, there has to be a why.
You know, if you've been inbusiness or anything else, a big
thing to talk about is what'syour why?
What's your why?
You know, and understanding,you know.
why we got into the business,but then also why are we sitting
here doing this, right?
And one of the points that wecame to is really the term
(01:45):
financial literacy.
And what does that mean?
Well, financial literacy, justlike financial education.
We feel there's a significantneed and a shortcoming in our
society in regards to why you dothings what type of financial
strategies a lot of people haveno comprehension or very little
(02:08):
understanding of why do i need afinancial plan yeah you know
yeah and uh you know from thatstandpoint you know we've talked
our ears off about the lack ofeducation within you know
whether it's elementary schooljunior high high school college
that it really should be part ofthe curriculum when we talk
(02:28):
about this.
When you graduate college, youshould know how to balance a
checkbook.
You should know that you shouldsave and not spend more than
you earn.
Ryan Fleming (02:39):
We're going to get into all of that.
There's millions of people outthere talking about this kind of
stuff, but we're going to tryto put our own spin on it.
What is this podcast going tobe about for our listeners?
What can we get into outside ofsome of the rhetoric about
financial planning andbudgeting, all the stuff that we
hear.
Brian Minier (02:57):
You know how it is.
When you're meeting withsomebody, they just want to have
confidence.
They want to feel they're doingthe right thing.
We've talked to a number ofpeople and there's confusion.
I know, Ed, you've said there'smisinformation out there.
People just want to feelconfident.
They want to understand what itis that they're getting into
and how their retirement outlieis going to impact them.
(03:20):
And there's a lot of things,especially now that are going on
in the news, whether it'stariffs or the big, beautiful
bill.
And what does that mean?
So I think it's important thatwe take those current events.
Ed, you said financialliteracy.
What do those current eventsmean to you?
And what does it mean to yourfinances?
And what other events are outthere?
(03:42):
We all love sports and So howdo we tie that into
Ryan Fleming (03:47):
some of, you know?
And as everyone can see,episode one, we want to hit it
off with a bang, repping the capcity here.
You know, got the blue jackets,Buckeyes, Buckeyes.
You know, we want to get youguys educated, not on financial
literacy, but we also want tomake this personal.
We want you guys to understanda little bit more about our
heart, our mind, our upbringing,our background, and just really
(04:07):
kind of connect the dots to whywe get out of bed every single
day and serve people, right?
My dad told me when I wasyoung, is that, you know,
opportunities in life look likehard work, right?
Anything worth doing in life isnot going to be easy.
And this job's not easy.
Doing this podcast is not easy.
But let me tell you, I mean, inthis arena that we get up and
go to work every single day toserve people and help them with
(04:29):
their finances and their life,it's pretty rewarding.
So, you know, who is this for?
It's for everybody, right?
Yeah, that's right.
But it's not just for ourlisteners.
It's for everybody.
Ed Beemiller (04:40):
Yeah, I mean, you know, obviously we've
established a client base ofpeople that we hope we'll listen
in and maybe get a little bit.
It's just that one littlething.
All you got to get is onelittle thing out of each one of
these, hopefully.
But the financial education andliteracy is really society in
general.
And I've talked to a lot ofclients and their children that
(05:04):
just don't understand.
Don't understand that, hey, youshould, if you start saving at
16, 17, 18, you got to put a lotless money to have what you
want when you retire, as opposedto all of a sudden life
happens, you're 50 years old,your kids are off to college,
you're figuring out, trying tofigure out, and you know this,
Ryan, how do I pay for thecollege?
(05:25):
And then, oh my God, I'm goingto retire in 10, 15 years.
I don't have any money savedup.
How do I catch up?
And, you know, what I alwayssay is, you know, you need to
have a plan.
Everyone's plan's different.
Right.
I mean, everyone, you know,earnings, income, assets,
they're all different.
But we need to understand.
And one of the biggest thingsthat we do within our practice
(05:47):
and that we hope you're doing islistening.
And you got to listen tounderstand what are the goals
and objectives and then go fromthere.
And I think
Brian Minier (05:55):
that's a really important thing you said.
Everybody's got to have a planthat's going to be different.
There's a lot of talking headsout there that will say this is
the plan for everybody.
And everybody's got to have acustomized plan.
And I feel that's what we'reall pretty good at within our
practice.
And so that's what we want tohelp with.
We want to help encouragepeople to do that and help just
provide information that can
Ryan Fleming (06:15):
help them with that plan.
And inside of that, you know,not only is everybody's plan
different, but We're alldifferent in how we got into
this business, how we actuallyended up working together.
We all came from differentbackgrounds.
So I just want to take a minutehere, episode one, just to
share a little bit about how wegot to where we're at and just
to get you connected a littlebit more.
I came from an industry thathad nothing to do with the
(06:36):
financial services.
And I got into this by somebodythat really educated me.
And I became pretty interestedin financial concepts.
I read this one particular bookthat we'll talk about about on
other episodes, like four orfive times and started telling
my friends about it.
And, you know, next thing youknow, I switched careers and,
(06:57):
you know, I got an opportunityto hop into this industry.
Whereas a lot of people come init from a different way.
At
Ed Beemiller (07:03):
the point you came in, what level was your
financial
Ryan Fleming (07:06):
literacy?
I mean, I literally knewnothing.
I always make a joke.
This is no lie.
I remember one of my first everfact finder meetings.
This guy was doing a factfinder and I was like, how much
money do you have in checkingsavings, blah, blah, blah.
And he said, Oh, and I alsohave about $600,000 in
munibonds.
I had no idea what a munibondwas.
So as I was doing the notes, Iwrote down the word M-U-N-Y,
(07:31):
munibond.
And I took it to the guy I wasworking with and he started
laughing.
He goes, first of all, that'snot how you spell munibonds.
Second of all, you need to takea couple of deep breaths
because you...
they can tell that you've neverseen that much money on a piece
of paper before.
Like just, it's okay.
It's just a couple extra zeros.
So I knew nothing.
And, um, you know, maybe that'sencouraging for people out
(07:52):
there to know that, you know, ifyou have the right temperament
and you have the willing tolearn and to serve people, um,
you know, that's how I got intoit.
I'll tell you guys more aboutmy personal story as future
episodes come down, but I knowyou have a different, how'd you
get into this?
Brian Minier (08:06):
I know your story, you know, but you were a big
part of my story.
So, uh, like a lot of people, Iwas in corporate America for a
number of years.
And you start to, and I know,Ed, you probably face this too.
You get to a certain age,you're like, This is not fun.
I don't like doing thisanymore.
And with the way that ourfamily's finances was set up, I
had the luxury of doing a reset.
(08:28):
I could start over.
And Ryan, you were already inthe business at that point.
I was.
We had become friends.
Yeah.
And we had talked a lot aboutit.
And you basically stole me fromcorporate America and said,
hey, get into this business, thefinancial planning business.
And I mean, it was scary.
You're going from salary andbenefits to You eat what you
(08:50):
kill.
Ryan Fleming (08:51):
Yeah.
And I didn't share thisearlier, but as far as scary, I
mean, it just...
what I came from was the sportsworld, right?
I mean, I came from aprofessional baseball
background, played in the minorleagues for a long time.
And so I went from kind of likethe top of that industry to
literally like the bottomsucker, like nothing, no
(09:11):
guaranteed income.
Like, oh my gosh.
Where's my
Ed Beemiller (09:13):
next paycheck?
Ryan Fleming (09:14):
That's right.
I'm the type of person thatcaused the 2008 crisis.
I got a loan on an incomestated loan for a mortgage.
You had nothing and they gaveyou a loan.
Brian Minier (09:22):
Yeah.
So yeah, I got into thebusiness and obviously We'll get
into a little bit more abouthow we were working together and
then eventually creating ourown firm.
But for me, it was just one ofthose where I didn't want to do
what I was doing for the rest ofmy life.
And I wanted to start somethingwhere I could help people and
(09:45):
make a living
Ryan Fleming (09:46):
doing it.
And so that's how I got intoit.
Yeah, and both of you guysaren't from Columbus.
I was born and raised inColumbus, Akron area.
And then there's a Clevelandboy up here.
So what was your journey?
Eastside.
Eastside.
on the side of Cleveland.
Ed Beemiller (09:57):
Now, we're all Ohio boys, so I like to say
we're reflective of the Midwest.
O-H.
Brian Minier (10:02):
That's right, I-O.
Ed Beemiller (10:03):
And, you know, I was a little different, you
know, where Ryan was talkingabout, you know, he came from a
professional baseball career.
His financial literacy when hestarted was near zero, right?
Okay.
I got a paycheck every week.
I deposited it.
Then my wife paid some billsand hope I had some
Ryan Fleming (10:20):
money.
I could hit some line drives.
I was pretty good at that.
Ed Beemiller (10:23):
Hope I had some money left.
Ryan Fleming (10:24):
Now,
Ed Beemiller (10:24):
I started my career a little different.
I've spent all of my career inthe financial services industry,
you know, and so right out ofschool, jumped right into a
management training program, 17years in banking, and I was a
CFO for one of my companies, andthen basically kind of had a
more of a small businessconsulting, because similar to,
(10:47):
you know, Brian, what you said,you know, I was getting up, you
know, the corporate culture andthe larger the companies, had to
be at my desk at 7.30 in theExpected to be there at 6
o'clock at night.
Wore a suit and tie everysingle day.
And it was, you know, I lookedat that.
I've always been a little bitof an outside-of-the-box
thinker.
And I would like to say ineverything I did, you know, when
(11:11):
I was in banking as a lender, Iconsidered myself definitely
much more of a customeradvocate.
Well, banking in the financialindustry is highly regulated.
So you got to play within thatsandbox.
But you need to do what's inthe best interest of your
client.
So I was always kind of pushingfor that, and that kind of
rubbed some people the wrongway.
But coming through that, after20 years in that corporate
(11:37):
culture, kind of seeing allthese different sides, it was
just timing.
It was a point in my life whereI was kind of doing that
individual consulting, businessconsulting, and then really kind
of decided, hey, We're socialpeople, right?
We're social beings.
I like being part of a group.
I like to, A, I like to helppeople.
(11:59):
A position, you know, someonecame to me that we all know.
Oh, yeah.
And provided an opportunity.
That was back in 2011.
And Brian, you remember justseveral months, maybe six months
later, you joined.
Brian Minier (12:16):
Yeah.
Ed Beemiller (12:17):
And the story has grown from there.
And it's gotten us to, youknow, we're all sitting here.
And at the end of the day, kindof, you know, you look at
what's the American dream,right?
American dream is to own yourown business.
And, you know, everyone cancomplain about their job and,
you know, moan about it.
Oh, this is horrible.
(12:37):
Well, then, you know, life'stoo short.
Go do something else.
I mean, there's a lot ofopportunities out there.
You just, you know, sitting onyour couch, you're not going to.
You're not going to accomplishanything by that or change
anything.
Doing the same thing over andover and over and expecting a
different result.
That's kind of how we got towhere we are here today.
Ryan Fleming (12:57):
Absolutely.
And everybody, as we know, hasa background, has a story, has a
person in their life that'smade a comment or offered an
opportunity that's changed thedirection of our life.
And I think that we would allagree here together that however
we got here, we are heretogether.
And we're unified in ourmission.
I don't know the statistics onthis.
(13:18):
Maybe we can look it up.
But I think the reality is, isthat most people, they do not
get their health right and theydon't get their finances right.
And again, that is our goal forthis, is that we want to unite
our energies, our efforts, ourexpertise, our drive to serve
humanity and help people withtheir financial literacy and,
you know, get rid of themisnomers and the
(13:39):
misinformation, dispel gurumyths, whatever it is that's out
there.
And as long as we have ourhealth and as long as we're
together, that's what we'regoing to do.
And for episode one, I thinkthis is a great kickoff to what
we want to try to accomplish.
We've got a lot of goodinformation that's going to come
up.
We will love to hear from you.
(14:00):
We would love to hear what yourfeedback is, things, topics
that are important to you thatyou'd like for us to speak on.
We definitely definitelyencourage you that if you find
this information valuable, thatyou share it, you know, pass it
along to a loved one, acoworker, um, and spread the
word out there, you know, first
Ed Beemiller (14:17):
and foremost, you know, as you said, this needs to
be educational.
You know, we're going to try tocreate and talk about facts
instead of opinions.
Opinions are opinions are fine.
Everyone has them, but as muchas you can, you know, to, to
offset, a lot of those financialmyths and things that people
talk about.
(14:37):
And there's a lot of thatinformation out there is, let's
just present it.
And then the second part ofthis is, have fun and we want to
have fun doing this and we hopeyou know the people listening
to this yeah enjoy it and thecontent's going to vary but it's
going to kind of tie in howthat the financial yeah side of
things obviously but it's alsogoing to tie in kind of our
(15:00):
backgrounds you know playingsports in school and college
professional this type of thingso we're going to have a good
time
Ryan Fleming (15:06):
yep absolutely so whether you're watching us on
Youtube you're driving down thehighway listening to us on on
the car we just want toencourage everybody every single
time that you a chance tohuddle up with us, you know,
gather near and let's have somefun.
Let's learn some stuff.
Well said.
All right.
Well said.
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