Unlocking Your Financial Future

Markets can look calm on the surface while powerful forces build underneath. In this episode, Ben and Keith step back from the day-to-day noise and examine the bigger structural trends shaping the investment landscape. They dig into how professional forecasters are positioning for the year ahead, what scenarios could surprise investors, and why disciplined strategy matters more than reacting to he...

The AI boom has driven headlines, soaring valuations, and a lot of excitement in the markets, but what might be getting overlooked along the way? In Part 2 of this conversation, Ben and CIO Keith Lockwood step back to discuss how debt, market structure, and investor behavior can quietly shape risk during fast-moving trends. Want to make more informed decisions in an AI-driven market? Tune in to he...

In this episode, Ben and Chief Investment Officer Keith Lockwood break down the major forces shaping today’s financial markets, from the rise of AI and big tech to the evolving role of the Federal Reserve. They explore how these trends are impacting investors, jobs, and economic outlooks as we approach 2026. Don’t miss this episode if you want to stay ahead of the curve and make smarter financial...

In this episode, we dive back into the world of Ashland University basketball with Coach John Ellenwood and standout forward Maceo Williams. They share how college athletics has evolved and the challenges of recruiting and retaining talent. It’s a candid look at leadership, discipline, and teamwork beyond the scoreboard. Tune in for powerful insights on how coaches and players adapt in an ever-cha...

In the first part of this two-part conversation, we get to know Ashland University Eagles Forward Maceo Williams and Head Men’s Basketball Coach John Ellenwood: their backgrounds, goals for the upcoming season, and what makes the Ashland experience so special. You’ll hear candid reflections on balancing academics and basketball, the impact of strong mentorship, and the determination it takes to th...

Wadsworth, Ohio, is soaring thanks to a unique partnership between aviation enthusiasts and community leaders. In this episode, Ben is joined by Mike Bowser, a retired USAF pilot and President of Inspire Aviation, and Tom Strong, organizer of Balloons Over Wadsworth. Together, they share how two grassroots efforts have evolved into major community events that fuel economic growth, inspire the next...

The “One Big Beautiful Bill” may be a mouthful, but it brings major changes for retirees. In this follow-up episode, Ben and Kaitlin dive deeper into how the new tax law impacts retirement planning strategies. They discuss expanded standard deductions for those over 65, the long-term effects on required minimum distributions (RMDs), and how Roth conversions can help manage future taxes.   Here’s s...

The recently passed One Big Beautiful Bill (OBBB) is already reshaping the retirement planning landscape, and it’s left many pre-retirees and retirees wondering what it truly means for them. In this episode, Ben and Kaitlin break down the most talked-about provisions, like changes to tax brackets, the permanence of the standard deduction, and how “tax-free Social Security” headlines don’t always t...

Retirement isn’t about hitting a magic number- it’s about building a fulfilling next chapter and creating a life you truly enjoy. In this episode, Ben and Kaitlin share the common themes they’ve noticed among people who thrive after leaving the workforce. From disciplined budgeting habits to seeking guidance on taxes and distributions, they unpack what really drives a fulfilling retirement and why...

Starting to save and invest can seem complicated, especially with so many options and opinions out there. In this episode, Ben and Kaitlin cut through the noise and lay out a practical order of steps that will put your money to work right away. They’ll walk you through building an emergency fund that truly fits your lifestyle, explain the pros and cons of IRAs, Roth IRAs, and brokerage accounts, a...

What’s the one mistake that can quietly drain your retirement savings year after year? In this episode, Ben and Kaitlin tackle one of the biggest pitfalls retirees face: mismanaging their spending. Ben reveals the real threats to retirement income, and it’s not just inflation. It’s unrealistic budgets, healthcare curveballs, and those spontaneous purchases. Here’s some of what we discuss in this e...

BA Schrock Financial Group is turning 13 in August, and this episode is all about looking back- and looking ahead. From humble beginnings in a basement to building a firm known for personalized, relationship-driven planning, Ben and Kaitlin reflect on the journey that got them here. They share the lessons learned, the challenges overcome, and what it really takes to grow a successful advisory busi...

In this episode, Kaitlin and Ben talk about an exciting milestone moment for their firm: being named one of AdvisorHub’s 2025 RIAs to Watch! Ranked #231, BA Schrock Financial Group joins a distinguished group of firms recognized not just for growth, but for balancing scalability, service, and professionalism. Tune in as they reflect on what this honor means, look back on the firm’s humble beginnin...

Opening a restaurant is a dream for many, but few realize the relentless risk, sacrifice, and strategy it demands. Chef Anthony Scolaro has done it not once, but twice. In part two, Anthony returns to share the raw truths of restaurant ownership, from managing razor-thin margins to making decisions that impact not only your bottom line but your team’s livelihood. This episode dives into the real m...

From dishwashing at 13 to owning two acclaimed restaurants, Chef Anthony Scolaro has built a culinary career rooted in passion, hustle, and heart. In this episode, Ben sits down with Anthony to explore his journey from the family kitchen to founding 111 Bistro and Vue in Wadsworth. Part one of a two-part discussion is focused more on the man in kitchen. We discuss what it takes to thrive in the re...

Welcome back to Unlocking Your Financial Future! In this episode, Ben is joined by his wife, Kaitlin, who oversees operations at B.A. Schrock Financial Group. They’re excited to share some great new tech updates for 2025 that will make managing your finances with us easier and more intuitive. Tune in to hear all about how you can access your account information through our website, plus the launch...

The recent passage of the Social Security Fairness Act has sparked significant discussions among public employees, especially in states like Ohio. In our latest podcast episode, Ben is joined by Dan Oaklief, ChFC®, RICP®, CFP® and Colleen LeMasters, CFP®, ChFC®, BFA™ to dive into the implications of this new law and what it means for those relying on public pensions. Here’s some of what we discuss...

In today’s digital age, cyber threats are constantly changing. That’s why it’s more important than ever to stay informed and prepared. We’re thrilled to welcome back cybersecurity expert Ben Zelei from SBT and Palitto Consulting Services, Inc to share insights on the latest scam techniques you need to watch out for. Here’s some of what we discuss in this episode: Ben’s background in cybersecurity...

As we approach the end of the year, it’s the perfect time to talk about some year-end planning strategies. In this two-part episode, Ben and Dan will cover what you need to know and think about before we head into the new year. Last episode, we focused on updates regarding Social Security, and today, we’ll shift our focus to year-end planning from a tax perspective. With significant changes in tax...

As we approach the end of the year, it’s the perfect time to talk about some year-end planning strategies. In this two-part episode, Ben and Dan will cover what you need to know and think about before we head into the new year. Listen in as they discuss the new cost of living adjustments, earnings limits, and the Windfall Elimination Provision. Don’t miss part 2 of this conversation and we talk ab...

We’re excited to announce that one of our team members, Dan Oaklief, has recently earned his Certified Financial Planner designation. This is such an awesome achievement and one that he’s worked diligently to accomplish, but what does this actually mean for advisors and clients? Today we’re sitting down with Dan to discuss this milestone, what it means to be a CFP®, and the importance of continuin...

In this episode of Unlocking Your Financial Future, Ben is joined by Chief Investment Officer, Keith Lockwood. He’s here to help dive into some of the market volatility we have seen lately and what it could mean for your investments. Tune in as Ben and Keith look at how geopolitical factors can impact the market, how recent recession talk could be a little overblown, and what investors should expe...

In today’s episode, we’re continuing our conversation on the annual Social Security Trustees Report. In this half of the conversation, we’ll cover some interesting statistics from the report, including the impact of declining birth rates and immigration on Social Security's future. We'll also explore how life expectancy trends and recent events like COVID-19 are influencing projections.   Here’s s...

In today’s episode, we’re going to share some updates from the annual Social Security Trustees Report. With Social Security serving as a cornerstone for countless retirees, understanding its current state and future projections is important. Listen in as Ben highlights the key takeaways from the 277-page report that you need to know about.   Here’s some of what we discuss in this episode: The proj...

We’re back to finish up our conversation with Deborah and Hannah Wasylko, the dynamic duo behind Baskets Galore. This business specializes in customized corporate gift designs, from branded items to gift baskets featuring local and gourmet selections. If you missed part 1, you can check it out here!   Here’s some of what we discuss in this episode: How Deborah and Hannah operate the business side...