Unlocking Your Financial Future

A housing change in retirement can affect far more than where you live. In this episode, the team looks at why major home decisions need to be coordinated with the rest of your financial plan before emotions or deadlines take over. The right move is often the one that gives you the lifestyle you want without creating unnecessary pressure elsewhere in retirement.

Here’s some of what we discuss in this episode:

🏠 Housing Costs...

Dividends can be an important part of an investor’s total return, but there’s often confusion about how they actually work. Ben and Keith break down the basics of dividend investing and explain why changes in a stock’s price do not necessarily mean changes in the income it produces. Understanding the numbers can help investors look beyond daily price movements and see the bigger picture.

Here’s some of what ...

Market declines can feel risky, but short-term volatility and long-term investment risk are not necessarily the same thing. In Part 1 of this two-part market discussion, Ben and Keith examine some key elements that often influence investment decisions. They also explain how a disciplined strategy can help investors respond to changing markets without trying to predict every high and low.

Here’s some of what we discuss in thi...

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 headlines.

Here’s some of what ...

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 hear what others may be missing.

Here...

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 decisions in a rapidly ...

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-changing college sports landscap...

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 thrive both on and off 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 generation of aviators, and bring ...

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 some of what we dis...

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 tell the who...

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 it looks differe...

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, and show how each choice can s...

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 episode:

💸 ...

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 business in a competitive and ever-chan...

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 beginnings, and, most important...

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 math behind running a successf...

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 restaurant business, how leadership a...

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 of the new B.A. Schrock Fina...