Check the background of Ameritas Investment Company, LLC or this investment professional on FINRA’s BrokerCheck

Expert Commentary
Request Meeting

Check the background of Ameritas Investment Company, LLC or this investment professional on FINRA’s BrokerCheck

Seth Edgil

Facebook Twitter Linkedin

Behavioral Economics and Personal Finance

Seth Edgil November 20, 2024

Understanding Behavioral Economics and Personal Finance
Behavioral economics plays a significant role in how people manage their personal finances. It combines elements of psychology and economics to explain why individuals make decisions that are not always rational, particularly when it comes to spending, saving, and investing.
The Influence of Emotions on Financial Decisions
One of the core concepts in behavioral economics is that emotions often drive financial decisions. People aren’t always logical when it comes to money. According to Psychology Today, fear can lead us to avoid risk while greed can cause us to overlook risk.

Read More »

Investing on a Budget: Small Steps Today, Big Impact Tomorrow

Seth Edgil November 5, 2024

Investing on a tight budget can feel challenging, but even modest contributions can build wealth over time. With realistic goals, tax-advantaged accounts, and an early start, anyone can make the most of their money, regardless of the initial amount. Here’s a look at how small steps today can lead to lasting financial health.
The Most Effective Strategies in Investing
One of the most effective strategies in investing is to start early. Investing even modest amounts regularly, especially with the compounding effect, can lead to substantial returns.

Read More »

Mastering Budgeting and Saving: Essential Tips for Financial Management

Seth Edgil May 29, 2024

/*! elementor – v3.21.0 – 30-04-2024 */
.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=”.svg”]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}
Budgeting and saving are fundamental aspects of financial management that can significantly impact an individual’s financial stability and future prosperity. In today’s fast-paced world, managing finances effectively is more crucial than ever.

Read More »

Disability Income Insurance: A Key Part Of Financial Stability

Seth Edgil April 3, 2024

/*! elementor – v3.20.0 – 26-03-2024 */.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=”.svg”]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}

In the realm of financial planning, one critical yet often overlooked facet is the protection of one’s largest asset. While many typically associate this asset with tangible possessions like homes or retirement savings, experts emphasize a different perspective: the most substantial asset for most individuals is their ability to earn an income. Income serves as the bedrock of financial stability, facilitating mortgage payments, meeting daily obligations, and fueling future savings endeavors.

Read More »

Planning for Long-Term Care

Seth Edgil February 7, 2024

/*! elementor – v3.19.0 – 07-02-2024 */
.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=”.svg”]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}

In the realm of financial planning, where wealth management often takes center stage, one often overlooked yet crucial aspect is planning for unforeseen challenges, particularly the complexities of long-term care.

Read More »

Recessionary Fears and the Magnificent Seven

Seth Edgil August 9, 2023

Navigating the Economic Landscape

As a financial firm dedicated to guiding our clients through the ever-changing economic landscape, we have been closely monitoring recent market trends and the performance of the S&P 500 index, including the “magnificent seven”. While the overall growth of 18.91% in the index this year is promising, it is vital to recognize that economic challenges still loom large, and the threat of a recession persists.

S&P 500’s Performance Analysis

The S&P 500, an index comprising 500 major companies listed on various stock exchanges, has undoubtedly seen positive growth in 2023.

Read More »

Video Content

Recent Posts

The Magnificent Ten Stocks – Boom or Bursting Bubble?

Post-Election Tax Changes and Economic Impact

Understanding Market Volatility in 2024 – “Things Aren’t Always What They Seem”

Behavioral Economics and Personal Finance

Investing on a Budget: Small Steps Today, Big Impact Tomorrow

Market Behavior Over the Last Few Trading Days

Archives

January

February

March

April

May

June

Categories

Articles

Economic Update

Newsletters

The Keystone

Exceeding expectations

Our purpose

Keystone Financial Group’s ultimate goal is to help exceed your expectations in the area of financial planning and investing. Working within the parameters that you provide, we seek to eliminate financial inefficiencies, and plot the most suitable route for moving from point “A” to point “B”. 

More about how we help

Service disclaimer

Objective-driven strategies are about the achievement of goals, and not only about making money. This implies a balance of risk with other factors such as tax-advantaged thought, time, and the characteristics of products that may be most suitable for you and the application at hand.

About

David is a Registered Financial Consultant, Registered Financial Specialist, and Chartered Asset Manager, and is a member of the American Academy of Financial Management. He graduated from The University of Alabama in 1991 with a BS degree in Finance, and began his career with Nowlin and Associates. In July of 2006, David formed The Keystone Financial Group, and relocated his practice to Trussville, Alabama. The focal point of David’s practice is the design of both qualified and non-qualified retirement strategies for small and medium sized corporations. Other areas of practice include the structuring of retirement income, and estate strategies.

David believes activity to be important within one’s industry and community. He serves the City of Trussville as a member of its Park and Recreation Board, and upon the Advisory Board of the Trussville City Schools Foundation. He coaches youth league basketball, and serves Clearbranch United Methodist Church as its finance committee chairman. He serves Ameritas as a member of its National Field Advisory Committee. David and his family live in Trussville, Alabama. David is a native of Florence, Alabama.

Full disclosure

David R. Guttery & Seth Edgil offer products and services using the following business names: Keystone Financial Group – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services, LLC (AAS) – investment advisory services. AIC and AAS are not affiliated with Keystone Financial Group or any other entity mentioned herein.

Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

Online resources

FINRA.ORG

SIPC.ORG

FINRA BrokerCheck

**Securities and investment advisory services are offered solely through Ameritas Investment Company,LLC (AIC), member FINRA/SIPC.

*** The opinions and views stated in this publication are solely those of David R. Guttery and should not in any way be considered to be an endorsement by Ameritas Investment Company, LLC.

**** AIC, Keystone Financial Group, and KeystoneFinGrp.com are not affiliated. Additional products and services may be available through David Guttery or Keystone Financial Group that are not offered.

Proudly Built by Adam Black Media © 2025 All rights reserved.

Keystone Financial Group’s ultimate goal is to help exceed your expectations in the area of financial planning and investing.

Request Meeting
Skip to content