Best Advice Podcast Guys

Lockheed Martin changed its executive bonus structure from 75% RSUs and 25% cash to 100% RSUs. That shift reduces liquidity, creates new tax-timing challenges, and increases concentration risk in company stock.

This episode breaks down the implications for taxes and portfolio risk, and outlines practical planning steps—liquidity strategies, tax-aware selling, and diversification—to help executives protect their finances.

In this episode of the BA Podcast Guys, host Robert Lovaglio sits down with Dan Laforest, Senior Financial Advisor at SFM, to discuss an important but often avoided topic: family conversations around estate planning, retirement, and financial preparedness. Dan explains why families should not wait until a crisis happens to talk about wills, trusts, life insurance policies, bank accounts, beneficiaries, and financial documents. The ...

In this episode, Rob Lovaglio and Dan LaForse discuss when to start planning for retirement, why age 50 is a pivotal milestone, and how small changes today can lead to big results later. They use everyday examples and analogies to highlight the importance of timing, intentional saving, and preparing for unexpected events.

Dan emphasizes acting early, treating time as your greatest asset, and moving from accumulation to a retirement...

This episode, join Financial Expert, Frank Lovaglio, Founder of SFM, and Estate Attorney, Regina Rabitaille, Partner of Nelson Mullin, who explains why estate planning is as much about protecting assets while you’re alive as it is about what happens after you die, emphasizing collaboration between financial advisors, estate attorneys, and CPAs.

Listeners learn the critical importance of funding — retitling assets and updating benef...

In this episode, Rob Lovaglio and Dave Allen of SFM break down the buzz around SpaceX and explain how investors can potentially own it before or after an IPO. They cover what SpaceX, Starlink, and XAI are, the rumored summer IPO timing, and why you can’t buy shares on public exchanges yet.

The hosts outline practical options for getting exposure: waiting to buy post-IPO, investing in private equity or venture funds with quarterly l...

Are annuities a scam? That's exactly what one of our listeners asked — and the answer might surprise you.

In this episode of Best Advice Podcast Guys, host Rob Lovaglio sits down with certified financial planner Trevor Bell of Security Financial Management to break down the three most common annuities you'll hear about — and cut through the noise on which ones are actually worth your attention.

They cover why annuities got such a b...

In this episode Sylvia Williams and Rob discuss common mistakes people make when changing jobs—especially leaving behind multiple 401(k) accounts—and how consolidating those accounts and using an active, personalized investment strategy can make a big difference. They share a real client story of a young professional whose scattered accounts were gathered, consolidated, and placed into a tailored plan that’s now working for her fut...

In this episode, Michael Allen of Security Financial Management breaks down practical tax-planning strategies for retirees and high-net-worth individuals.

Topics include qualified charitable distributions (QCDs), donor-advised funds, backdoor Roth IRAs, direct indexing with tax-loss harvesting, and the AQR Flex strategy—explaining when each tool can help reduce taxes and how they fit into a broader financial plan.

Trump Account: Turn $1,000 Into $200,000 for Your Child.

In this episode of BA Podcast Guys, host Robert Lovaglio sits down with Michael Allen, CFP, Managing Partner at Security Financial Management, to discuss the concept of the “Trump Account” and how it could potentially help build long-term wealth for the next generation.

During the conversation, Michael Allen explains how this account works, who qualifies, and how parents or...

If you recently had a liquidity event, inherited assets, or your network jumped overnight, this episode with Rob Lovaglio and CFP Trevor Bell explains how to shift from accumulation to preservation after an $8M windfall.

They cover avoiding concentration risk and lifestyle inflation, setting up revocable and irrevocable trusts, lifetime gifting, reviewing state estate tax exposure, and coordinating investments, legal structure, and...

Investors often react to headlines and account swings instead of sticking to a plan. This episode explains why emotion leads to poor decisions and how structure, automation, and dollar-cost averaging help you stay on course during market downturns.

Learn practical ways financial planners remove emotional decision-making—automating contributions, treating saving like a bill, and capitalizing on market downturns—so you can focus on l...

The 3.8% Tax You Didn’t Plan For (What High Earners Need to Know) In this episode of BA Podcast Guys, host Robert Lovaglio sits down with certified financial planner Austen Jacks, CFP® to break down the 3.8% Net Investment Income Tax (NIIT) — the additional tax that can apply once your income crosses the $200,000 threshold. Many high earners focus on capital gains rates, dividends, and overall investment returns, but fewer people r...

Sponsored by Security Financial Management, Mitchell Walk, CFP, presents a practical outlook for 2026 focused on investor behavior.

Rather than predicting market moves, this episode explains why discipline, patience, and smart decision-making matter more than economic forecasts or headlines.

Hear how media noise and election narratives can mislead investors, why moving to cash often harms returns, and where to turn for guidance fro...

Rob and CFP Trevor Bell answer viewer questions on investing without a 401(k), recommending simple options like Roth or Traditional IRAs, solo 401(k)s for business owners, and low-cost index funds.

They explain compound interest with a snowball analogy and offer practical advice on automating day-to-day savings and building an emergency fund one month at a time.

 Robert Lovaglio sits down with certified financial planner Trevor Bel...

Rob Lovaglio and Mitchell Allen break down the simple math of compounding and show how time—not luck—is the biggest factor in hitting a $3 million retirement target at age 65. Using an 8% long-term return, they give concrete examples of the one-time amounts needed at different ages (e.g., ~$20,000 at birth, ~$44,000 at 10, ~$94,000 at 20, ~$203,000 at 30, ~$438,000 at 40, ~$946,000 at 50, and ~$2.07M at 60) to reach $3M.

The episod...

Rob LoVgllio and Dan LaForest explore how sitting on cash or rolling CDs without a plan can quietly destroy purchasing power through inflation. They break down opportunity risk, CD ladders, treasuries, and the trade-offs between safety and growth.

The hosts stress defining objectives, staying flexible as rates change, and working with experienced advisors to make informed decisions that preserve and grow wealth.

🎧 *Listen & ...

Budgeting often fails because it relies on willpower and constant tracking—life gets busy and discipline wears out. In this episode Rob Lovaglio and Trevor Bell explore why traditional budgets crumble and why it’s often a system problem, not a personal failing.

The solution they recommend is automation: treat savings and investments like monthly bills by "paying yourself first," use automated transfers and dollar-cost averaging, an...