Best Advice Podcast Guys

Lockheed Martin and aerospace employees: between your 401(k), ESPP, company stock, and aerospace ETFs, you may be far more concentrated in one industry than you ever chose to be.

Mitch Allen, CFP® and Mike Allen CFP®, of Security Financial Management work with 50+ Lockheed Martin households. They break down where and when SpaceX and aerospace names actually fit — and how to keep your upside without betting your retirement on ...

This episode explains why estate planning matters for everyone, not just the very wealthy, and reveals how common gaps—like missing revocable trusts, living wills, and POAs—can cause costly, emotional problems.

Hosts discuss probate risks, beneficiary designations, proper retitling, and real-life stories showing the consequences, and urge listeners to review documents and consult their advisors. TIMESTAMPS

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On this episode, Rob Lovaglio and Austin Jacks sit down with estate attorney Connect with Olivia Share McClanahan to walk through the essentials of wills, trusts, durable powers of attorney, health care surrogates, living wills, and pre-need guardianship. They explain the difference between revocable and irrevocable trusts, why avoiding probate matters, and why these documents should be aligned and discussed with family.

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In this episode, Rob Lovaglio and certified financial planner Austin Jacks discuss sequence of returns risk — how the timing of market gains and losses affects retirement outcomes. They explain with simple examples why starting distributions during a market downturn can severely impact your nest egg and why having cash reserves and flexible withdrawal strategies matters.

Learn practical tips for planning the transition from a...

This episode explains why life insurance alone isn't enough for trade business owners and contractors. Rob and Trevor discuss how a disabling injury can wipe out income and threaten a business within months.

They outline three protections: disability income insurance, business overhead expense insurance, and clear succession planning, and share statistics showing owners are more likely to be disabled than die before 65.

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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 up...

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 ...

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 ...

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 w...

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 ho...

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 ca...

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 fe...