Sequence of Returns: How Timing Can Make or Break Your Retirement

Why Lockheed Martin (and Aerospace) Employees Are Quietly Over-Invested

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 a single industry. Educational only — not personal investment advice. Not affiliated with or endorsed by Lockheed Martin or SpaceX.    📌 Schedule a consultation with our award-winning team: https://go.oncehub.com/SecurityFinanc [https://go.oncehub.com/SecurityFinanc]...   #AerospaceCareers #DefenseIndustry #401k #Retirement #BestAdvicePodcast ➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast [https://podcasts.apple.com/us/podcast]... 🔹 Spotify: https://open.spotify.com/show/2xscesU [https://open.spotify.com/show/2xscesU]... 🔹 All Platforms: https://bestadvicepodcastguys.com [https://bestadvicepodcastguys.com/] ➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ [https://www.sfmadvisorgroup.com/] 🔔 Subscribe for more expert insights: / @bapodrob ➖➖➖➖➖➖➖➖➖➖➖➖

86% Don't Have a Revocable Trust — Are You One of Them?

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   00:00 – Living Will Warning 00:34 – Estate Planning Stress Test 00:53 – Revocable Trusts and Probate 01:46 – Healthcare and Durable Powers of Attorney 02:36 – Why Living Wills Matter 02:54 – Beneficiary Mistakes and Real-Life Stories 04:15 – Estate Planning Checklist ━━━━━━━━━━━━━━━━━━ 📈 WELCOME TO BEST ADVICE PODCAST GUYS! We bring you expert financial advice, success stories, and insights from leading financial professionals. Host and a panel of experienced professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down strategies designed to help you build wealth, protect your future, and make more informed financial decisions. ━━━━━━━━━━━━━━━━━━ 🎧 LISTEN AND SUBSCRIBE 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2FbHohCADK2VuoXBqNiGfOcGKIXO%3Fdomain%3Dpodcasts.apple.com&data=05%7C02%7C%7Cbe8e35a6e99645b9fcca08decd406120%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639173873581386304%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=VYww9tRc0LR%2F9rQlbF79t45kbxEIQw6KokXDu676IiM%3D&reserved=0]... 🔹 Spotify: https://open.spotify.com/show/2xscesU [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2FMh0fCBB92WImr027i6hwc2EpaV%3Fdomain%3Dopen.spotify.com&data=05%7C02%7C%7Cbe8e35a6e99645b9fcca08decd406120%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639173873581419789%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=MAJ90vo4DsAT5uqGFvhnhEnlhB3r%2FLlhvb%2FZWNqQwkM%3D&reserved=0]... 🔹 All Platforms: https://bestadvicepodcastguys.com [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2F9AHXCDkW2gimzwG5iAiXcjJNR5%3Fdomain%3Dbestadvicepodcastguys.com&data=05%7C02%7C%7Cbe8e35a6e99645b9fcca08decd406120%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639173873581437452%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=UUwkJnEBY9i4RQ%2BjtFHsPBk4cz%2F2Tpts9DTjzRTJlC4%3D&reserved=0] ━━━━━━━━━━━━━━━━━━ 🤝 GET PERSONALIZED FINANCIAL GUIDANCE 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2FRS0jCERW2jTG2OX3SPslc7Bu47%3Fdomain%3Dsfmadvisorgroup.com&data=05%7C02%7C%7Cbe8e35a6e99645b9fcca08decd406120%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639173873581453748%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=%2F4JSdy2%2BqEjNtzNcj%2BVhHPMBA5OhVYM29hO3MIGoCSk%3D&reserved=0] 📌 Schedule a consultation with our award-winning team: https://go.oncehub.com/SecurityFinanc [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2FxBVTCG6W2lhlREX1tktDcBbSAQ%3Fdomain%3Dgo.oncehub.com&data=05%7C02%7C%7Cbe8e35a6e99645b9fcca08decd406120%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639173873581475601%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=pKaX1%2BDPnIVcHuekoA5EE%2FwGa3C5q9BrFyahq3aLwxk%3D&reserved=0]... ━━━━━━━━━━━━━━━━━━ RELATED TOPICS Estate planning, living wills, revocable trusts, probate, healthcare powers of attorney, durable powers of attorney, beneficiary designations, estate planning mistakes, financial planning, wealth management, retirement planning, and legacy planning. #EstatePlanning #LivingWill #RevocableTrust #Probate #FinancialPlanning #WealthManagement #RetirementPlanning #LegacyPlanning #SecurityFinancialManagement

Don't Leave It to Chance: Estate Planning Essentials Everyone Needs

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. Olivia shares real litigation stories that show how proper planning can prevent costly disputes, and she urges listeners to start early, title assets correctly, and communicate their wishes to protect their loved ones and preserve their estate. Connect with Olivia Share McClanahan,  Senior Associate at Nelson Mullins 📧 olivia.mcclanahan@nelsonmullins.com [olivia.mcclanahan@nelsonmullins.com] 🌐 https://www.nelsonmullins.com/professionals/olivia-share-mclanahan [https://nam10.safelinks.protection.outlook.com/?url=https%3A%2F%2Furl.us.m.mimecastprotect.com%2Fs%2FhxhtCv2Lz3cglgO7CXhWcQ7mhm%3Fdomain%3Dnelsonmullins.com&data=05%7C02%7C%7Cf81b8978dc644a91298b08dec732d197%7Cd693e8592df64cc494b81107a791196a%7C0%7C0%7C639167218268975379%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=G2%2FB9o1%2FF9%2FOHAL%2FJmMQAQXC56OV63WXzrIW%2F9ha5Jg%3D&reserved=0]  🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... 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Sequence of Returns: How Timing Can Make or Break Your Retirement

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 accumulation to decumulation, managing risk, and protecting your retirement income from early market volatility. We bring you expert financial advice, success stories, and insights from top industry leaders. Hosted by Rob Lovaglio and a panel of experienced financial professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down the strategies that drive wealth, success, and financial freedom. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa2M0djU2akhFUGFFM0JOZktxVk1zOVozc0xid3xBQ3Jtc0tsajRsWS1wTm1Iekl1TlhRQ0lnYi1iTzBwU1Y4RVRiZWVteC1ydFlMUGVYQXZvQS1RelFoS3FWM3duZjJzLUNTcWlzTmt2RGdXc1BqNFdyNF94TTl5eUJQS0FFWTh4QWtmUFlIYW1yMHRTLW9VZGtfUQ&q=https%3A%2F%2Fpodcasts.apple.com%2Fus%2Fpodcast%2Fbest-advice-podcast-guys%2Fid1729063229&v=mGibAaYTEN4] 🔹 Spotify: https://open.spotify.com/show/2xscesU... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbHg4TjhSbjZqS3dyWm84Q29iSk93WGh0dFRvd3xBQ3Jtc0treEtGSDBvc3NuQU5uVlR4MFRXOG11QzRpa3NhTmlsNkhfWkxSLVBVaGhRZmFsekhXRnZORXRaZHFBaDRZWXR6bDZ3cUlDdDRHaVFmak56aThGN2Nmd1g0NHlUdlZaWFFNbXF5c0Vvck5lS3ZiZG1uRQ&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F2xscesUNvtNlWnhMIUbK2r&v=mGibAaYTEN4] 🔹 All Platforms: https://bestadvicepodcastguys.com [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbHlPRkRqZ3pZS1ZaaUFJTnAwb2xTLXdLSW11d3xBQ3Jtc0tsY2huNHhralVDYndXX01KcHNRYWhmRGRsUmpQdDlpRUlrbmpmeDNJY3gwNG5qaURyQzE2Y1E1Z1oxZUpUNk9MUGlNWTFmUERuNmFPVnVveGM1RGp6SDlYaEVrdDdvZ1Y4S0F3b3dqcmp3aGpyOFh2RQ&q=https%3A%2F%2Fbestadvicepodcastguys.com%2F&v=mGibAaYTEN4] ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0UyblVMdjN2VG5sb2ppbzF0alp2b2U1S2F0UXxBQ3Jtc0tuZ3dtaFhJS0stSEMwejhDTFhzSEdFTm9SZ3otODh6cF90Z0pmcHdockI4em1DTmJsN1pYSFU3SlRYNGxQYXhZMjBCbnl3ZWpYeGlSbEI0WjZfMG55MWd5czZSV3lWaTlsZ3lTQVdGbGhacWIzbEpsZw&q=https%3A%2F%2Fwww.sfmadvisorgroup.com%2F&v=mGibAaYTEN4] 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbkYyWDNUUmc0UGtFZXpWdW9xT25XVXhmM3JzZ3xBQ3Jtc0ttWmRCOXRabGdNaXdRSURBSzZwbndkXzZ3eHJlYWtIZHczNWpfelZxSlQtLXZrR0otdDRxbW8zQWhJbEpXRHhpbTBrLS01VUtvYVF3V1ZZNFZlMHg0Z2tNZlhkS1JmRTdjMDRnREpwR3RjZDJEeHpPZw&q=https%3A%2F%2Fgo.oncehub.com%2FSecurityFinancialManagement&v=mGibAaYTEN4] 🔔 Subscribe for More Expert Insights:    / @bapodrob   [https://www.youtube.com/channel/UC14Iquhcl8hW2QLF-1gVtvQ]

Protect Your Income: Disability, Overhead Insurance & Succession Planning

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. Practical advice on what to cover and why these guardrails are essential to keep the lights on and preserve your family's and business's financial stability. 🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXdGWERFMkstemVZQ0Z6NHI0cG52aTdtUllyZ3xBQ3Jtc0ttYWZMUXJtaW5CSmVOdE5FRWJ4R2JKdEtwVGJ4YzdFd3ltZF91NElWNUxvaUhTRW5IZUdsT0J2VTI4cEtCTkFZVmNnSmVtNEh6TVZ6ckNKWEJlTFV6b0pieWdCaWhrcXhYUEp6a3FVTURZNmd4VEVRbw&q=https%3A%2F%2Fpodcasts.apple.com%2Fus%2Fpodcast%2Fbest-advice-podcast-guys%2Fid1729063229&v=hRleHFAkGZw] 🔹 Spotify: https://open.spotify.com/show/2xscesU... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbkZDZDVZUGZHZkNOYml3WnRVek1CaGVUVGh2UXxBQ3Jtc0tuZUI4NE9td2dhbmNxNHdyTDI1OG9EVWNWWGNJVWhmR1ZOSGZQZ2RROXpjQ2tPYWFLLW9uaXFsdzc2d1FGYTdDMk5EM0s2eTZ4R01URThlYTM5cVBhdFlzXzhHQmNuanBSNzh4a3ZENjQtWWlJMmFrZw&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F2xscesUNvtNlWnhMIUbK2r&v=hRleHFAkGZw] 🔹 All Platforms: https://bestadvicepodcastguys.com [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDB1VlZzV0sxWmVBVzNaQjd6dGNzTmFFZkt2d3xBQ3Jtc0ttU3pDZlhIcUhPV2J3a3ExZm5KUURqTXhIQVhkWS1haE1lRWVXZnhkU2FOb244NGhtSmRIRVFmNG5naVpFbzh6WVJEOUg0SElCaFBVTEs5dlRkYndJWEM2bkNKRmwyajVRZHJyNUFTLWp3a2wwNnFjcw&q=https%3A%2F%2Fbestadvicepodcastguys.com%2F&v=hRleHFAkGZw] 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnNPUGtVOTFrbXFEek9KRzR1TmtnTV9NSG4yd3xBQ3Jtc0tuX3BxMl9WY2U3RUMybVI2NThKMG93c3RhbEhFdHowY2xLQTRHaGNhRExqelFZZ3hlSGNPdno4QnN6dXVqYXY5QTZnOHQ3M0R6b2NvbVpySlJ1MDRWU3Jub3c1SXl0NVBWci1VX3Ayd19sQTNLWElnYw&q=https%3A%2F%2Fwww.sfmadvisorgroup.com%2F&v=hRleHFAkGZw] 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1AwVWtDWDJERi1OOHV6cmtpcnVjRnZSS0VIZ3xBQ3Jtc0ttRGN4YUdUbHd2RDB1YVRsaXd6X2FmUV9yeWN3V1BPaVdGdUVxTlRvN1hSNFhtTVJNXzBYQTEtNzJzWnduVHlqSnpXS3llNnpZczJnSXp2elFwcDk0d2oyYngzUTAyMmVqbHQtVUlsVjlnUF9DSlloZw&q=https%3A%2F%2Fgo.oncehub.com%2FSecurityFinancialManagement&v=hRleHFAkGZw] 🔔 Subscribe for More Expert Insights:    / @bapodrob   [https://www.youtube.com/channel/UC14Iquhcl8hW2QLF-1gVtvQ]