Best Advice Podcast Guys

A CPA, estate-planning attorney, insurance professional, and financial advisor may all be working for you—but are they actually talking to one another?
In this episode, Michael Allen, CFP®, and Mitchell Allen, CFP®, explain why professional coordination is critical for aerospace employees and their families.
Using real client examples, they show what can happen when financial professionals fail to communicate—and how proper coordination can connect your:
• Estate plan and trusts• Beneficiaries and life insurance• Pension and Social Security• Taxes and investment accounts• RSUs and company benefits• Family and professional team
For Lockheed Martin and other aerospace employees, having multiple specialists is not enough. They must understand the complete financial picture and work together before a major life event occurs.
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📈 Welcome to Best Advice Podcast Guys!
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.
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🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast/best-advice-podcast-guys/id1729063229🔹 Spotify: https://open.spotify.com/show/2xscesUNvtNlWnhMIUbK2r🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinancialManagement
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#AerospaceEmployees #EstatePlanning #FinancialPlanning #LockheedMartin #RetirementPlanning

Certified Financial Planners® Michael Allen and Mitchell Allen walk through 12 common retirement challenges faced by Lockheed Martin and aerospace employees, including too many choices, overreliance on company stock, tax surprises, Social Security timing, healthcare costs, asset allocation, withdrawal strategies, and estate planning.
The episode delivers concise, practical advice and actionable steps to simplify decisions, protect savings, coordinate benefits, and build a tax-efficient, long-term retirement strategy so listeners can retire with clarity and confidence.
🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast/best-advice-podcast-guys/id1729063229🔹 Spotify: https://open.spotify.com/show/2xscesUNvtNlWnhMIUbK2r🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinancialManagement
🔔 Subscribe for More Expert Insights: https://www.youtube.com/@BApodRob
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Aerospace Employees (Lockheed Martin): You may be leaving 10% free money on the table. Between automatic 6% contribution and the 50% match on your first 8%, the salary savings plan pays you to show up — and most employees never max it.
Mike Allen, CFP® and Mitch Allen, CFP® of Security Financial Management break down the 6% + 4% math, why your emergency fund comes first, the Roth "tax insurance" move, RSU over-concentration, and the acronyms (NQSSP, SSP, DMICP, NUA) that actually matter. 📌 Schedule a consultation with our award-winning team: https://go.oncehub.com/SecurityFinancialManagement
#LockheedMartin #401k #Retirement #AerospaceCareers #BestAdvicePodcast ➖➖➖➖➖➖➖➖➖➖➖➖
🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast/best-advice-podcast-guys/id1729063229
🔹 Spotify: https://open.spotify.com/show/2xscesUNvtNlWnhMIUbK2r
🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/
🔔 Subscribe for more expert insights:
www.sfmadvisorgroup.com
 

Aerospace and defense employees (Lockheed Martin, Northrop Grumman, and beyond): even the most analytical engineers make emotional money decisions when the market drops. Reacting to every scary headline can quietly cost you your retirement.
Steven Young, and Mitch Allen, CFP®, of Security Financial Management work with 50+ Lockheed Martin households. They break down which market headlines actually matter (and which don't), the simple 3-bucket system they use to decide when to act, and why staying invested almost always beats reacting.
■ Schedule a consultation with our award-winning team: https://go.oncehub.com/SecurityFinanc..
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■ Listen & Subscribe:
■ Apple Podcasts:
https://podcasts.apple.com/us/podcast..
■ Spotify: https:
//open.spotify.com/show/2xscesU..
■ All Platforms:
https://bestadvicepodcastguys.com
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■ Get Personalized Financial Guidance:
■ Learn about the SFM process: https://www.sfmadvisorgroup.com/
■ Subscribe for more expert insights: / @bapodrob
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Related Phrases
Financial advice from industry experts, smart investing strategies for beginners, market updates and economic insights, how to grow wealth and manage money, the best financial podcast for investors, breaking down stock market trends, expert tips for financial freedom, understanding taxes tariffs and trade policies, wealth-building secrets from financial advisors, how to protect your investments in a volatile market
Related Hashtags
#financepodcast #investingtips #marketnews #stockmarket #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement #AerospaceCareers #DefenseIndustry #401k #Retirement #BestAdvicePodcast

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...
 
#AerospaceCareers #DefenseIndustry #401k #Retirement #BestAdvicePodcast
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🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...🔹 Spotify: https://open.spotify.com/show/2xscesU...🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/
🔔 Subscribe for more expert insights: / @bapodrob
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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 Warning00:34 – Estate Planning Stress Test00:53 – Revocable Trusts and Probate01:46 – Healthcare and Durable Powers of Attorney02:36 – Why Living Wills Matter02:54 – Beneficiary Mistakes and Real-Life Stories04:15 – Estate Planning Checklist
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📈 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.
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🎧 LISTEN AND SUBSCRIBE
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...🔹 Spotify: https://open.spotify.com/show/2xscesU...🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 GET PERSONALIZED FINANCIAL GUIDANCE
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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

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🌐 https://www.nelsonmullins.com/professionals/olivia-share-mclanahan 
🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...
🔹 Spotify: https://open.spotify.com/show/2xscesU...
🔹 All Platforms: https://bestadvicepodcastguys.com
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🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/
📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc...
🔔 Subscribe for More Expert Insights:
   / @bapodrob  
 
 

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... 🔹 Spotify: https://open.spotify.com/show/2xscesU... 🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... 🔔 Subscribe for More Expert Insights:    / @bapodrob  

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... 🔹 Spotify: https://open.spotify.com/show/2xscesU...
🔹 All Platforms: https://bestadvicepodcastguys.com
🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/
📌 Schedule a consultation with our award-winning team
👉 https://go.oncehub.com/SecurityFinanc...
🔔 Subscribe for More Expert Insights:
   / @bapodrob  

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.
Lockheed Martin Employees | What the New 100% RSU Bonus Means for You In this episode of BA Podcast Guys, host Robert Lovaglio sits down with Michael Allen, CFP® and Stephen Young, CFP® to discuss a major compensation change affecting Lockheed Martin employees: bonuses moving from a mix of cash and RSUs to 100% restricted stock units. This change may look simple on the surface, but it can create real planning challenges around taxes, liquidity, stock concentration, and long-term financial decisions. Michael and Stephen break down what Lockheed Martin employees should understand about RSU vesting, when to sell or hold company stock, how taxes can be impacted, and why having a clear financial plan matters more than ever. The conversation also covers the risks of building too much exposure to one company stock, how emotional investing can affect decision-making, and why proper tax sequencing may help high-income employees avoid costly mistakes. Whether you are a Lockheed Martin manager, director, executive, or employee receiving RSUs, this episode offers practical insight into how to approach the new bonus structure with more confidence. This video is for educational and informational purposes only and should not be considered personal financial advice. Always consult a qualified financial advisor before making financial decisions. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Timestamps: 00:00 – Lockheed Martin bonus change explained 00:21 – New 100% RSU compensation impact 00:48 – RSU tax and liquidity planning 00:59 – Restricted stock units and concentration risk 02:37 – Financial planning for Lockheed Martin employees 03:10 – RSU vesting, selling, and tax strategy 04:40 – Reducing taxes with RSU planning ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 📈 Welcome to Best Advice Podcast Guys! 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...
🔹 Spotify: https://open.spotify.com/show/2xscesU...
🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
🤝 Get Personalized Financial Guidance:
📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/
📌 Schedule a consultation with our award-winning team
👉 https://go.oncehub.com/SecurityFinanc...
🔔 Subscribe for More Expert Insights:
   / @bapodrob   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
Related Phrases
Financial advice from industry experts, smart investing strategies for beginners, market updates and economic insights, how to grow wealth and manage money, the best financial podcast for investors, breaking down stock market trends, expert tips for financial freedom, understanding taxes tariffs and trade policies, wealth-building secrets from financial advisors, how to protect your investments in a volatile market
Related Hashtags
#financepodcast #rsu #investingtips #marketnews #stockmarket #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement