Best Advice Podcast Guys

Should Aerospace Employees Retire at 55, 60 or 65—and what could those extra working years mean for you? On BA Podcast Guys, host Rob sits down with senior advisors Steve Young and Michael Allen, CFP, to discuss the choices behind that decision.
They cover early retirement, healthcare costs before Medicare, retirement savings, taxes, Social Security and pension considerations.
Beyond the numbers, they ask something worth thinking about: what do you actually want your days to look like when work becomes optional?
Whether you’re counting down or exploring your options, join this honest conversation about retirement planning for Lockheed Martin/Aerospace  employees. What age are you aiming for? Tell us below and subscribe for more conversations.Timestamps: 00:00 Choosing your retirement age 00:26 Retiring at 55: goals, expenses and lifestyle 02:18 Healthcare costs, taxes and access to savings 03:30 Building a flexible retirement plan 04:46 Retiring at 60: what five more years can change 05:59 Second careers and starting a business 07:11 Retiring at 65: Medicare and consulting 08:00 Social Security and pension choices 08:48 Is there a perfect retirement age? 10:25 Closing thoughts and disclaimer
📈 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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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 #lockheedmartin #investingtips #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement

This episode walks aerospace employees through a simple, stage-based retirement checklist, divided into ages 55–59, 60–64, and 65+.Rob sits down with senior advisor Steve Young, and Mitchell Allen CFP®, explain how to coordinate pension elections, salaried savings plan decisions, Social Security timing, Medicare enrollment (including coordination with VIA), and other benefits that run on different timelines.
They cover practical steps for designing and stress-testing income strategies, when to request retirement packages, handling unused PTO, and executing the plan so you can retire with confidence.
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🎧 Listen & Subscribe:
 
🔹 Apple Podcasts:
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https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
🤝 Get Personalized Financial Guidance: 📌
Learn about the SFM process:
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📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc...
🔔 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

Advisors Michael Allen and Stephen Young share memorable advice from a retired Lockheed VP.Join Best Advice Podcast Guys as we break down practical tips on productivity, planning, and mastering your trade to increase effectiveness in work and investing.➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 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 #investingtips #marketnews #401k #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement

This episode uncovers the non-market dangers that can quietly derail retirement plans—longevity, inflation, healthcare and long-term care costs, insurance gaps, estate mistakes, and behavior-driven decisions—highlighted for Lockheed and aerospace employees.
Senior advisors Michael Allen,CFP® and Steve Young explain sequence-of-returns risk, beneficiary and estate planning, liability and umbrella coverage, and the need to protect income with disability insurance.
They stress stress-testing plans, pre-planned behavior during market swings, and practical steps to keep your retirement resilient so you don’t outlive your savings.📈 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 #investingtips #marketnews #401k #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement

The Biggest Financial Mistakes Young Professionals Should Avoid Starting your financial journey early can make a real difference—but knowing where to begin isn’t always easy.
In this episode of BA Podcast Guys, Rob sits down with Senior Advisors Mitch Allen, CFP®, and Steve Young to share practical financial planning advice for young professionals.
They discuss how to maximize workplace benefits, employer 401(k) matching and Health Savings Accounts while protecting your income through appropriate insurance. The conversation also explores estate planning, marriage, divorce, managing old retirement accounts and building a tax-efficient strategy for the future.
Whether you’re receiving your first paycheck or preparing to accelerate your retirement savings, this episode offers straightforward guidance to help you organize your finances and move forward with confidence. Subscribe to BA Podcast Guys for more honest, practical conversations about money and your financial future.
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Timestamps:
00:00 – Taking Advantage of Great Benefits
00:09 – Welcome to Best Advice Podcast
00:22 – Financial Planning for Young Professionals
01:20 – Protecting Income and Future Earnings
02:06 – Advice for New Lockheed Employees
03:05 – Marriage as a Planning Event
04:10 – Financial Planning After Divorce
04:51 – Turbocharging Savings Before Retirement
06:03 – Start Early and Simplify Accounts
07:04 – Final Advice and Closing
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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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📅 Want to build your own plan? Talk to Mitch & Steve  →https://connect.securityfinancialmanagementinc.com/widget/bookings/discoverycallsecurityfinancialmanagementgcfad4
🤝 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...
 
🎧 Listen & Subscribe:
🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...
🔹 Spotify: https://open.spotify.com/show/2xscesU...
🔹 All Platforms: https://bestadvicepodcastguys.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 ##financialplanning #personalfinance #wealthmanagement #retirementplanning #investing #money #finance #podcast #moneymatters #securityfinancialmanagement
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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
🔔 Subscribe for More Expert Insights:https://www.youtube.com/@bapodrob
#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:
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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
■■■■■■■■■■■■
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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