Best Advice Podcast Guys

Hosts Rob Lovaglio and Trevor "Truck" Bell walk through a concise year-end financial checklist for closing out 2025. They explain tax loss harvesting to offset gains, the importance of maxing out qualified accounts (IRAs/Roth IRAs) before deadlines, required minimum distributions for those 73 and older, and running a portfolio stress test to reassess risk and allocations.
Listeners will learn practical actions to reduce taxes, avoid penalties, and ensure their portfolio allocation and contributions are in order before the new year.
 
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Episode explains major Affordable Care Act changes for 2026: significant premium increases (around 18%), the end of excess subsidies for those above 400% of the federal poverty level, and Aetna leaving the marketplace.
Good news: bronze and catastrophic plans will be deemed HSA-compatible starting 2026, allowing pre-tax contributions and investment growth; HSA limits and catch-up rules are discussed. Bad news: higher premiums and a subsidy cliff that can leave many without financial help.
Takeaway: review doctors and prescriptions when choosing plans, consult a tax or financial advisor about HSA strategies, and contact your insurance agent to compare options before open enrollment.
 
🤝 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 and Trevor discuss how market gains can make investors overestimate their risk tolerance and the importance of a proper risk analysis.
They explain how a risk questionnaire and financial planning help align your portfolio with your psychological comfort, using an example showing large differences in potential losses when risk is mismatched.
Listeners are encouraged to review their risk score with an advisor and regularly reassess as life and markets change.
 
🤝 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  

Rob Lovaglio and the founders of Security Financial Management explain direct indexing and how it can create tax savings by harvesting capital losses while closely tracking an index like the S&P 500.
The founders of SFM walk through a real example, describe intraday loss-harvesting and loss carryforwards, and explain when this strategy can be useful for reducing future tax on big gains.

This episode explores how artificial intelligence is rapidly spreading into everyday life and the markets, from widespread ChatGPT adoption to massive corporate spending on AI infrastructure.Guests discuss the investment implications—why buying the latest AI winners can be risky, the slow adoption curve that mirrors past tech revolutions, and the cybersecurity and fraud risks that demand new protections.The conversation also emphasizes the human side: responsible use, maintaining relationships and balance, and the long path from early experimentation to meaningful productivity gains.

Rob Lovaglio and Steven Young break down the essentials of employer 401(k) plans — how to enroll, contribution recommendations, employer matches, investment choices (including target-date funds), tax differences between traditional and Roth contributions, and withdrawal rules. They explain vesting, contribution limits for 2025, and why a 401(k) should be treated as long-term retirement savings rather than an emergency fund.
Whether you’re new to workplace retirement plans or want a refresher, this episode makes the 401(k) simple and actionable so you can start making smarter retirement decisions.

Business owners: if you don’t offer retirement benefits, you risk losing top hires to larger companies. This episode explains the three common small-business options—SEP IRA, SIMPLE IRA and 401(k)—and why a 401(k) with an employer match often provides the best balance of recruitment value, flexibility and tax benefits.Hosts walk through a real example where a safe-harbor 401(k) with a 4% match helped a boutique firm grow from seven to ten employees while allowing the owner to save significantly for retirement. Step one: sit down with an advisor to pick the plan that fits your business goals and budget.

Independent business owners walk through practical retirement options for sole proprietors, including Traditional/Roth IRAs, SEP IRAs, SIMPLE IRAs, and Solo 401(k)s, with clear differences in simplicity, flexibility, and contribution limits.The hosts explain how choosing a Solo 401(k) over a SEP IRA can dramatically increase yearly contributions without changing salary, using a real-client example to show the long-term impact.

Most people think that once you max out your 401(k), the game is over — but that's where the game begins. This episode lays out the exact playbook for what to do next so your money can grow tax-free, beat inflation, and build multigenerational wealth.We cover high-impact moves like the backdoor Roth IRA, mega backdoor Roth, the triple-tax-advantaged HSA, taxable brokerage strategies, real estate and private equity alternatives, and insurance-based options — explaining when and why each one makes sense.Simple, practical sequence and considerations are provided so you can prioritize the right buckets for your goals, taxes, and flexibility.

Discover how a teen’s summer earnings can grow into a seven-figure retirement by using a custodial Roth IRA. The episode explains the math behind compound interest (example: $2,300/year from age 15 at an 8% return grows to about $1.3M), contrasts starting early versus starting at 30, and shows how much more you’d need later to catch up.It also reviews alternative savings options—529 plans, UGMA/UTMA custodial accounts, and high-yield savings—and outlines the Roth IRA basics, requirements (earned income and a custodian), and the tax benefits of tax-free growth and withdrawals.