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Author: Dave Allen, CFP®

Dave is a founding partner of Security Financial Management. He holds the designation of Certified Financial Planner professional™ (CFP®). He served as a member on the Advisory Board of Proequities Inc., past board member of the Y.M.C.A. of Central Florida, active member of the Financial Services Institute (FSI) and the Winter Park Chamber of Commerce.

August 2026 Market Commentary — Security Financial Management

Abstract illustration of rising and falling market lines above a fixed calendar, representing Medicare timing that does not move with markets

By Frank Lovaglio, RFC® · Managing Partner, Security Financial Management · CRD #1299700Reviewed by Dave Allen, CFP® · CRD #1210763 · July 15, 2026 · Last reviewed July 15, 2026 Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC (Kestra IS). Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS). Security Financial Management, […]

The Medicare Planning Audit: Six Decisions Between 63 and 66

    By Dave Allen, CFP® · Managing Partner, Security Financial Management · CRD #1210763Reviewed by Frank Lovaglio, RFC® · CRD #1299700 · Published August 5, 2026 · Last reviewed August 5, 2026 Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC (Kestra IS). Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS). […]

Bracket-Window Audit: The Mid-Year Tax Strategy Brief · SFM

Bracket-Window Audit checklist — five mid-year tax decisions for $1M–$3M households: IRMAA, 0% LTCG, Roth conversion sizing, NIIT drag, RMD onset.

The Bracket-Window Audit: Mid-Year Tax Strategy for $1M–$3M Households A five-step decision sequence that coordinates Roth conversion sizing, IRMAA thresholds, 0% LTCG capacity, NIIT drag, and RMD onset — locked before the Jul 28–29 FOMC decision. The order is the whole game.This is a four-minute read for households running the mid-year tax audit with $1M–$3M […]

June 2026 Estate & Legacy Planning — Monthly Brief · SFM

Four monthly journals representing the June 2026 Estate & Legacy Planning content series — Insight, Resource, Conversation, Commentary — arranged on an oak desk

By Dave Allen, CFP® · Managing Partner, Security Financial Management · CRD #1210763Reviewed by Mike Allen, CFP® · CRD #3153161 · June 30, 2026 · Last reviewed June 30, 2026 Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC (Kestra IS). Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS). Security Financial Management, […]