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Author: Frank Lovaglio, RFC®

Frank is a founding partner of Security Financial Management. He served as a member on the Advisory Board of Concourse, Inc. He is an active member of the Financial Services Institute (FSI) and the Winter Park Chamber of Commerce.

Why Medicare Planning Isn’t About Medicare — It’s About the Two-Year Lookback

Medicare planning two-year lookback — a 2024 tax return connected by an arrow to a 2026 Medicare Part B premium of $202.90 across six IRMAA tiers

  By Frank Lovaglio, RFC® · Managing Partner, Security Financial Management · CRD #1299700Reviewed by Dave Allen, CFP® · CRD #1210763 · August 3, 2026 · Last reviewed August 3, 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 […]

Mid-Year Tax Strategy: June CPI Cooldown and Roth Conversion Sizing · SFM

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, […]

OBBBA $15M Estate Exemption 2026 — Coordination Commentary

Coordinated estate planning documents fanned across an oak desk with a 2026 federal estate exemption summary card, illustrating OBBBA $15M exemption coordination

By Frank Lovaglio, RFC® · Managing Partner, Security Financial Management · CRD #1299700Reviewed by Dave Allen, CFP® · CRD #1210763 · June 29, 2026 · Last reviewed June 29, 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 Mid-Year Tax Decision Audit: Five Decisions Before September

Five-decision tax audit worksheet on an oak desk next to a July 2026 calendar — illustrating the Mid-Year Tax Decision Audit framework

By Frank Lovaglio, RFC® · Managing Partner, Security Financial Management · CRD #1299700Reviewed by Mike Allen, CFP® · CRD #3153161 · July 6, 2026 · Last reviewed July 6, 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, […]