Insights & Resources
Whether it’s ideas from the industry or emerging trends, you can read/watch about it her
Qualified Charitable Distribution Is Not Only for Large Estates
Qualified Charitable Distribution Is Not Only for Large Estates Weighed alone, one way of giving hides the tradeoffs between it and the others. Published by
Year-End Tax Planning: The Brief
Year-end tax planning in one October 2026 letter from Security Financial Management: four pages on coordinating gains, losses, conversions and gifts.
Year-End Tax Planning: October 2026 Market Commentary on Prices and Yields
Year-end tax planning in a month when prices rose faster and yields moved higher. What the month’s data meant for households, and which dates stayed fixed.
Tax Planning Strategies for High Earners and Retirees
Tax Planning Strategies for High Earners and Retirees Four tools from a conversation with Michael Allen, CFP®, and the situation each one is built for.
Year-End Tax Planning
Executive compensation planning covers RSUs, options, deferred pay and succession. What each election requires, and when it stops being available.
Year-End Tax Planning and the Risk of Coordination Failure
Executive compensation planning is often treated as a timing question. The elections that govern the outcome close before the numbers arrive.
Medicare Open Enrollment 2026: What Can Change
Medicare open enrollment 2026 runs October 15 to December 7. What it lets you change, what it leaves alone, and where income sets your premium.
Equity Compensation Tax Planning: One Year, Four Events
How RSUs, option exercises, ESPP sales and deferred pay stack in one tax year: 22% withholding, the safe harbor, the 3.8% NIIT and Florida.
Healthcare Planning Before Medicare: The 2026 ACA Changes
A recorded conversation on what changed in the Affordable Care Act for 2026 — the return of the subsidy cliff, a carrier exit, and how coverage is chosen.
Executive Compensation Planning and Concentrated Company Stock
Two CFP® advisers on what happens when your employer is also your largest holding, and why sector funds can double an exposure you never chose.
September 2026 Market Commentary
Equities eased and yields rose through September, and the Federal Reserve raised its target range. What the month means for households holding equity compensation.
Executive Compensation Planning
Executive compensation planning covers RSUs, options, deferred pay and succession. What each election requires, and when it stops being available.
Executive Compensation Planning and the Closing Window
Executive compensation planning is often treated as a timing question. The elections that govern the outcome close before the numbers arrive.
August 2026 Market Commentary — Security Financial Management
Cooling inflation, a negative July payroll print, and a rising long end — read against the Medicare timetable that does not move with markets
The Medicare Planning Audit: Six Decisions Between 63 and 66
A medicare planning audit for $1M+ households. Six decisions between 63 and 66 — IRMAA thresholds, Part B timing, HSA closure, coverage structure. In order.
Why Medicare Planning Isn’t About Medicare — It’s About the Two-Year Lookback
Medicare planning starts at 63, not 65. Your 2024 income sets your 2026 Part B premium. Here is how the two-year IRMAA lookback works and what it costs.
Bracket-Window Audit: The Mid-Year Tax Strategy Brief
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,
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 ·
OBBBA $15M Estate Exemption 2026 — Coordination Commentary
By Frank Lovaglio, RFC® · Managing Partner, Security Financial Management · CRD #1299700Reviewed by Dave Allen, CFP® · CRD #1210763 · June 29, 2026 ·
Net Investment Income Tax: The 3.8% Cliff Most Mid-Year Plans Miss · SFM
Robert and Austen Jacks, CFP® break down the 3.8% Net Investment Income Tax who it applies to, how the $200K threshold works
