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 · SFM
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.
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 · SFM
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 […]
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, […]
Why Most Roth Conversions Fail Coordination Math (Not Market Timing)
By Mike Allen, CFP® · Managing Partner, Security Financial Management · CRD #3153161Reviewed by Dave Allen, CFP® · CRD #1210763 · 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, […]