Security Financial Management, Inc.

Whatever you decide about taxes in November is already boxed in by choices made months earlier. July is when you still have room to move.

We built a simple 5-step walkthrough that advisors use to audit a household's tax picture before the year-end crunch hits, checking bracket room, Medicare premium exposure, retirement withdrawal timing, capital-gains opportunities, and where those pieces compete with each other for the same dollars.

Run it now, and there's still time to size things properly before September. Wait until Q4, and the options that were available in July are gone.

Get the full 5-decision walkthrough (and the order to run it in)
👉 https://sfmadvisorgroup.com/mid-year-tax-audit/

🪢 Markets navigated a tug of war in the first half of 2026 between renewed AI enthusiasm and lingering geopolitical uncertainty.

📊 Corporate earnings impressed, small caps came out of the shadows, and international markets held their own, while higher yields quietly reshaped the opportunity in bonds.

In this week's Money with Murphy, Kara breaks down the key takeaways from the quarter and highlights why staying diversified matters more than ever ⬇️

Beyond the AI Buzz: A Midyear Market Check-In In this week's Money with Murphy, Kara breaks down the key takeaways from the quarter and highlights why staying diversified matters more than ever.

Think a Roth conversion is about picking the right market dip? That's not actually the decision that costs households the most money.

The real risk shows up months later, when a conversion quietly pushes a household into a higher Medicare premium tier, crowds out capital-gains room they meant to use, or collides with RMDs that are about to start. None of that shows up on the day you convert. It shows up two years later, in the mail.

Households that model the full bracket window, this year's tax bracket, Medicare surcharges, retirement withdrawal timing, and gains room, together, as one decision, tend to convert the right amount in the right year and keep more of that money working for them long-term.

Read the full breakdown of why coordination (not timing) is what actually determines whether a Roth conversion pays off
👉 https://sfmadvisorgroup.com/roth-conversion-coordination/

Your CPA, advisor, and lawyer aren’t talking—and it might cost your family.
Watch the new episode on here to see why aerospace pros need a synced-up team: https://linktr.ee/sfmmedia

Think a Roth conversion is about picking the right market dip? That's not actually the decision that costs households the most money.

The real risk shows up months later, when a conversion quietly pushes a household into a higher Medicare premium tier, crowds out capital-gains room they meant to use, or collides with RMDs that are about to start. None of that shows up on the day you convert. It shows up two years later, in the mail.

Households that model the full bracket window, this year's tax bracket, Medicare surcharges, retirement withdrawal timing, and gains room, together, as one decision, tend to convert the right amount in the right year and keep more of that money working for them long-term.

Read the full breakdown of why coordination (not timing) is what actually determines whether a Roth conversion pays off
👉 https://sfmadvisorgroup.com/roth-conversion-coordination/

Aerospace retirement is complicated—but your strategy shouldn't be.
We’re breaking down the 12 costly mistakes Lockheed Martin & tech employees keep making in today's episode.
Watch it here 👉 https://linktr.ee/sfmmedia

🛢️ Most investors have been focused on oil prices and geopolitical headlines, but some of the most important commodity trends have been developing beneath the surface.

🇨🇳 In this week’s Money with Murphy, an excerpt from our recent webinar between Kara Murphy, KIM President and CIO, and commodities expert, Kathy Kriskey, on why and how China helped to prevent a major oil shock during the Iran conflict.

🤖 They drill down on how military rearmament and AI infrastructure are creating powerful new demand for industrial metals, and why central bank buying—not inflation—has become the key driver of gold.

Learn more by clicking below ⬇️

https://www.kestraim.com/market-insights/mwm-june-30-2026