Épisodes

  • No 401(k)? Start Investing Today — Simple Steps

    No 401(k)? Start Investing Today — Simple Steps
    Jan 28 2026
    Rob and CFP Trevor Bell answer viewer questions on investing without a 401(k), recommending simple options like Roth or Traditional IRAs, solo 401(k)s for business owners, and low-cost index funds. They explain compound interest with a snowball analogy and offer practical advice on automating day-to-day savings and building an emergency fund one month at a time. Robert Lovaglio sits down with certified financial planner Trevor Bell, CFP®, to answer some of the most common money questions people are asking today. If your job does not offer a 401k, this conversation is especially for you. Robert and Trevor break down where and how you can start investing, explain the real power of compound interest in simple terms, and share practical advice on managing your day-to-day savings. From IRAs and index funds to high-yield savings accounts, this episode focuses on keeping things simple, realistic, and actionable. They also discuss why time in the market matters more than timing the market, how small and consistent habits can lead to long-term wealth, and why automating your savings can make a huge difference over time. Whether you are just starting your financial journey or looking to improve your current strategy, this episode offers clear guidance you can actually use. If you want to learn more or speak with a certified financial planner, be sure to check the links provided in the description. Thanks for listening, and remember, the secret to wealth is not what you earn, it is what you keep. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Timestamps: 00:00 – Episode topics overview 00:36 – Investing without a 401k 01:19 – What is compound interest 02:51 – Managing day-to-day savings 03:50 – Final thoughts and call to action 04:04 – Outro ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 📈 Welcome to Best Advice Podcast Guys! We bring you expert financial advice, success stories, and insights from top industry leaders. Hosted by Rob Lovaglio and a panel of experienced financial professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down the strategies that drive wealth, success, and financial freedom. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... 🔹 Spotify: https://open.spotify.com/show/2xscesU... 🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... 🔔 Subscribe for More Expert Insights: / @bapodrob ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Related Phrases Financial advice from industry experts, smart investing strategies for beginners, market updates and economic insights, how to grow wealth and manage money, the best financial podcast for investors, breaking down stock market trends, expert tips for financial freedom, understanding taxes tariffs and trade policies, wealth-building secrets from financial advisors, how to protect your investments in a volatile market Related Hashtags #personalfinance #investing #401kalternatives #compoundinterest #financialadvice #moneytips #retirementplanning #investingforbeginners #financialplanning #savingmoney #wealthbuilding #irainvesting #indexfunds #bestadvicepodcast #certifiedfinancialplanner
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    4 min
  • How Time Makes You Rich: The Simple Math Behind a $3M Retirement

    How Time Makes You Rich: The Simple Math Behind a $3M Retirement
    Jan 21 2026

    Rob Lovaglio and Mitchell Allen break down the simple math of compounding and show how time—not luck—is the biggest factor in hitting a $3 million retirement target at age 65. Using an 8% long-term return, they give concrete examples of the one-time amounts needed at different ages (e.g., ~$20,000 at birth, ~$44,000 at 10, ~$94,000 at 20, ~$203,000 at 30, ~$438,000 at 40, ~$946,000 at 50, and ~$2.07M at 60) to reach $3M.

    The episode emphasizes starting early, staying invested through market ups and downs, saving consistently in the right accounts, and using disciplined, boring actions to build lasting wealth.

    🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... 🔹 Spotify: https://open.spotify.com/show/2xscesU... 🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance:

    📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/

    📌 Schedule a consultation with our award-winning team

    👉 https://go.oncehub.com/SecurityFinanc...

    🔔 Subscribe for More Expert Insights: / @bapodrob

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    11 min
  • Don't Let 'Do Nothing' Cost You: How Inflation Silently Erodes Wealth

    Don't Let 'Do Nothing' Cost You: How Inflation Silently Erodes Wealth
    Jan 14 2026

    Rob LoVgllio and Dan LaForest explore how sitting on cash or rolling CDs without a plan can quietly destroy purchasing power through inflation. They break down opportunity risk, CD ladders, treasuries, and the trade-offs between safety and growth.

    The hosts stress defining objectives, staying flexible as rates change, and working with experienced advisors to make informed decisions that preserve and grow wealth.

    🎧 *Listen & Subscribe:*

    🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast/best-advice-podcast-guys/id1729063229

    🔹 Spotify: https://open.spotify.com/show/2xscesUNvtNlWnhMIUbK2r

    🔹 All Platforms: https://bestadvicepodcastguys.com

    🤝 *Get Personalized Financial Guidance:*

    📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/

    📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinancialManagement
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    16 min
  • Automate Your Budget: Pay Yourself First, Not Later

    Automate Your Budget: Pay Yourself First, Not Later
    Jan 7 2026

    Budgeting often fails because it relies on willpower and constant tracking—life gets busy and discipline wears out. In this episode Rob Lovaglio and Trevor Bell explore why traditional budgets crumble and why it’s often a system problem, not a personal failing.

    The solution they recommend is automation: treat savings and investments like monthly bills by "paying yourself first," use automated transfers and dollar-cost averaging, and keep realistic fun money so your budget is sustainable.

    🎧 Listen & Subscribe:

    🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...

    🔹 Spotify:

    https://open.spotify.com/show/2xscesU...

    🔹 All Platforms:

    https://bestadvicepodcastguys.com
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    11 min
  • When the Market's Up, Risk Hides: Is Your Portfolio Too Aggressive?

    When the Market's Up, Risk Hides: Is Your Portfolio Too Aggressive?
    Dec 31 2025

    This episode explains why risk tolerance often reveals itself only when markets fall, not when they soar. Hosts Rob Cavaglio and Trevor Bell discuss how emotional bias and hot sectors like tech and AI can make portfolios riskier than investors realize, and why a proper risk-tolerance questionnaire (scored 1–99) matters.

    Using a real example, they show how a misaligned portfolio can turn a moderate loss into a catastrophic one, and offer practical steps: take a comprehensive risk assessment, realign allocations (stocks vs. bonds), diversify, and work with a financial planner to manage both investments and emotions.

    🤝 Get Personalized Financial Guidance:

    📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/

    📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc...

    🔔 Subscribe for More Expert Insights: / @bapodrob

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    12 min
  • You're Investing — But Still Behind: The Missing Steps Most Advisors Skip

    You're Investing — But Still Behind: The Missing Steps Most Advisors Skip
    Dec 31 2025

    Rob and Trevor answer Stacey’s question by walking through a CFP-style framework: start with an honest budget, build an emergency fund (3–6 months of expenses), then invest according to specific goals and time horizons.

    They explain bucketed strategies for retirement, down payments and short-term goals, the value of liquid taxable accounts versus locked retirement accounts, and why purpose-driven planning and a specialist team matter more than simply “investing first.”

    🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... 🔔 Subscribe for More Expert Insights: / @bapodrob

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    14 min
  • How College Athletes Are Really Managing NIL Money (Joshua Raymond, FSU Football)

    How College Athletes Are Really Managing NIL Money (Joshua Raymond, FSU Football)
    Dec 29 2025
    How College Athletes Are Really Managing NIL Money (Real Talk from Joshua Raymond, FSU Football) ‪@teamcounsel‬ In this episode of the Ba Podcast Guys, we dive into the real conversation around NIL money and how college athletes are actually managing it behind the scenes. With NIL deals becoming a major part of college sports, many young athletes are earning serious income for the first time in their lives, often without clear guidance on taxes, budgeting, or long-term planning. Our guest, Joshua Raymond of FSU Football, shares candid insights on receiving NIL payments, resisting reckless spending, and building a sound financial foundation early. Alongside experienced Financial Advisor Dan LaForest, who breaks down the realities of NIL income, common mistakes college athletes make, and why having the right team and mindset matters more than the money itself. This conversation goes beyond sports. It touches on personal finance, financial literacy, investing basics, tax planning, and how young earners can think like business owners instead of short-term spenders. Whether you are a college athlete, student, parent, or simply interested in money management and wealth building, this episode offers practical lessons that apply far beyond the field. If you want real talk, real experiences, and real financial education without hype, this episode is for you. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Timestamps: 00:00 – College athletes & money mistakes 00:44 – Podcast intro & guest Josh 01:24 – Josh’s football role & strengths 01:58 – Beating Alabama experience 03:40 – Discipline & NIL balancing act 05:19 – NIL money & financial risks 07:39 – Building a business with NIL 11:53 – Compound interest explained 15:39 – Managing monthly NIL income 24:43 – Advice for young athletes ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 📈 Welcome to Best Advice Podcast Guys! We bring you expert financial advice, success stories, and insights from top industry leaders. Hosted by Robert Lovaglio and a panel of experienced financial professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down the strategies that drive wealth, success, and financial freedom. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... 🔹 Spotify: https://open.spotify.com/show/2xscesU... 🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... 🔔 Subscribe for More Expert Insights: / @bapodrob ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Related Phrases Financial advice from industry experts, smart investing strategies for beginners, market updates and economic insights, how to grow wealth and manage money, the best financial podcast for investors, breaking down stock market trends, expert tips for financial freedom, understanding taxes tariffs and trade policies, wealth-building secrets from financial advisors, how to protect your investments in a volatile market Related Hashtags #401k #401kallocation #retirementplanning #financepodcast #investingtips #marketnews #stockmarket #wealthbuilding #financialfreedom #moneymatters #tradingstrategies #economicnews #financialplanning #securityfinancialmanagement
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    23 min
  • Target-Date vs Self-Managed Explained: Your 401(k)

    Target-Date vs Self-Managed Explained: Your 401(k)
    Dec 17 2025

    In this episode Rob and certified financial planner Trevor Bell walk through how 401(k) allocations work, comparing target-date retirement funds with self-allocated options and explaining the pros and cons of each.

    They cover basics like fund lineups, risk and time horizon, expense ratios, rebalancing responsibilities, and when to consider rolling a 401(k) into an IRA or a professionally managed account.

    🤝 Get Personalized Financial Guidance: 📌 Learn about the SFM process: https://www.sfmadvisorgroup.com/ 📌 Schedule a consultation with our award-winning team 👉 https://go.oncehub.com/SecurityFinanc... 🔔 Subscribe for More Expert Insights: / @bapodrob

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    11 min