SFA Wealth Management, LLC.

10/27/2026

Roth Conversions Under 59½: How to Avoid the 10% Penalty ⚠️💡

Thinking about a Roth conversion before age 59½? It can be a smart move... but only if you handle the tax bill the right way. As Larry Roby and Erin Kennedy explain, using retirement funds to pay those taxes could trigger a 10% early withdrawal penalty, and that’s a mistake we want younger investors to avoid.
In this week’s interview, we break down:
👉 Why paying taxes with outside, after-tax money is essential
👉 How Peter helps clients decide if a Roth Conversion makes sense
👉 And why Roth conversions are so popular right now

If you’d like to determine if a Roth Conversion is right for you, please call our team at 615-216-1048, or visit www.SFAWealth.com ... a little planning now can spare you a big penalty.

09/30/2026

A strong financial future does not happen by accident. It is built with purpose.

Whether you are five years from retirement or simply getting more intentional about your long-term goals, having a clear financial plan can help you understand where you stand and what comes next.

At SFA Wealth, we help you build a strategy around your goals, priorities, and the future you envision.

Ready to start planning? Let’s talk.

09/29/2026

RMD 101: The Rules That Catch Retirees Off Guard

Required minimum distributions aren’t just about taking money out... they come with IRS rules that can affect your taxes, your retirement strategy, and even your charitable giving.

In this video, Larry Roby and Erin Kennedy break down the RMD rules that surprise retirees most, including:
✔️ Each retirement account has its own RMD
✔️ Why RMDs can’t go directly into a Roth IRA
✔️ How RMDs can be used for living expenses or reinvested in a taxable account
✔️ Using RMDs to support your favorite charities
✔️ Why RMDs are generally taxable—and how to plan ahead

Understanding these basics can help you avoid penalties, manage taxes more effectively, and make the most of your retirement income. With the end of the year approaching, now is the time to talk about strategic tax planning. Call our team at 615-216-1048 or visit www.SFAWealth.com

09/29/2026

Life insurance is not just about protecting income. It is about helping protect the people who matter most.

September is Life Insurance Awareness Month, a good time to revisit your coverage and consider whether it still reflects your family’s needs and future goals. We’re here to help you see how life insurance fits into your broader financial strategy.

09/24/2026

When it comes to Social Security, timing matters. The age you choose to claim benefits can have a lasting impact on your retirement income.

A personalized strategy can help you evaluate when and how to claim based on your financial picture and long-term goals.

If you’re within five years of retirement, this is a good time to start the conversation. Connect with our team at SFA Wealth to learn more.

09/23/2026

Not sure how much life insurance you need or what type of coverage makes sense? You are not alone. One in four Americans says uncertainty around coverage needs has kept them from purchasing life insurance.

September is Life Insurance Awareness Month, a good time to learn more about your options and review whether your current coverage aligns with your needs. Reach out to our team. We’re here to help.

09/22/2026

Retirement planning is about more than saving. It is also about having a strategy for turning those savings into income throughout retirement.

A thoughtful income plan can help you prepare for your spending needs, consider tax implications, and adjust as your goals and circumstances change.

At SFA Wealth, we help you look at the bigger picture and build a retirement strategy around what matters to you.

Ready to talk about your retirement income plan? Connect with our team.

09/19/2026

09/17/2026

Across generations, the message is clear: people value the protection and peace of mind life insurance can provide.

We believe life insurance can be an important part of a strong financial plan, no matter your age or stage of life. Reach out to our team to start the conversation.