SFA Wealth Management, LLC.

09/02/2026

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

A personalized retirement income plan can help you prepare for your lifestyle needs, manage taxes, and adjust as your priorities evolve.

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

Call 615-216-1048 or visit SFAWealth.com to start the conversation.

09/01/2026

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 we help 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.

09/01/2026

When was the last time your life insurance coverage was reviewed?

September is Life Insurance Awareness Month, a good time to revisit this important part of your financial strategy. Throughout the month, we’ll share information to help you consider whether your current coverage still meets your needs.

08/31/2026

Did you know your Social Security decision could affect taxes, survivor benefits, and even your retirement cash flow?

A little planning today may help you make more informed decisions tomorrow.

Read our latest blog to learn more: https://sfawealth.com/social-security-planning-in-2026-why-your-claiming-strategy-matters/

08/28/2026

August is Black Business Month, a time to recognize the entrepreneurs, innovators, and business owners who help strengthen our communities and economy.

Supporting local businesses can make a meaningful impact while celebrating the dedication and resilience behind every success story.

If you're a business owner, now is a great time to take a fresh look at your financial strategy - schedule a conversation today: https://sfawealth.com/contact-us/

08/26/2026

When it comes to Social Security, timing matters. The age you choose to start benefits can impact your income for the rest of your life.

A personalized strategy can help you decide when and how to claim to support your long-term goals.

If you’re within 5 years of retirement, now’s the time to start the conversation: https://sfawealth.com/

Holistic financial strategies tailored to your goals.

08/24/2026

Claiming Social Security at 62 isn't always the right move—and waiting until 70 isn't automatically the best choice either.

The key is understanding how your decision fits into your overall retirement income plan.

Our newest blog explains what every future retiree should know: https://sfawealth.com/social-security-planning-in-2026-why-your-claiming-strategy-matters/

08/21/2026

Wellness isn’t just about exercise and nutrition — it’s also about feeling confident in your financial direction. National Wellness Month is the perfect time to check in on all aspects of your life, from your daily habits to your long-term goals.

Take a moment this month to give your finances the same care you give your health: https://sfawealth.com/contact-us/

(615) 216-1048

08/19/2026

Social Security isn’t “one-size-fits-all.” The best time to claim benefits isn’t always the same for everyone.

Coordinating your Social Security with your retirement income plan can help you optimize benefits for your unique situation.

Start with the facts, then build the plan that works for you — reach out to explore your options: https://sfawealth.com/services/

We are a trust based and family-focused wealth management firm, meaning we believe that an authentic and genuine life-long relationship begins on a solid

08/18/2026

Social Security Insolvency Now Projected for 2032!

🚨 Social Security is facing a major deadline.
A new Trustee's report projects the trust fund could be depleted by 2032… which may mean benefit cuts of up to 22%. 📉
So what does that actually mean for you?

In this conversation, Larry Roby and Erin Kennedy break down:

👉 Is Social Security really “going away”?
👉 Should you claim early at 62?
👉 What changes could be coming from Washington
👉 How to plan now so you’re not caught off guard

The bottom line: Social Security isn’t disappearing, but relying on it alone could leave a gap in your retirement income. To understand what’s ahead, and how to prepare, give us a call at 615-216-1048 or visit www.SFAWealth.com