Secure Financial Management

10/14/2026

Medicare Open Enrollment starts October 15. 🩺

Before choosing a plan based on the monthly premium alone, consider a better question:

“Will this plan actually work for me next year?”

A plan can change its drug coverage, pharmacy costs, provider network, copays, prior-authorization rules, and other out-of-pocket expenses from one year to the next.

As you compare options, consider:

• Your prescriptions and preferred pharmacy
• Your doctors and specialists
• Total annual costs—not just the premium
• Any Medigap implications before dropping coverage

Open Enrollment runs October 15 through December 7, with changes generally taking effect January 1, 2027.
👉 https://sfmplanning.com/medicare-open-enrollment-2026-checklist/

What would you check first: prescriptions, doctors, or total cost?

10/14/2026

What’s something you once thought was completely unnecessary—but now you’d absolutely buy again?

Maybe it was a great mattress, an air fryer, comfortable shoes, a robot vacuum, a better lawn tool, a recliner, or grocery delivery.

That thing you originally looked at and thought:

“Who actually needs this?”

Apparently… you did.

What won you over?

10/13/2026

Everybody has at least one strangely specific talent.

Maybe you can fold a fitted sheet perfectly.
Parallel park on the first try.
Pack a car trunk like a game of Tetris.
Guess the grocery bill before the cashier finishes.
Fix almost anything with whatever happens to be in the garage.
Or remember every birthday in the family.

What’s your oddly specific talent?

The more random, the better.

10/12/2026

😀 33 years at USAA — congratulations to Cynthia Bradley on a well-earned retirement. Enjoy what’s next! 🎉

Secure Financial Management is an independent financial services firm servicing San Antonio. We’re ready to bring a professional, straightforward approach to your retirement plan.

10/11/2026

Life can get busy—even when work isn’t running the calendar anymore.

What is one part of your week you try really hard not to cancel?

Sunday dinner?
A morning walk?
Lunch with a friend?
Church?
Date night?
Time with the grandkids?
A hobby?
An hour completely to yourself?

Not because you have to do it.

Because the week simply feels better when you do.

What’s the one thing you protect on your calendar?

10/11/2026

Find the oldest thing you still regularly use.

Not the oldest thing you own—something that is still earning its keep.

Maybe it’s a kitchen pan, a tool, a watch, a sewing machine, a piece of furniture, a car, a recipe card, or something handed down through the family.

How old is it, and why haven’t you replaced it?

We have a feeling there are some great stories hiding in people’s homes.

10/10/2026

Convenience is great.

But some things are still completely worth the extra effort.

Driving across town for your favorite restaurant.
Cooking a family recipe from scratch.
Hosting everyone at your house.
Taking the scenic route.
Going to a live show instead of watching from home.
Growing something you could easily buy at the store.

What is still worth the hassle to you?

10/09/2026

San Antonio has a soundtrack.

And on Saturday, October 10, plenty of it will be playing along the River Walk at the Mariachi Festival at Arneson River Theatre.

But here’s the real question:

What song, artist, or style of music instantly makes San Antonio feel like home to you?

The kind where you hear the first few notes and immediately know where you are.

What’s yours?

10/09/2026

📅 With the final quarter of the year underway, now is a great time to make sure you're ending the year as strong as you started it.

Year-end planning can help retirees and those nearing retirement stay on track with their financial goals, review their income strategy, and prepare for the year ahead with confidence.

If it's been a while since you've reviewed your strategy, now may be a good time to schedule a conversation with a trusted financial professional.

A little planning today may help set the stage for a smoother tomorrow.

10/09/2026

Giving to charity from an IRA? The route matters.

A Qualified Charitable Distribution, or QCD, may allow eligible IRA owners to send money directly to an eligible charity and exclude that amount from federal gross income.

It can also count toward an RMD when the rules are met.

So what would you want explained first?

A. Age 70½
B. RMD rules
C. Which charities qualify
D. How the money has to be sent

We broke down the 2026 rules here:
👉 https://sfmplanning.com/qualified-charitable-distributions-qcd-rules-2026/

A, B, C, or D?