Year-end tax season doesn’t have to catch you off guard. With the latest tax law updates now in effect, there are new windows of opportunity, but also new limitations, especially for high-income earners and business owners. In this episode, Larry Heller, CFP®, CDFA®, sits down with Jonathan Niyazov, CPA, to unpack how the 2025 tax …
When love finds you later in life, what happens to your legacy? With over 1,300 stepfamilies forming every day, later-in-life relationships are more common than ever, but so are the financial complexities that come with them. Whether you’re remarrying, cohabiting, or just exploring the next chapter, decisions around Social Security, estate planning, asset titling, and …
Planning for the future isn’t just about what you leave behind; it’s also about how you live today. Yet far too many retirees assume that a simple will is enough to protect their assets, their wishes, and their loved ones. In reality, effective estate planning involves proactive decisions, coordinated professionals, and a clear vision for …
Roth conversions may be one of the most overlooked tax planning opportunities in retirement, and the cost of waiting could be staggering. With recent legislative changes, longer life expectancies, and compressed inheritance timelines for your heirs, it’s never been more important to get this right. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, …
You’ve built a business with care, grit, and vision. But what happens when the finish line is in sight and you realize you’re not ready to cross it? For business owners nearing retirement, the decision to sell is about far more than spreadsheets and valuations. It’s personal. It’s strategic. And it can be overwhelming. In …
What seems like a small business decision, choosing between a SIMPLE IRA and a 401(k), can quietly shape everything from your personal retirement strategy to your firm’s employee retention. The truth? It’s not just about cost. It’s about control, flexibility, and future-proofing your business and your finances. Whether you’re a solo entrepreneur or managing a …
How can you give more to the causes you care about while keeping more of your hard-earned money? Charitable giving isn’t just a personal act of generosity; it’s also a strategic financial opportunity. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with philanthropy professional Joshua Chadajo, CEO of JEC Philanthropy, to …
Your 401(k) could be your largest retirement asset, but are you making the most of it? In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, shares the essential steps to take with your 401(k) as you approach retirement. From rollover decisions and Roth conversions to income generation and estate planning, Larry covers the strategies …
Think you’ve done everything right for retirement? One overlooked tax detail could cost you thousands. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, welcomes Rob Premselaar, CPA and founder of Premselaar CPA LLC, to shed light on the hidden tax pitfalls that can derail even the most carefully crafted retirement plans. They explore …
Are you holding too much, or too little cash in retirement? Finding the right amount of cash to keep on hand is one of the most important decisions you’ll make when creating a retirement income strategy. The wrong decision could lead to stress, missed growth opportunities, or even long-term financial instability. In this episode of …