When your wealth reaches tens of millions of dollars, even one financial decision can affect your taxes, investments, estate plan, and family’s future. How do you make sure every part of your financial strategy is working together to protect what you’ve built? In this episode of Retirement Unlocked, host Larry Heller, CFP®, CDFA®, kicks off …
Are you approaching retirement and wondering whether paying taxes on your IRA now through a Roth conversion could help reduce your future tax bill? A Roth conversion can be an important part of retirement tax planning, but there’s no single approach that works for everyone. The timing, amount you convert, current and future tax brackets, …
Watching a stock or business grow substantially can feel rewarding, until you start thinking about the tax bill that could come with selling it. For investors with appreciated stock, multiple account types, or proceeds from a major sale, investment decisions and tax decisions can quickly become intertwined. In this episode, Larry Heller, CFP®, CDFA®, speaks …
Are you approaching retirement and wondering whether your investments, spending, taxes, estate plan, and future goals are all working together? A retirement plan should do more than track portfolio performance. It should help you understand how your money can support the lifestyle you want, while accounting for income needs, taxes, market risk, family priorities, and …
How do you sell a trade business and turn decades of work into retirement income? If you’re a contractor, electrician, plumber, landscaper, HVAC professional, or another skilled-trade owner thinking about retirement, the decisions you make before the sale may affect what your business is worth, how much you keep after taxes, and how the proceeds …
Are you approaching retirement and wondering whether your spending, investments, taxes, insurance, estate plan, and retirement lifestyle are all working together? A retirement plan should do more than help you reach a savings goal. It should support the life you want while preparing for changing markets, rising costs, healthcare needs, and a retirement that could …
A lot of people think their estate planning is complete once the legal documents are signed. But for retirees and families with complex assets, those documents may not be enough if trusts, beneficiary designations, account ownership, and tax planning aren’t coordinated. In this episode, Larry Heller, CFP®, CDFA®, speaks with Dominick J. Parillo, JD, CFP®, …
What should you do after selling your business? Closing the deal is a major milestone, but it’s only the beginning of a new chapter. Without a thoughtful plan, emotional decisions, tax surprises, and a lack of direction can undermine the financial freedom you’ve worked so hard to achieve. In this episode, Larry Heller, CFP®, CDFA®, …
Retirement today looks very different than it did even a decade ago. Managing your finances, protecting your identity, staying connected with family, accessing healthcare, and preserving your legacy are all becoming increasingly digital. While these advancements offer greater convenience and flexibility, they also introduce new risks that deserve careful planning. In this episode of Retirement …
Many retirees wonder whether they can safely spend more money in retirement without jeopardizing their future. Questions about retirement income, withdrawal rates, market volatility, healthcare expenses, and the fear of running out of money often prevent retirees from enjoying the wealth they’ve accumulated. In this episode, Larry Heller, CFP®, CDFA®, discusses the often-overlooked challenge of …