96. What You Need to Know About Life Insurance With Neil Himmelstein

November 23, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Life Insurance, Life Insurance Policies, Main Street Planning Group, Neil Himmelstein, Planning, Retire Rightretireright

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Life insurance should be customized to you and your needs. As such, your planning professional should provide you with multiple options for insurance that will fit your lifestyle and unique circumstances.

In this episode, Larry Heller interviews Neil Himmelstein, the owner of Main Street Planning Group. Neil reveals the value of customized life insurance and shares strategies and tips you can start using right away with your life insurance policy.

Neil discusses:

The reasons why people need life insurance
Identifying possible living benefits
The different types of permanent policies
Why it is important to review your policies
And more

Connect With Neil Himmelstein:

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About Our Guest:

Neil Himmelstein, is an independent wholesaler of insurance products, life disability, fixed annuities and long-term care and strategic partner to advisors across the country. Neil has a graduate degree in economics from the university of Maryland and has done postgraduate studies. He is a proud recipient of the Rudy Stegman award for outstanding achievement in leadership in the industry by long island. Neil has been involved in case design and agency management for over 20 years, specializing in high net worth programs, such as premium finance and restricted property trust and finding solutions for clients with health impairment needs.

95. HWM Strategies to Save Income Taxes on Your Investments

November 10, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Capital Gains, Cost Basis, Money, Mutual Funds, Retire Right, Tax Bracket, Taxesretireright

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It’s not what you make but what you keep. Do you know that the taxes you pay on your investments can vary?

Well then, this episode is for you!

In this information-packed episode, Larry Heller discusses diversification, taxes, and different strategies you can use to maximize your return by minimizing your taxes.

Larry discusses:

What cost basis is and how to lower your capital gains tax
How to select the proper method for reducing taxes on your mutual funds
Why it’s helpful to know what tax bracket you’re in to save you money
Why not knowing about mutual fund distributions and turnover can lead to surprise taxes

Resources:

Retire Right Podcast: 93. The Boring Investor: Why Boring Can Be Better for Investors

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94. How Climate Change Can Impact Home Insurance with Paul Wickel

October 27, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Casual Insurance, Climate Change, Heller Wealth Management, Larry Heller, Paul Wickel, Property Insurance, Remco Agency, Retire Rightretireright

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These days, climate change is a big topic everyone is talking about. But do you know what is and isn’t covered under your home insurance policy?

In this episode, Larry Heller talks with Paul Wickel, a insurance producer at Remco Agency, about the different homeowner policies available and what you might be missing in your coverage to protect yourself from expensive claims.

Paul discusses:

Who needs flood insurance––and what it does and does not cover
How to know if you have the insurance coverage for your climate
Ways insurance companies are helping homeowners
The common drawbacks for homeowners purchasing insurance
And more

Connect With Paul Wickel:

Connect With Larry Heller:

About Our Guest:

Paul Wickel is an independent insurance broker with Remco Agency on Long Island. Paul holds a number of industry related achievements and degrees and has over 37 years experience serving individuals and small businesses in the tri-state area. Paul’s specialty is working with high net worth individuals.

93. The Boring Investor: Why Boring Can Be Better for Investors

October 13, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Diversification, Funds, Investing, Investment Strategy, Retire Right, Stock Marketretireright

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Why is boring sometimes better when it comes to investing?

Find out in this episode, as Larry Heller explains why boring can be better when it comes to investing. Plus, discover how “boring” compares to the things that people typically want to talk about with investing.

Larry discusses:

Why boring can be better when creating a investment strategy
Mutual funds versus individual stocks
Benefits of being a boring investor
And more

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92. The SilverBills Solution to Bill Payment With Marci Lobel-Esrig

September 22, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Bills, Financial, Heller Wealth Management, Larry Heller, Marci Lobel-Esrig, Retire Right, SilverBills, Stressretireright

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Do you struggle with making sure your household bills are paid correctly and on time? Did you know that there are options designed to help you stay on track securely and without stress?

In this episode, Larry Heller speaks with Marci Lobel-Esrig, founder and chief executive officer of SilverBills, a concierge bill management company designed to help the elderly age with dignity and security. Marci explains the SilverBills program and how the service works to help individuals decrease their financial stress by automating the payment of their household bills.

Marci discusses:

What SilverBills is and who they serve
The cost of the service and how it works to assist the elderly with their household bills
How SilverBills can improve your financial wellbeing
And more

Connect With Marci Lobel-Esrig:

Connect With Larry Heller

About Our Guest:

Marci founded SilverBills after witnessing the challenges faced by her elderly relatives paying bills on time and correctly. As an accomplished attorney adept at solving complex issues, Marci leads the team at SilverBills which successfully developed a technology solution to the problem of paying bills accurately. Marci has been a practicing attorney for more than 20 years. For approximately 8 years until 2015, she was an in-house attorney for a well-known real estate investment company.

91. How Much Cash Should You Have in Retirement?

September 8, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Asset Allocation, Cash, Portfolio, Retire Right, Retirementretireright

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Whether you’re three years away from retirement or are in retirement now, many pre-retirees and retirees have the same question in mind: How much cash do I really need?

In this episode, Larry Heller reveals his answer to this question and shares what’s going to have a dramatic effect on your cash during your retirement planning. Plus, he discusses how to stay the course with your money so you can retire right.

Larry discusses:

The importance of knowing your annual expenses
Why Cash in a low interest rate environment
The “Sleep Factor”
And more

Resources:

“Here’s how much cash financial advisors say retirees really need, according to financial advisors” by Kate Dore CFP®

Connect With Larry Heller:

90. Inside Out Yoga: Discovering the Practice of Yoga With Authors Sandra K Schoenbart and Joanne de Simone

August 13, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Author, Benefits, Inspiration, Manifest, Peace, Retire Right, Yogaretireright

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Yoga is beneficial to both the mind and the body. Through yoga, you gain mental and physical strength, an elevated spirit, and improved balance, focus, and concentration.

This practice teaches you how to stay grounded and present in the moment, and how to let go of things that no longer serve you.

In this insightful episode, Larry Heller welcomes Sandra K Schoenbart and Joanne de Simone, authors of Inside Out Yoga. Together, they explore the benefits of yoga, the meanings of different poses, and how to execute them for ultimate peace and release of negative energy.

Sandra K Schoenbart and Joanne de Simone discuss:

Their inspiration for writing Inside Out Yoga
The purpose of including illustrations of various yoga positions and postures
Why breath is an important part of the yoga practice
Their favorite poses and how they correlate to their personality
Why they choose to incorporate a journal entry and vision board into their book
And more

Resources:

Connect With Joanne de Simone:

Email Joanne

Connect With Sandra K Schoenbart:

Connect With Larry Heller:

About Our Guests:

Sandra K Schoenbart: Sandra is a certified hot yoga instructor, actress, and host and producer of the LTV East Hampton Channel 20 talk show Café with Sandra K. She enjoys teaching yoga in private groups at places of worship and on the beach. She also loves spreading the word about the mental and physical advantages of yoga practice with all.

Joanne de Simone: Joanne is a writer, film historian, award-winning playwright, poet and former film columnist for Fire Island News. Her work has been featured in various publications, film journals and been produced in New York city festivals, and many of them may be viewed on Youtube. She currently hosts notes and notations from the writing desk on LTV East Hampton.

89. Determining the Optimal Investment Asset Allocation For Retirees

July 23, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Asset Allocation, Financial Advisors, Financial Planning, Heller Wealth Management, Investing, Investment, Investors, Market Fears, Panic Selling, Personal Finance, Portfolio, Retire Right, Retirement, StockMarket, Total Return Strategyretireright

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Asset allocation is one of the most important concepts for investors to grasp.

That’s why one of the most-asked investment questions is, “How can we achieve optimal asset allocation, particularly during retirement?”

In this episode, Larry Heller addresses some of your questions and fears about asset allocation for retirees. He provides sound advice on your investments and walks you through some of the ways Heller Wealth Management can assist you in creating a portfolio that is tailored to your specific needs.

Larry Heller discusses:

Why some of the most frequently used asset allocation rules should be avoided when constructing a portfolio
Three factors to consider when creating an optimal asset allocation portfolio
What a withdrawal is
How the Heller Wealth Management Reservoir Strategy works and how it may help you overcome panic selling and market fears
And more

Resources:

Webinars

Connect With Larry Heller

88. How to Travel in a Post-Pandemic World — With Gary Portuesi of Authentic Explorations

July 9, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#COVID-19, #Pandemic, #Podcast, Countries, Exploration, Itinerary, Luxury Travel, Retire Right, Travel, Travel Agents, Travel Consultants, Travel Insuranceretireright

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As New York gradually reopens and restrictions begin to lift, many people are wondering how soon they can resume traveling, how safe travel will actually be, and what needs to be considered before booking their next trip.

Today, Larry Heller speaks with Gary Portuesi, a travel consultant and the managing director and owner of Authentic Explorations. They discuss what travel will be like post-pandemic and how Gary’s skills and experience can help you plan your upcoming trips and adventures.

Gary Portuesi discusses:

COVID-19 procedures, requirements, and conditions in different countries
The challenges and opportunities when travelling abroad
Permanent changes to luxury travel
The benefits of working with travel professionals, consultants, and agents
How Gary creates the ideal itinerary for his clients
And more

Connect With Gary Portuesi

Email Gary
Phone: (646) 767-0089
Authentic Explorations

Connect With Larry Heller

Email Larry
Phone: (631) 293-2806
Heller Wealth Management

About Our Guest:

Gary Portuesi, managing director and owner of Authentic Explorations, fell in love with travel at an early age when he and his family made yearly trips to Italy. Spending summers in Sicily and exploring the northern, central and southern regions through the years, Gary realized that the American idea of Italy fell decidedly short of the real deal. And as he explored other countries, he found the same was true. That’s when he was struck by an idea: why not allow people to explore the authentic sides of the world?

87. Healthy Aging Tips: Food And Fitness After 50 With Author Christine Rosenbloom

June 21, 2021Financial Planning, Financial Strategies, Retire Right, Retirement, Retirement Planning#Podcast, Author, Christine Rosenbloom, Fitness, Food, Nutrition, Retire Rightretireright

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As you age, many things will change, including your health. How can you stay healthy and active so you can enjoy the retirement you’ve worked so hard to achieve?

Find out in this episode, as Larry Heller speaks with Christine Rosenbloom, President of Chris Rosenbloom Food & Wellness Services, LLC. Christine discusses the benefits of maintaining a healthy lifestyle as you age and shares her top nutrition tips and expert guidance for meeting your fitness goals.

Dr. Christine Rosenbloom discusses:

The best diets for those over 50
How our nutritional needs change as we get older
Types of exercises we should be doing as we age
Whether dietary supplements are a good idea
The importance of protein

Resources:

Connect With Christine RosenBloom

Connect With Larry Heller

About Our Guest:

Christine Rosenbloom: Dr. Rosenbloom is a nutrition consultant to the food and nutrition industries and started her consulting business after a 30-year career in academia. Her journey has led her to combine her interest in sports nutrition with academic training in gerontology to produce an award winning consumer book, Food & Fitness After 50, co-authored with exercise expert, Dr. Bob Murray. She is an active member of the Academy of Nutrition and Dietetics, at local, state and national level, where she was awarded a lifetime achievement award in 2019 for her service.