Monthly Archives: July 2020


Episode 66 – 6 Savings Strategies for an Extremely Low-Yield Environment

If you’re approaching retirement or already retired, what can you do about low yields? 

After all, in today’s remarkably low-yield environment, you can’t earn enough on yields to even stay ahead of inflation. 

Current interest rates for a 10-year treasury are less than 1%. And cash in the bank is getting just about 0%.

In this episode, Larry Heller proves that there are several smart moves you can make to lower your expenses and increase your net cash flow and net returns –– even during a low-yield environment. 

In this episode, you will learn:

  • How to increase your social security benefit by 8% a year
  • What financial move will give you a guaranteed rate of return
  • How to weigh the possible risks and rewards when considering higher-yield investments
  • Why you may want to look into bond laddering
  • How to look beyond your income strategy to increase your returns in a low-interest rate, low-yield index
  • And more!

Tune in now to learn 6 ways to help increase your net cash flow and net returns in our current low-yield environment.

Resources:  Heller Wealth Management: (631) 293-2806 | Episode 9 – The Social Security Conundrum: Part 1  | Episode 32 – Bonds: The Underrated Investment Vehicle


Episode 65 – How to Have a Pain-Free Audit of Your Company 401(k) Plan

Did you know that there are steps you can take right now to prepare your company for a smooth 401(k) audit?

In this episode, Larry Heller is joined by Robert Puerto, a CPA and partner at Boris Benic and Associates LLP. With over 20 years of experience in managing multiple audits and review engagements in various industries, Robert shares his experience to help you prepare for a smooth audit as an employer.

In this episode, you will learn:

  • Two exceptions to the audit rule
  • Which plans are and aren’t covered by ERISA
  • How the ERISA audit intersects with annual filing requirements
  • How third party administrators (TPAs) assist with audits
  • What information auditors need from employers (that they can’t get from service providers)
  • Recommendations to help you have a smooth audit
  • And more!

Tune in now to start your preparations for a pain-free audit!

Resources:  Heller Wealth Management: (631) 293-2806 | Robert Puerto’s Email: (516) 248-7361