Month: January 2025

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Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

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Do you know the smartest way to manage your withdrawals in retirement?

In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency. 

Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth management. The episode explores the benefits of Roth conversions, the impact of the Secure 2.0 Act, and critical topics such as the widow penalty, annuities, and estate planning, all supported by real client insights.

Whether you’re approaching retirement or already retired, this episode offers practical tips to help you minimize taxes, optimize withdrawals, and protect your wealth and legacy. Don’t miss this valuable guide to mastering your retirement finances!

Key episode discussions include:

  • Strategic tax planning to minimize taxes before the distribution phase
  • Understanding different income streams like Social Security, pensions, and retirement accounts 
  • Real client scenarios illustrating the impact of effective and missed strategies
  • The effects of federal and state estate taxes, plus planning for longevity
  • Integrating attorneys and other professionals for a holistic financial plan 
  • And more!

Resources: 

Connect with Larry Heller: 

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Legal Recruiting Trends: Attract and Retain Top Talent with Shari Davidson [Ep. 168]

Legal Recruiting Trends: Attract and Retain Top Talent with Shari Davidson [Ep. 168]

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The legal industry is evolving, and law firms are facing unprecedented challenges in recruiting and retaining top talent. In this episode of Life Unlimited, Larry Heller, CFP®, CDFA®, sits down with Shari Davidson, founder and president of On Balance Search Consultants, to explore the shifting dynamics of legal recruiting and career transitions.

Shari brings over two decades of experience in legal search consulting, offering valuable insights into pressing issues like the ongoing talent shortage, succession planning, and the challenges smaller firms face in staying competitive.

Discover how clear communication, firm culture, and leadership impact career success, and gain actionable tips on navigating mergers, acquisitions, and career transitions in today’s legal landscape.

If you’re a law firm leader or a legal professional seeking to future-proof your career, this episode is packed with must-hear advice to help you thrive in a rapidly changing industry.

Key episode discussions include:

  • The nationwide talent shortage and its roots
  • Challenges in succession planning for law firms
  • The culture clash and its impact on legal firms
  • Advice for attorneys considering retirement or career transitions
  • And more!

Resources: 

Connect with Shari Davidson:

Connect with Larry Heller: 

About Our Guest:

Shari Davidson is the founder of On Balance Search Consultants LLC & On-Balance Life Centers.

On Balance Search Consultants is a boutique search firm that specializes in finding top talent in the legal community. Shari has placed lateral partner attorneys, as well as group acquisitions and law firm mergers, and has assisted her clients in recruiting lateral associates, paralegals, and legal secretarial positions.