March 2026

Why Retirement Is a New Phase of Estate Planning (Ep. 196)

By Retirement Unlocked | March 18, 2026

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Retirement often changes how your wealth is structured, distributed, and taxed, potentially exposing estate planning gaps that were easy to overlook during your working years.

In this episode, Larry Heller, CFP®, CDFA®, explores why retirement is a new phase of estate planning and what families, especially those with higher net worth, should be reviewing now.

Larry discusses:

Why signed estate documents are not the finish line once you retire
How beneficiary designations can override your will
Common mistakes with outdated beneficiaries, minor children, and second marriages
Why asset titling and TOD/POD accounts must align with your estate plan
Key considerations for high-net-worth families, including New York’s estate tax cliff
The importance of revisiting trusts, executors, and family communication
And more!

Connect with Larry Heller:

Life Insurance That Works While You’re Living with Richard “Big Daddy” Salgado (Ep. 195)

By Retirement Unlocked | March 4, 2026

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Most people think life insurance is only about what happens after they are gone. But what if part of your coverage could support you during a serious health event while you are still living?

In this episode, Larry Heller, CFP®, CDFA®, sits down with Richard “Big Daddy” Salgado to explore how life insurance has evolved beyond the traditional death benefit. Drawing from his experience working with professional athletes, Rich shares how career-ending disability coverage and life insurance with living benefits are designed to protect income, earning potential, and financial stability when the unexpected happens.

Richard discusses:

The difference between traditional life insurance and policies with living benefits
How career-ending disability insurance protects future income
What health events may trigger living benefit payouts
Why policy reviews are essential as your life and finances change
Common misconceptions about life insurance and protection planning
And more!

Connect with Richard “Big Daddy” Salgado:

Connect with Larry Heller:

About Our Guest: Richard “Big Daddy” Salgado is an insurance professional with more than 25 years of experience specializing in career-ending disability coverage and life insurance with living benefits. He has worked extensively with professional athletes, helping them protect future earnings and financial stability in the event of injury or serious health challenges. Rich focuses on education-first conversations, policy reviews, and ensuring clients understand how protection planning fits into their broader financial picture.