Category: Financial Strategies

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Don’t Fall for These Common Misconceptions About Medicaid (Ep. 30)

Don’t Fall for These Common Misconceptions About Medicaid (Ep. 30)

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Do you know the difference between Medicare and Medicaid?

Today, Larry Heller breaks down common misconceptions with the help of Kevin Condon, a lawyer who specializes in elder law estate and long-term care planning.

To help listeners understand the inner workings of Medicaid, Larry and Kevin explain how it differs from Medicare. Then they clear up misconceptions they’ve both encountered with clients, including the belief that you can’t ever qualify for Medicaid if you have too many assets, or that your assets are protected from Medicaid in a revocable trust.

Kevin also outlines why it’s important to plan and protect your assets, even if you don’t think you need to plan for Medicaid. He also discusses the best age to start preparing.

Tune in today for an information-packed episode of helpful tips that will help you better prepare for your retirement.

Resources:

Heller Wealth Management | Grenier, Humes & Nolan, LLP | Kevin Condon: 631-694-2626 or kcondon@ghnlawgroup.com

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Divorce: What happens to Your Retirement Accounts? (Ep. 21)

Divorce: What happens to Your Retirement Accounts? (Ep. 21)

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On today’s podcast, Larry Heller brings on a guest to discuss the financial considerations that go along with divorcing later on in life.

Who better to discuss this topic with than Gayle Rosenblum, an award-winning matrimonial and family law attorney of Rubin and Rosenblum, PLLC.

In this episode, Gayle and Larry explore the special challenges that older adults face when they’re going through a divorce.

Gayle explains how retirement accounts and assets, like a shared business, can be divvied up between spouses who are divorcing. Gayle also addresses how a divorce can impact Social Security benefits, health insurance, and life insurance.

Tune in and gain some expert advice on the financial side of a golden-year divorce.

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Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management |

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Strategies To Minimize Income Taxes On Investments (Ep. 20)

Strategies To Minimize Income Taxes On Investments (Ep. 20)

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Do you want to put more money in your pocket after taxes?  When planning for retirement it is not only wise to include an investment strategy, it is also good to implement strategies to minimize income taxes on that investment strategy.  It is time to take a look at what your taxes are and how they affect your investments.

Learn more in this episode as I take you through some strategies on how to minimize taxes on your investments.

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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Does Your Advisor Do This? Strategies to Optimize After a Tax Return (Ep. 13)

Does Your Advisor Do This? Strategies to Optimize After a Tax Return (Ep. 13)

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While it’s valuable to build wealth, it’s also equally important to keep your money. Taxes are one of the key things that we should account for in doing so. The more you can save on taxes, the more money you can potentially earn. It’s important for your financial advisor to look at all strategies available to help optimize tax and ensure you’re keeping most of your money intact.

Learn more about tax optimization in this podcast:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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The Social Security Conundrum Part 4: Divorcees and Widows / Coordinating Benefits with Other Assets and Income Streams (Ep. 12)

The Social Security Conundrum Part 4: Divorcees and Widows / Coordinating Benefits with Other Assets and Income Streams (Ep. 12)

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Survivor and Divorce benefit options are one of the largest aspects of Social Security that most people do not understand.  Those who are eligible for the benefits may miss out on a lot of value, as they are not aware of the benefits and what they are entitled to. Larry shares more on understanding the benefits and how to efficiently maximize your Social Security.

Learn more about the Social Security conundrum series in this podcast:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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The Social Security Conundrum – Part 3: Innovative Ways to Coordinate Benefits with Your Spouse (Ep. 11)

The Social Security Conundrum – Part 3: Innovative Ways to Coordinate Benefits with Your Spouse (Ep. 11)

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Maybe you’re planning to apply for Social Security today, a year from now, or 10 years from now. Will you and your spouse know how to maximize its potential benefits? There’s a lot to know, but Larry spells it all out in his latest podcast.

Listen in as Larry explains innovative ways that you can coordinate Social Security benefits with your spouse:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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The Social Security Conundrum – Part 2: When Should I Apply for Social Security? (Ep. 10)

The Social Security Conundrum – Part 2: When Should I Apply for Social Security? (Ep. 10)

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Many people make mistakes when determining the best time to start taking their social security. Everyone is different, which makes every situation is unique. There isn’t one clear strategy that fits everyone’s needs. In this podcast, Larry shares the primary five factors you need to consider while deciding when to start taking your social security.

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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The Social Security Conundrum – Part 1 (Ep. 9)

The Social Security Conundrum – Part 1 (Ep. 9)

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In this podcast, Larry shares insight on the Social Security benefits to help clear up the misunderstandings people commonly have.  This four-part series will help you understand the ins and outs of Social Security, including eligibility, when to collect, and what to collect.

Learn more about Social Security in this podcast with Larry Heller, as he discusses the first part of the four-part series:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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How Much Can I Spend In Retirement? – 4 Questions (Ep. 8)

How Much Can I Spend In Retirement? – 4 Questions (Ep. 8)

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In this podcast, Larry Heller shares the biggest question people ask when nearing retirement: “How much money can I spend?” Most people don’t even know the amount they spend currently, and in order to determine what they can spend in retirement, they need to know their current expenses.

Here are 4 questions that need to be answered to determine what you can spend in retirement:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management

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The 7 Biggest Concerns Clients Have When Preparing for Retirement (Ep. 7)

The 7 Biggest Concerns Clients Have When Preparing for Retirement (Ep. 7)

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Larry shares more about the concerns clients have when preparing for retirement. Over the years, financial professionals have met with hundreds of clients, and for the most part, they have similar concerns. In fact, there are seven concerns that stand out from the rest, as they are the main points people looking to retire are most worried about.

Learn more about the seven biggest concerns clients have when preparing for retirement in this podcast:

Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management