Category: Financial Strategies

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Special Edition Episode – Introducing Larry Heller CFP®, CPA’s New Book: “Retire Right”

Special Edition Episode – Introducing Larry Heller CFP®, CPA’s New Book: “Retire Right”

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Larry Heller’s new book has hit the shelves!

In today’s episode, get a special preview of “Retire Right: Lots of People Retire Wrong. Learn How to Retire Right,” and join Larry as he discusses why this book speaks to today’s retirement landscape.

In this episode, you’ll learn:

    • How retirement has transformed to become a “second act”

 

    • The ideal time to finetune your retirement plans

 

    • Examples of people who’ve made right versus wrong retirement decisions

 

    • How Larry’s book helps readers factor inflation into their planning

 

    • Where to purchase “Retire Right”

 

    And more!

Tune in now for an exclusive inside look at Larry’s new book.

Click here to purchase your copy! (Available in both eBook and paperback)

Resources:  Heller Wealth Management | Retire Right Book

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The Top Five Errors Retirees Make (Ep. 42)

The Top Five Errors Retirees Make (Ep. 42)

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Many people believe that if they save enough money for retirement, they’re all set. But there is so much more to consider.

After spending years helping people retire right, Larry Heller is sharing the five top errors retirees make. In this episode, Larry explains why these errors are so detrimental, and most importantly, how to avoid these errors so you can enjoy your retirement.

In this episode, you’ll learn:

    • A method for tracking your expenses (if you don’t like budgeting, this method is for you!)

 

    • Which big-ticket items become unexpected expenses for retirees

 

    • Why new retirees should avoid investing too conservatively

 

    • Why chasing yield can be problematic

 

    • Incorrect social security decisions to avoid

 

    And more!

Tune in now to learn how you can dodge the top five errors retirees make so you can retire right!

Resources:  Heller Wealth Management | Episode 40: Larry’s Top 5 IRA Planning Strategies

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Larry’s Top 5 IRA Planning Strategies (Ep. 40)

Larry’s Top 5 IRA Planning Strategies (Ep. 40)

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You may be contributing regularly to an IRA, but do you have a strategy that can help boost your retirement savings?

Get ready to make better use of your IRA. In today’s episode, Larry Heller covers his top five IRA strategies: tax planning; stretching beneficiaries; doing Roth conversions; creating wealth for the next generation; and doing backdoor Roth conversions.

In this episode, you’ll learn:

    • What the differences are between a regular IRA and a Roth IRA

 

    • How age and income levels affect contribution limits

 

    • A common beneficiary oversight that you don’t want to make

 

    • Who can benefit from Roth conversions and why

 

    • How to use Larry’s top five IRA strategies

 

    And more!

Tune in now and learn IRA tips that could help you hold onto more of your money!

Resources: Heller Wealth Management

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Don’t Forget About Tax-Loss Harvesting and Tax-Gain Harvesting (Ep. 36)

Don’t Forget About Tax-Loss Harvesting and Tax-Gain Harvesting (Ep. 36)

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Your year-end tax plan isn’t complete until you’ve considered tax-loss and tax-gain harvesting. These two strategies could offer you big tax savings!

Too often, financial advisors and accountants are not proactive in exploring these tax-saving possibilities with clients, but Larry doesn’t want you to miss out. In this episode, Larry explains how you can benefit from tax-loss and tax-gain harvesting.

In this episode, you’ll learn:

    • The differences between tax-loss harvesting and tax-gain harvesting

 

    • Optimal scenarios for applying these two strategies

 

    • Examples of benefits these strategies can offer investors

 

    • The deadline for executing these strategies

 

    And more!

Tune in now to learn more about tax-loss and tax-gain harvesting and how you can benefit from them during your year-end tax planning!

Resources: Heller Wealth Management

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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