Category: Life Unlimited

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Current Stock Market Valuation: Are You Worried? Here’s What to Do (Ep. 53)

Current Stock Market Valuation: Are You Worried? Here’s What to Do (Ep. 53)

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We’re hitting all-time highs in all of the indexes, which means the market’s valuations are high. As an investor, you might be asking yourself, “Where do I go from here?”

In this episode, Larry Heller talks about the urge many investors are having to get out of the market and “go back in after a correction”— a plan that has all the hallmarks of

trying to time the market. Listen to this timely conversation as Larry uncovers what you should know about the current state of the market and what to do when it eventually drops. 

In this episode, you’ll learn:

  • Why investors think they should try timing the market
  • Whether investment advisors can truly predict the market
  • Ways investors are impacted emotionally by the market’s ups and downs 
  • Eight actions to take during this current market valuation
  • Four things to do when the market eventually drops
  • And more!

Tune in now to discover what to do (and not do) during this current stock market valuation!

Resources:  Heller Wealth Management  

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Municipal Bonds: How, When, and Why to Use Them in Your Investment Portfolio — With Jason Stuck of Northern Capital (Ep. 52)

Municipal Bonds: How, When, and Why to Use Them in Your Investment Portfolio — With Jason Stuck of Northern Capital (Ep. 52)

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The Fed Reserve recently lowered interest rates, making now a good time to gain a better understanding of municipal bonds and how interest rates affect these types of investments.

Today, Jason Stuck is here to expound on this often-misunderstood type of bond. As the managing director and head of portfolio management at Northern Capital, Jason brings a high level of expertise to this episode as he and Larry answer the top questions about municipal bonds and explain what the yield curve means for investors.

In this episode, you’ll learn:

  • Bond basics, like the difference between the coupon rate and the yield to maturity
  • What a call feature is and why it’s important to know if your bond has one
  • What premium bonds are
  • What the yield curve inversion is and why it matters to investors
  • How a bond ladder compares to other strategies in portfolio construction
  • And more!

Tune in now to get an education on municipal bonds in under 30 minutes!

Resources:  Heller Wealth Management 

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Here’s What You Need to Know About Your Credit in Retirement — With Guest, Leslie H. Tayne (Ep. 51)

Here’s What You Need to Know About Your Credit in Retirement — With Guest, Leslie H. Tayne (Ep. 51)

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During your retirement, you might want to obtain different types of financial products that require credit. Because of this, it’s important to maintain and manage your credit throughout your retirement.

Here to walk you through the importance of credit during retirement is Leslie H. Tayne, an award-winning financial attorney with over 20 years of experience in consumer and business financial debt solutions. Leslie is also the founder and managing director of Tayne Law Group, P.C., a law firm headquartered in New York. In this episode, Larry and Leslie discuss everything from maintaining good credit during retirement, to how often retirees should check their credit score.

In this episode, you’ll learn:

  • Why credit is important in retirement
  • Whether being retired damages your credit score
  • Which money moves can affect your credit rating in retirement
  • Ways to keep your credit in shape once you retire
  • Top tips on how to best use credit cards in retirement
  • And more!

Tune in now to learn everything you need to know about your credit during retirement!

Resources: Heller Wealth Management | Tayne Law Group, P.C.: 631-470-8204 | info@taynelaw.com

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Looking Back: Celebrating 50 Episodes of the Retire Right Podcast! (Ep. 50)

Looking Back: Celebrating 50 Episodes of the Retire Right Podcast! (Ep. 50)

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Fifty of anything is an amazing milestone to reach, isn’t it? We believe that hitting episode 50 of our Retire Right Podcast calls for a celebration!

In this episode, Larry Heller reminisces as he shares his most memorable moments over the past 2+ years of hosting the Retire Right Podcast. We guarantee that this feel-good conversation will have you checking out and revisiting previous episodes!

In this episode, you’ll learn:

  • About the personal journey that Larry has taken to reach this point in his career
  • Which episodes are Larry’s favorites (you might be surprised!) 
  • What he enjoys most about growing Heller Wealth Management
  • And so much more!

Tune in to celebrate the 50th-episode milestone with Larry Heller, CFP® and the Heller Wealth Management team!

Resources:  Heller Wealth Management | Retire Right Book

 

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401(k) Plans: What You Need to Know About a Third Party Administrator (TPA) — With Doug Hoefer (Ep. 49)

401(k) Plans: What You Need to Know About a Third Party Administrator (TPA) — With Doug Hoefer (Ep. 49)

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As a business owner, do you understand the core elements of your company’s retirement plan and what a third-party administrator (TPA) can bring to the table?

Today’s guest, Doug Hoefer, is here to answer your questions. Doug has over 20 years of experience in the retirement planning industry and has worked with Larry on several 401(k)s. In this episode, Doug makes sense of TPAs, including what they do and how they bring value to the retirement planning process.

In this episode, you’ll learn:

  • What the function of a TPA is
  • The certification a TPA can obtain
  • The differences between bundled service providers and unbundled service providers
  • How TPAs provide value when designing plans 
  • The responsibilities of plan sponsors
  • And more!

Tune in now to learn all about TPAs and how they can enhance your company’s retirement planning!

Resources:  Heller Wealth Management | DWC The 401k Experts: (651) 204-2600

 

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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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Everything You Didn’t Know About Long-Term Care with Guest Rona Loshak (Ep. 41)

Everything You Didn’t Know About Long-Term Care with Guest Rona Loshak (Ep. 41)

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The longer you live, the more likely you are to need long-term care. In fact, once you reach 80 years old, there’s an 80% chance that you will need it.

Whether you’re thinking about your own long-term care or care for your parents, this is the episode for you. Larry Heller speaks with guest Rona Loshak, an award-winning specialist in long-term-care insurance, to give you all of the information you need to make the right decisions for you and your family.

In this episode, you’ll learn:

    • What misconceptions keep people from creating realistic plans

 

    • Whether you can get plans from another state

 

    • The four categories of people who are more likely to need long-term care

 

    • Whether long-term care is covered by Medicare

 

    • How to qualify for long-term-care insurance

 

    And more!

Tune in now and get your long-term-care questions answered!

Resources:  Heller Wealth Management | Karp Loshak LTC Insurance Solutions

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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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Estate Planning in Second Marriages — With Guest Steven Adler (Ep. 39)

Estate Planning in Second Marriages — With Guest Steven Adler (Ep. 39)

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Are you in your second marriage and wondering how to cover all the bases in your estate plan?

Today, Larry Heller speaks with guest, Steven Adler, about estate planning issues faced by couples in their second marriage and how to solve them.

In this episode, you’ll learn:

    • The most common estate planning issues couples face in second marriages

 

    • How couples may benefit from including a trust in their estate plan

 

    • What tasks newlyweds in a second marriage should address early on

 

    • The difference between a will and a beneficiary

 

    • Different ways to handle situations where one spouse brings more assets to the marriage or is significantly older than the other spouse

 

    And more!

Tune in and find out what you need to know about estate planning in a second marriage!

Resources:  Heller Wealth Management | Law Offices of Steven M. Adler, PLLC

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Everything You Need to Know About Traffic Tickets in New York — with Guest Michael Block (Ep. 38)

Everything You Need to Know About Traffic Tickets in New York — with Guest Michael Block (Ep. 38)

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What should you do if you get a speeding ticket in New York? Ever wonder how to use your GPS device without getting a ticket? These are some of the big questions Larry Heller answers today with the help of his guest, Michael Block, traffic ticket attorney. Michael explains how to avoid getting ticketed (with a special focus on the all-too-common cell phone tickets), actions to take if you do get ticketed, and what actually happens if the police officer doesn’t show up to court for your traffic trial.

In this episode, you’ll also learn:

    • What’s likely to happen after you accumulate 11 points

 

    • What to consider when deciding if you’ll represent yourself in court

 

    • The hidden costs of getting a ticket: Insurance increases and driver assessments

 

    • What is considered to be “improper use of a cell phone” while driving

 

    • How to use your GPS device without getting a ticket

 

    And more!

Tune in now and learn everything you need to know about getting traffic tickets in NY!

Resources:  Heller Wealth Management | Michael Block: Traffic Ticket Attorney