Category: Retirement

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Bonds: The Underrated Investment Vehicle (Ep. 32)

Bonds: The Underrated Investment Vehicle (Ep. 32)

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When people invest, they often forget about bonds and invest solely in stocks. Why is that?

Perhaps most people simply don’t have enough information; Larry Heller has met several clients who didn’t know what bonds were, let alone the advantages of investing in them. If lack of knowledge is the issue, Larry is here to fill the gap.

In this episode, you’ll learn:

    • How bonds work as an investment vehicle

 

    • Different types of bonds and which ones might be suitable for you

 

    • The characteristics of bonds

 

    • How to purchase bonds

 

    • How to assess the potential for risk before purchasing a bond

 

    • The difference between taxable and tax-free bonds

 

    How and why you should use bonds

Tune in today to learn more about bonds, the underrated investment vehicle!

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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10 Ways You Can Improve Your Investment Experience (Ep. 29)

10 Ways You Can Improve Your Investment Experience (Ep. 29)

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Investing can feel stressful when it seems like people we know and media are constantly making predictions about the market. Who can you trust? What information is actually going to help you invest wisely?

Larry Heller is hoping to bring clarity to your investment experience in this episode. By tuning in, you’ll learn 10 guidelines, which includes resisting the urge to outguess the market and practicing smart diversification.

Join Larry as he shares valuable insight backed by scientific data, to help you invest with ease.

Heller Wealth Management – https://hellerwealthmanagement.com/

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Five Ways to Optimize Your Finances in the Middle of the Year (Ep. 27)

Five Ways to Optimize Your Finances in the Middle of the Year (Ep. 27)

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Have you checked up on your personal finances lately?

In this episode of the Retire Right Podcast, Larry Heller provides an in-depth look at the five financial areas to check at the mid-year mark. From making adjustments after a salary increase, to making the most of the new tax law, Larry covers everything you need to know to ensure your finances are working for you.

Listen now as Larry gives you complete financial advice to help you stay on track for 2018 and beyond.

Heller Wealth Management: https://hellerwealthmanagement.com

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Why Baby Boomers Need to Consider Life Care Management —with Guest, Dan Goldberg (Ep. 26)

Why Baby Boomers Need to Consider Life Care Management —with Guest, Dan Goldberg (Ep. 26)

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In this episode, Larry Heller speaks with Dan Goldberg to discuss what life care managers are and why you should consider hiring one.

Dan Goldberg is the president and managing director of IKOR of the North Shore Long Island, a life care management company for seniors and individuals with disabilities.

With our aging population, it’s more important than ever to consider how you will get the best care for our loved ones when they have special needs or medical issues.

Tune in as Larry and Dan discuss the role of a life care manager, housing options for older adults, along with common misconceptions around how Medicare works.

IKOR of North Shore Long Island | IKOR Global | Heller Wealth Management

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What Will You Do with Your Home During Retirement? (Ep. 23)

What Will You Do with Your Home During Retirement? (Ep. 23)

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Today, Larry Heller and Matt Halloran discuss housing and financial strategies for retirees. Since your house is a significant asset, it’s important to consider what you’d like to do with your home once you retire.

Will you stay in your home for a period of time or move right away? Will you convert your home equity line to a traditional mortgage? Which financing options are suitable for retirees who will carry a mortgage? These are only a few of the questions that Larry answers in this episode.

Join Larry as he expertly guides you through various options. Complete financial advice equals complete peace of mind.

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

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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.

Website | LinkedIn | Facebook

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