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The SECURE Act has changed the way beneficiaries inherit money from IRAs. If you’re a beneficiary, or are trying to set up your beneficiary for success, what does this change mean for you? 

Find out in this episode as Larry Heller discusses the new changes to inherited IRAs. He highlights what will happen if you fail to plan around the new IRA rules and reveals what you can do to start planning around these changes today! 

In this episode, you will learn: 

• How the SECURE Act has changed inherited IRAs
• 3 exceptions to the changes in the SECURE Act  
• Alternative planning strategies
• And more!

Listen in to learn how these new restrictions could affect you and your inherited IRA!

Resources:  Heller Wealth Management: (631) 293-2806 | Email Larry

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The start of a new year provides the opportunity to sit down and reflect on the lessons we’ve learned over the past 12 months. 

Join Larry Heller as he reflects on 2020 and shares the top four lessons he’s learned along the way. Larry also reveals how you can apply these takeaways to the challenges you may face in 2021. 

In this episode, you will learn: 

• How to plan for the unexpected 
• Why you should be grateful for what you have
• The significance of asking for and offering help 
• And more!

Tune in now to discover the lessons 2020 taught us that can guide you through this year! 

Resources:  Heller Wealth Management: (631) 293-2806 | Email Larry

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Insurance is an ever-changing industry. As a business owner, is it possible that you’re compromising coverage in order to pay the lowest price? Or, perhaps you’re lacking proper coverage without even realizing it. 

Today, Ron Rugolo, vice president of Bradley & Parker, joins Larry Heller to discuss the top oversights that business owners tend to make when choosing a commercial insurance provider. Get ready for an information-packed episode that will help you make the best decision possible for your business.

You will learn: 

• Three important coverages that business owners are not required by law or contract to have
• How to deal with cyber security attacks and ransoms 
• Why price isn’t the main factor to consider when shopping for commercial insurance
• What type of industries are best candidates when it comes to the view of their insurance policy 
• And more!

Listen now to learn more about commercial insurance for business owners! 

Resources:  Heller Wealth Management: (631) 293-2806 | Bradley & Parker : (631) 650-4014

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Today, Larry Heller is celebrating a milestone — one that has taken us all on a journey towards a more prosperous financial future and second act of life!

In this episode, join Larry as he celebrates the release of his 75th episode of Retire Right. In honor of this milestone, Larry highlights some of the best episodes and the amazing guests he’s had thus far and gives us a glimpse at what we can expect from upcoming episodes! 

In this episode, you will learn: 

• How Larry finds his passion for educating listeners
• An overview of successful guests and topics that have been on this podcast 
• Sneak peeks of future episodes and guests coming up in 2021
• About Larry’s new podcast format and webinars 
• And more!

Join Larry today for a walk down memory lane as we celebrate the 75th episode of Retire Right!

Resources: Heller Wealth Management: (631) 293-2806  

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Thinking of selling your home during a divorce? 

We recognize that it’s not an easy process, but we are here to help! 

In this episode, Larry Heller is joined by David Perry, a licensed real estate broker and Certified Real Estate Divorce Specialist at Brown Harris Stevens. Together, Larry and David address the repercussions and new opportunities for couples who are currently going through a divorce and looking to sell their home. 

In this episode, you will learn: 

• How David started working with divorcing couples 
• How David navigates any disagreements between spouses that come up during the selling process
• Ways that divorcing couples can be better prepared to sell their home
• How COVID-19 is impacting New York’s real estate market, and how that will affect residents who are going through a divorce
• An example of why it’s critical to work with a professional who specializes in divorce when selling your home
• And more!

Tune in now to learn how to sell your home successfully during the divorce process. 

Resources:  Heller Wealth Management: (631) 293-2806 | Brown Harris Stevens | Email David Perry: (212) 588-5697 

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Do you have enough money to retire?

It’s amazing how many people actually have enough money to retire, but don’t realize it. 

Today, Larry Heller gives you complete advice on how to answer this question for yourself. He uncovers overlooked expenses that pre-retirees must factor in and teaches you how to recreate your paycheck so you can retire right. 

You will learn:

• Which expenses many retirees don’t plan for –– but should
• Which withdrawal rate tends to give people enough money for the rest of their lives
• Why people’s spending in retirement is U shaped
• How to figure out how much money you’ll need even when the market is high & interest rates are low
• And more!

Tune in now to figure out if you have enough money to retire!

Resources: Heller Wealth Management: (631) 293-2806 | Retire Right Book | Free Retirement Checklist | Episode 35: Your Retirement Paycheck

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When planning for a divorce, you’re planning for the rest of your life. Do you know how to make the best financial choices for your future?

Today, Larry Heller is joined by Rosalia Labate, a forensic financial analyst who guides people through the financial aspects of a divorce, about how to avoid common mistakes that end up costing people more money in the end and leaving them with financial regrets after their divorce.

Rosalia teaches you how to prepare for a divorce if you haven’t been involved in the finances during your marriage, the advantages of working with a forensic financial analyst before meeting with your attorney, and more in this information-packed episode. 

In this episode, you will learn:

• What mistake causes people to waste a lot of money early in the divorce process
• Why working with a forensic financial analyst –– not just an attorney –– can save you money during a divorce 
• How a business is valuated during a divorce, according to New York State law (and why the pre-marriage value of a business isn’t included)
• How to avoid the top financial mistakes that people make during a divorce 
• Must-haves when hiring a forensic financial analyst
• And more!

Tune in for proven advice on how to make the best financial choices for your future. 

Resources:  Heller Wealth Management: (631) 293-2806 | Rosalia M. Labate CPA, P.C.: (516) 996-7788

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Many people are being offered early retirement due to the global pandemic. But should you accept this offer?

In today’s episode, Larry Heller dives straight into the discussion about early retirement and factors to consider before you accept this, perhaps tempting, offer. He provides insightful and valuable information that will help you make a meaningful retirement decision.

In this episode, you will learn: 

• What to consider when you are offered early retirement
• About early retirement specifics and severance packages
• The benefits of early retirement 
• What will happen to your 401(k) plan if you retire early
• What to know about social security and tax planning during early retirement 
• And more!

Tune in now for complete advice on what to consider before retiring early! 

Resources:  Heller Wealth Management: (631) 293-2806 

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If you’ve laid off an employee that you weren’t entirely satisfied with, are you legally obligated to bring them back to work? 

Today, Larry Heller is joined by Glenn J. Franklin, managing partner of Franklin, Gringer & Cohen, P.C., to answer employment-law questions, like the one above, which are particularly relevant during COVID-19. 

Glenn gives expert advice on how employers can protect themselves against litigation. He also shares what employers need to know about the new New York State Sick Leave (NYSSL) law.

In this episode, you will learn:

• The difference between a layoff, a furlough, and termination
• Whether employees are entitled to unemployment insurance when laid off or terminated
• Whether employers are legally obligated to bring laid off employees back to work
• Why employers would spare themselves a lot of grief by following the golden rule
• The new details on NYSSL
• And more!

Tune in to learn what goes into a solid strategy that will help protect you from litigation.

Resources:  Heller Wealth Management: (631) 293-2806 | Franklin, Gringer & Cohen, P.C.: (516) 228-3131