Financial Planning – Page 3

What Business Owners Need to Know About Their Commercial Insurance Coverage –– With Ron Rugolo (Ep. 76)

By Life Unlimited | January 5, 2021

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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

Celebrating 75 Episodes of Retire Right (Ep. 75)

By Life Unlimited | December 23, 2020

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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

Selling Your Home During a Divorce? Here’s What Couples Need To Know –– With David Perry (Ep. 74)

By Life Unlimited | December 9, 2020

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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

“Do I Have Enough Money To Retire?” Here Are the Best Ways To Figure This Out! (Ep. 73)

By Life Unlimited | November 20, 2020

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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

Money-Saving Advice People Wish They’d Known During Their Divorce –– With Rosalia Labate (Ep. 72)

By Life Unlimited | November 6, 2020

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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

Things To Consider if You’re Offered an Early Retirement (Ep. 71)

By Life Unlimited | October 29, 2020

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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

Avoid Litigation: A Must-Have Strategy for Employers –– With Glenn J. Franklin (Ep. 70)

By Life Unlimited | October 13, 2020

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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

Should I Stop Contributing To My 401(k) During COVID-19? (and More Answers To Your 401(k) Questions) (Ep. 69)

By Life Unlimited | September 23, 2020

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Has your employer stopped matching 401(k) contributions during COVID-19? Do you wish you had more money for daily expenses?

If so, you might be wondering if you should stop contributing to your 401(k).

Today, Larry Heller explains why increasing your savings rate is one of the best ways to take back control during unsettling times.

This episode is filled with advice to help you increase your contributions, focus on the long-term outcomes of contributing to your 401(k), and know whether it’s wise to withdraw early from your plan, even if the U.S. government is making it easy to do that during COVID-19.

In this episode, you will learn:

Why you shouldn’t stop contributing to your 401(k)
Three ways to increase your contributions
How to know if you’re saving enough money in your 401(k) for retirement
What to look for when doing a portfolio check
What to do with your 401(k) if you lose your job
What the downsides are of taking a hardship withdrawal
And more!

Tune in for complete advice on what to do with your 401(k)!

Resources: Heller Wealth Management: (631) 293-2806 | Episode 35: Your Retirement Paycheck | Video: How To Decide If a Roth Conversion Is Right for This Year

Golf Tips to Help Older Adults Play Safely and Enjoy the Game –– With Bill Bresnan (Ep. 68)

By Life Unlimited | August 26, 2020

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Are you over 50 and thinking about getting into golf? Or maybe you’re a seasoned golfer who is looking for tips to help you avoid injuries as you get older.

This is the episode for you!

Today Larry Heller talks to Bill Bresnan, a PGA golf professional who has been giving lessons on Long Island for over 25 years. (In fact, Bill is Larry’s golf instructor!) Bill shares advice to help new golfers over 50 play safely and avoid the frustrations that come with just starting out. He also shares how experienced golfers can improve their game and make adjustments for safety as they age.

In this episode, you will learn:

About Bill’s favorite memory from competing in the PGA
The first step for older adults who are interested in taking up golf
Two recommendation to help golfers age 50+ avoid injuries and keep enjoying the game
Advice to help new golfers enjoy the game without getting frustrated
Why older adults benefit socially from playing golf at a club
Two key traits to look for in a golf coach
And more!

Tune in now to get tips for mastering and enjoying golf as you get older.

Resources: Heller Wealth Management: (631) 293-2806 | Colonial Springs Golf Club: Call Bill Bresnan at (631) 643-1050 ext. 23

The Business Case for Workplace Cultures of Accountability –– With Christine Ippolito (Ep. 67)

By Life Unlimited | August 17, 2020

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By creating a culture of accountability in your company, you can give your employees clearer expectations and a better sense of purpose. This shift is particularly helpful as employees are feeling more stressed and anxious during the pandemic.

In this episode, Larry Heller talks to Christine Ippolito, the founder and president of Compass Workforce Solutions. Christine helps small businesses succeed in a challenging regulatory environment and has built a strong reputation as an expert and leading voice in the area of human resources. Christine explains how to establish a culture of accountability in your workplace and why this culture empowers every person in your organization to own their tasks and ask questions.

In this episode, you will learn:

Why having a culture of accountability saves time, energy, and effort at work
How to get buy-in from new employees without micro-managing them
Examples of how to set clear expectations for your team
Questions to ask yourself before you delegate a task to an employee
How to give your team permission to hold you accountable as a leader
Four tools that you can give employees to help them achieve accountability
How to tell if your company has achieved a culture of accountability
And more!

Tune in now to learn what changes you can make right away to shift to a culture of accountability.

Resources: Heller Wealth Management: (631) 293-2806 | Compass Workforce Solutions: (631) 794-7400 | Measure What Matters by John Doerr