Tag: Heller Wealth Mangement

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Sources of Financial Elder Abuse You Should Be Aware Of – With Jeff Haber (Ep. 61)

Sources of Financial Elder Abuse You Should Be Aware Of – With Jeff Haber (Ep. 61)

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Would you know how to tell if your aging loved one is being financially abused? The signs aren’t always apparent — and neither are the abusers. 

In this episode, Larry Heller explores this necessary topic with Jeffrey Haber, the co-founding partner of Freiberger Haber LLP. They talk about the subtle, and not so subtle, signs of financial abuse and what kinds of individuals are notorious for exploiting seniors. You will also discover what laws are in place to protect your loved ones and what actions you can take. 

In this episode, you’ll learn:

  • The signs of senior financial exploitation
  • Which state and federal laws are designed to protect seniors from being financially exploited
  • What securities and banking regulators are doing to detect and prevent the financial exploitation of seniors
  • What friends and family can do to protect their loved ones
  • And more!

Join this conversation now to learn about the signs of financial abuse and what steps to take in order to protect your loved ones. 

Resources:  

Heller Wealth Management | Freiberger Haber LLP: (631) 282-8985 | jhaber@fhnylaw.com

 

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What do the SECURE Act’s Biggest Changes Mean for You? — With Sal Albanese (Ep. 60)

What do the SECURE Act’s Biggest Changes Mean for You? — With Sal Albanese (Ep. 60)

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The newly passed SECURE Act introduces a host of changes that will impact the majority of pre-retirees. Do you know what this new bill means for your retirement plan?

In this episode, Larry Heller unpacks the SECURE Act with Sal Albanese, the founder of a full-service CPA firm called Salvatore Albanese & Company LLC. Together, they walk you through what options the act has given and taken away from employers and employees.

In this episode, you’ll learn:

  • What changes have been made to safe harbor 401(k) plans
  • How the SECURE Act incentivizes employers to set up new pension plans for employees
  • Why the increased required minimum distribution (RMD) age presents more planning opportunities
  • What changes apply to heirs of IRAs — and what the exceptions are
  • Planning strategies to consider in response to the act’s most significant changes
  • And more!

Tune in now to learn about the SECURE Act’s biggest changes for pre-retirees and how they might affect you!

Resources:

Heller Wealth Management | Salvatore Albanese and Company LLC

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Get to Know the Heller Wealth Management Team (Ep. 59)

Get to Know the Heller Wealth Management Team (Ep. 59)

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Larry Heller is very proud of the team he’s built at Heller Wealth Management. Have you had a chance to meet the talented professionals who will help you retire right?

In this special episode, Larry Heller turns the mic over to his team. Meet wealth managers Greg Moss and Belinda Tsui, Joanna Grace in client services, and Megan Harding, administrative coordinator. They share what they do for clients, how their roles have evolved, their best piece of financial advice, and more!

In this episode, you’ll learn:

  • How Greg’s preoccupation with money as a kid launched him on the path to his career
  • Why Belinda believes that financial planning is important
  • About the invaluable skills that Joanna brings to the team
  • What piece of financial advice has become even more meaningful to Megan during her time at Heller Wealth Management
  • And more!

Tune in now to meet the talented team that can put you on the path to retiring right!

Resources:  Heller Wealth Management 

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Top 10 Financial Planning Tips for 2020 (Ep. 58)

Top 10 Financial Planning Tips for 2020 (Ep. 58)

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There’s no better time than the start of a new year to learn top financial tips. This is the time when many are not only setting goals for the year, but you also have the entire year to implement them!

In this episode, Larry Heller walks you through his top 10 financial planning tips for 2020. This is a highly practical and tip-filled episode that will have you taking notes and feeling prepared to boost your planning strategies and savings this year. 

In this episode, you’ll learn:

  • Recommendations for apps and software that can help you to budget and save
  • Ideas for making automatic contributions to your savings account
  • Why Larry believes that contributing to 401(k)s, profit-sharing plans, and IRAs are the best ways of saving for retirement
  • How much you can now contribute to a 401(k) if you’re over 50
  • And more!

Tune in now to learn Larry’s top 10 financial planning tips for 2020!

Resources:  Heller Wealth Management | Episode 51: Here’s What You Need to Know About Your Credit in Retirement — With Guest, Leslie H. Tayne

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Your Guide to Year-End Tax Planning — With Accountant, Scott Cheslowitz (Ep. 57)

Your Guide to Year-End Tax Planning — With Accountant, Scott Cheslowitz (Ep. 57)

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December may be coming to a close, but it’s not too late to implement some year-end tax planning strategies. 

In this episode, Larry Heller speaks with Scott Cheslowitz, a CPA and partner of Rothenberg & Peters, PLLC, who works with closely held entities, estates, and high-net-worth individuals. In this timely conversation, Scott shares year-end tax planning tips that everyone should be aware of as we enter 2020. 

In this episode, you’ll learn:

  • A strategy for using charitable contributions to lower your income taxes
  • How to do a tax projection and why Scott recommends it
  • At what age to start taking your Required Minimum Distributions and whether there are any exceptions
  • Tax advantages to investing in Qualified Opportunity Zone Funds
  • And more!

Tune in now to learn some year-end tax planning strategies that you can use right away!

Resources:  Heller Wealth Management | Scott Cheslowitz’s Email: (516) 773-3200

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Elder Law is Really Elder Care — With Attorney Brian Tully (Ep. 56)

Elder Law is Really Elder Care — With Attorney Brian Tully (Ep. 56)

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Do you have a plan in place to care for your loved ones as they age? 

In this episode, Larry Heller is joined by Brian Tully, founder of Tully Law, P.C. and certified elder law attorney, to explain why elder law is really elder care. This discussion covers the extensive service that Brian Tully and his team offer our aging population, which goes beyond traditional estate planning by supporting clients and caregivers as needs shift with age. 

In this episode, you’ll learn:

  • An explanation of the “elder care continuum” 
  • What Tully Law, P.C. does to help people plan for care
  • The difference in health issues that are covered by Medicare versus long-term care
  • The number one tool for sheltering assets to become eligible for Medicaid
  • Whether there’s a difference in the quality of care for Medicaid recipients compared to private-pay recipients
  • And more!

Tune in now to learn about the level of protection and care Tully Law P.C. can offer your aging loved ones!

Resources:  Heller Wealth Management | Tully Law, P.C.

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How to Affect Positive Change in Your Relationships — With Donna Martini (Ep. 55)

How to Affect Positive Change in Your Relationships — With Donna Martini (Ep. 55)

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Did you know that humans are almost exclusively made up of water molecules? Considering that we exchange energy on a molecular level with people all the time, how can we stay centered, create our best energy, and use it to effect positive change?

In this episode, Larry Heller gets to the core of these questions with guest Donna Martini, a wellness activist, writer, coach, speaker, and cartoonist who educates the public about love, forgiveness, and everything wellness. This conversation is a must-listen for anyone who wants to use their energy to effect positive change in their interactions while harnessing their best mindset and emotional state. 

In this episode, you’ll learn:

  • The definition of “positive manipulation” and how it works
  • How to take ownership of your energy when you’re around people who are in a negative mood
  • About Donna’s new book, “Mighty Mantras,” and its unexpected mascot
  • An example of a mantra that you can use when feeling anxious
  • How workplace environments shift once people understand their potential to create change
  • And more!

Tune in now to learn how you can use your energy to create positive changes within yourself and others!

Resources:  Heller Wealth Management | MantraMouse | Contact Donna

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How I Stopped Working Full-Time to Follow My Photography Passion — With Marc Alter (Ep. 54)

How I Stopped Working Full-Time to Follow My Photography Passion — With Marc Alter (Ep. 54)

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Have you ever dreamed of taking an early retirement to follow one of your passions?

In this episode, Larry Heller is joined by Marc Alter, a client who is officially retired and now spends his days pursuing his passion for photography. This is a fun conversation in which Marc explains how he made the decision to stop working full-time and what advice he has for anyone who’s considering retiring to devote more time to their interests.

In this episode, you’ll learn:

  • Which type of photography Marc does
  • What percentage of his time is spent shooting versus editing
  • How Marc decided to stop working full-time
  • Which photographers he admires
  • And more!

Tune in now and get inspired to devote more time to your passion!

Resources: Heller Wealth Management | MFA Images

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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