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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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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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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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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

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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