Tag Archives: Retire Right

2022 FEATURE

100. The 100th Episode: Introducing Life Unlimited



“We hit 100 and we’re not stopping!” – Larry Heller, CFP®

Larry has reached his 100th episode of the Retire Right podcast, a huge milestone in podcasting. During these episodes, Larry has provided his audience with all kinds of valuable information on various topics surrounding retirement. 

Now, we’re taking a moment to reflect on the podcast so far — and to break down the exciting news of the rebrand of the Retire Right podcast to the newly titled Life Unlimited. Find out what you can expect for the future of the podcast, as Larry looks back on how far he’s come!

Larry also discusses: 

  • What inspired the change from “Retire Right” to the “Life Unlimited” podcast
  • His favorite highlights and guests from previous episodes, including a professional organizer and a full-size model train enthusiast
  • How you can suggest topics and content ideas for the Life Unlimited podcast
  • Where you can expect to find the podcast — including video recordings
  • And so much more!

Resources: 

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99. Five Important Steps to Take Before Retiring



What are you going to do every day in retirement? As you think a little bit more about retirement, there are five important planning steps to keep in mind. 

In this episode, Larry Heller discusses each of the five steps to start planning for a well lived retirement. This episode will help you start visualizing your dream retirement and what it looks like for you!

Larry discusses: 

  • Visualizing your future life
  • Tax and legacy planning
  • How much money is enough money
  • The impacts of long-term illness
  • And much more!

Resources: 

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98. Year-End Planning Recommendations for Retirees



If you still haven’t started your year-end planning yet, now is the time to start. Planning will help you keep more money in your pocket and less in the government’s pocket.

In this episode, Larry Heller shares year-end planning recommendations for retirees so you don’t miss any of these timely planning opportunities.

Larry discusses: 

  • Why retirees need to take their acquired minimum distributions
  • Ways you can save money from taxes 
  • Roth conversion and cash flow planning strategies 
  • Charitable contribution planning strategies 
  • And more

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97. 10 Common Estate Planning Mistakes Made by Divorcees With Keren Birnbaum, Esq.



You don’t know what you don’t know. Whether you are contemplating divorce or are in the process, you want to protect yourself by having the proper communication and documentation.

In this episode, Larry Heller talks with Keren Birnbaum, Esq. a partner with Schwartz Ettenger, PLLC who focuses on estate planning, trust and estate administration, and elder law. Keren shares 10 common estate planning mistakes that divorcees need to be aware of to retire right.

Keren discusses: 

  • Repercussions of not having estate planning documents
  • The mistake of not updating your estate planning documents
  • Not updating beneficiary designations in your retirement accounts and insurance policies
  • Why it’s critical to educate yourself on the assets you own
  • And more

Connect With Keren G. Birnbaum, Esq:

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About Our Guest:

Keren G. Birnbaum, Esq. is a Partner with Schwartz Ettenger, PLLC where she concentrates her practice in the areas of Estate Planning, Trust and Estate Administration and Elder Law. She has over 10 years of experience advising clients on how to protect themselves, their loved ones and their business in the event of death, incapacity or disability. 

Ms. Birnbaum earned her law degree at Hofstra University School of Law and her Bachelor’s Degree at Brandeis University. She is admitted to the New York State Bar, is a member of the New York State Bar Association, Queens County Bar Association, Brandeis Association, and is an active member of the Elder Law and Trusts and Estates Sections of the New York State Bar Association. Ms. Birnbaum has also lectured and published articles on various elder law and estate planning issues.

 


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96. What You Need to Know About Life Insurance With Neil Himmelstein



Life insurance should be customized to you and your needs. As such, your planning professional should provide you with multiple options for insurance that will fit your lifestyle and unique circumstances.

In this episode, Larry Heller interviews Neil Himmelstein, the owner of Main Street Planning Group. Neil reveals the value of customized life insurance and shares strategies and tips you can start using right away with your life insurance policy.

Neil discusses:

  • The reasons why people need life insurance
  • Identifying possible living benefits
  • The different types of permanent policies
  • Why it is important to review your policies
  • And more

Connect With Neil Himmelstein:

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About Our Guest:

Neil Himmelstein, is an independent wholesaler of insurance products, life disability, fixed annuities and long-term care and strategic partner to advisors across the country. Neil has a graduate degree in economics from the university of Maryland and has done postgraduate studies. He is a proud recipient of the Rudy Stegman award for outstanding achievement in leadership in the industry by long island. Neil has been involved in case design and agency management for over 20 years, specializing in high net worth programs, such as premium finance and restricted property trust and finding solutions for clients with health impairment needs.

 


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95. HWM Strategies to Save Income Taxes on Your Investments



It’s not what you make but what you keep. Do you know that the taxes you pay on your investments can vary?

Well then, this episode is for you!

In this information-packed episode, Larry Heller discusses diversification, taxes, and different strategies you can use to maximize your return by minimizing your taxes. 

Larry discusses: 

  • What cost basis is and how to lower your capital gains tax
  • How to select the proper method for reducing taxes on your mutual funds
  • Why it’s helpful to know what tax bracket you’re in to save you money
  • Why not knowing about mutual fund distributions and turnover can lead to surprise taxes

Resources: 

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94. How Climate Change Can Impact Home Insurance with Paul Wickel



These days, climate change is a big topic everyone is talking about. But do you know what is and isn’t covered under your home insurance policy?

In this episode, Larry Heller talks with Paul Wickel, a insurance producer at Remco Agency, about the different homeowner policies available and what you might be missing in your coverage to protect yourself from expensive claims.

Paul discusses: 

  • Who needs flood insurance––and what it does and does not cover
  • How to know if you have the insurance coverage for your climate
  • Ways insurance companies are helping homeowners
  • The common drawbacks for homeowners purchasing insurance
  • And more

Connect With Paul Wickel:

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About Our Guest: 

Paul Wickel is an independent insurance broker with Remco Agency on Long Island. Paul holds a number of industry related achievements and degrees and has over 37 years experience serving individuals and small businesses in the tri-state area. Paul’s specialty is working with high net worth individuals.

 


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93. The Boring Investor: Why Boring Can Be Better for Investors



Why is boring sometimes better when it comes to investing?

Find out in this episode, as Larry Heller explains why boring can be better when it comes to investing. Plus, discover how “boring” compares to the things that people typically want to talk about with investing.

Larry discusses: 

  • Why boring can be better when creating a investment strategy
  • Mutual funds versus individual stocks
  • Benefits of being a boring investor
  • And more

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92. The SilverBills Solution to Bill Payment With Marci Lobel-Esrig



Do you struggle with making sure your household bills are paid correctly and on time? Did you know that there are options designed to help you stay on track securely and without stress?

In this episode, Larry Heller speaks with Marci Lobel-Esrig, founder and chief executive officer of SilverBills, a concierge bill management company designed to help the elderly age with dignity and security. Marci explains the SilverBills program and how the service works to help individuals decrease their financial stress by automating the payment of their household bills.

Marci discusses: 

  • What SilverBills is and who they serve
  • The cost of the service and how it works to assist the elderly with their household bills
  • How SilverBills can improve your financial wellbeing
  • And more

Connect With Marci Lobel-Esrig:

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About Our Guest:

Marci founded SilverBills after witnessing the challenges faced by her elderly relatives paying bills on time and correctly. As an accomplished attorney adept at solving complex issues, Marci leads the team at SilverBills which successfully developed a technology solution to the problem of paying bills accurately. Marci has been a practicing attorney for more than 20 years. For approximately 8 years until 2015, she was an in-house attorney for a well-known real estate investment company. 


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91. How Much Cash Should You Have in Retirement?



Whether you’re three years away from retirement or are in retirement now, many pre-retirees and retirees have the same question in mind: How much cash do I really need?

In this episode, Larry Heller reveals his answer to this question and shares what’s going to have a dramatic effect on your cash during your retirement planning. Plus, he discusses how to stay the course with your money so you can retire right.

Larry discusses: 

  • The importance of knowing your annual expenses
  • Why Cash in a low interest rate environment
  • The “Sleep Factor”
  • And more

Resources:

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