Tag: Retirement Income Planning
What Should You Do with Your 401(k) When You Retire? (Ep. 181)

What Should You Do with Your 401(k) When You Retire? (Ep. 181)

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Your 401(k) could be your largest retirement asset, but are you making the most of it?

In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, shares the essential steps to take with your 401(k) as you approach retirement. From rollover decisions and Roth conversions to income generation and estate planning, Larry covers the strategies that can help you avoid costly mistakes and keep more of what you’ve earned.

Key Topics Include:

  • When to consider rolling over your 401(k) to an IRA
  • How Roth conversions can reduce your lifetime tax bil
  • What to know about fees, investment choices, and employer stock
  • How to build a tax-efficient withdrawal strategy
  • The importance of naming the right beneficiaries
  • And more!

Whether you’re retiring soon or planning ahead, this episode is your guide to making smart 401(k) decisions so you can step into retirement with confidence.

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How Much Cash Should You Have in Retirement? (Ep. 179)

How Much Cash Should You Have in Retirement? (Ep. 179)

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Are you holding too much, or too little cash in retirement? 

Finding the right amount of cash to keep on hand is one of the most important decisions you’ll make when creating a retirement income strategy. The wrong decision could lead to stress, missed growth opportunities, or even long-term financial instability.

In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, breaks down how much cash retirees should have in their portfolio, and why it matters more than you might think. He introduces his “retirement cash reserve strategy,” designed to help you generate steady income while protecting against market volatility.

What to expect in this episode:

  • A breakdown of bear vs. bull markets since 1945 and what they teach us about cash reserves
  • How to calculate 24–36 months of protected cash for downturns
  • The role of risk tolerance and income modeling in reserve planning
  • How to build a personal “cash reservoir” that keeps retirement stress low
  • And more!

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