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Are you approaching retirement and wondering whether your spending, investments, taxes, insurance, estate plan, and retirement lifestyle are all working together?

A retirement plan should do more than help you reach a savings goal. It should support the life you want while preparing for changing markets, rising costs, healthcare needs, and a retirement that could last 30 years.

In this episode, Larry Heller, CFP®, CDFA®, shares a six-part retirement planning checklist designed to help people approaching retirement or already retired review the financial and personal decisions that can shape their future.

Larry discusses: 

• How much you may be able to spend in retirement without constantly worrying about running out of money
• Why taxes, insurance, and estate planning deserve regular review
• How purpose and lifestyle planning can be just as important as your finances
• How tax-efficient withdrawal strategies and Roth conversions may help reduce taxes throughout retirement
• Why reviewing your estate plan, insurance coverage, and life after work can help you retire with greater confidence
• And more!

Resources:

• Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning (Ep. 169)
• Retirement Unlocked: Managing Sequence of Returns Risk (Ep. 171)
• Why Taxes Often Go Up in Retirement and What Planning Ahead Can Change (Ep. 194)
• From Net Worth to Cash Flow, Rethinking Retirement Strategy (Ep. 197)
• IRMAA Explained, How Income Decisions Today Can Increase Medicare Costs Tomorrow (Ep. 199)

Connect with Larry Heller: 

• (631) 248-3600
• Schedule a 20-Minute Call
• Heller Wealth Management
• LinkedIn: Larry Heller, CFP®, CDFA®, CPA
• YouTube: Retirement Unlocked with Larry Heller, CFP®

Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice.

Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant’s current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/