Tag: Retirement Spending

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Why Saving for Retirement Is Easier Than Spending in Retirement (Ep. 202)

Why Saving for Retirement Is Easier Than Spending in Retirement (Ep. 202)

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Many retirees wonder whether they can safely spend more money in retirement without jeopardizing their future. Questions about retirement income, withdrawal rates, market volatility, healthcare expenses, and the fear of running out of money often prevent retirees from enjoying the wealth they’ve accumulated. 

In this episode, Larry Heller, CFP®, CDFA®, discusses the often-overlooked challenge of transitioning from a saver mindset to a spender mindset in retirement and why many financially secure retirees struggle to enjoy the assets they’ve accumulated.

Larry discusses:

  • Why many retirees experience anxiety around spending, even when their financial plan supports it
  • The psychological shift required when moving from accumulation to distribution
  • Common fears about running out of money and how those concerns impact retirement decisions
  • How retirement income planning can help create confidence around spending
  • And more!

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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/

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Key Decisions to Get Right in Your 60s for a Confident Retirement (Ep. 190)

Key Decisions to Get Right in Your 60s for a Confident Retirement (Ep. 190)

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Planning for retirement in your sixties involves a series of decisions that shape the rest of your life. Many retirees and pre-retirees are unsure how Social Security, healthcare, taxes, investments, and estate planning all work together, and this uncertainty can lead to costly missteps.

In this episode, Larry Heller, CFP®, CDFA®, breaks down the most common mistakes he sees people make during this decade and explains how thoughtful planning can help you approach retirement with clarity and confidence. He highlights real-world scenarios where timing, income needs, and coordination across financial decisions can make a meaningful difference for retirees and their families.

What to expect:

  • The Social Security mistakes many people make at ages 62 to 67
  • How income needs, longevity, and spousal benefits affect the right claiming strategy
  • Why knowing your spending is one of the most powerful pieces of retirement planning
  • Healthcare planning essentials, including Medicare, IRMAA, and long-term care
  • Managing investments in your sixties without becoming too conservative too quickly
  • Missed tax opportunities such as Roth conversions and withdrawal sequencing
  • Emotional preparation and lifestyle planning for a fulfilling retirement
  • Why updated estate documents and beneficiary designations matter
  • And more!

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