Retirement Unlocked
Retirement Unlocked. With Larry Heller, CFP®. Your life. Your way. How financial resilience can let you live it – for life. While money matters, being able to pursue the things that enrich our individual lives also matters. Having the financial resilience to live life without limits is just one of the wide range of subjects discussed on the ‘Retirement Unlocked’ podcast. Join Larry Heller, certified financial planner and president of Heller Wealth Management, as he covers topics from tax tips to investment strategies, to healthy lifestyle practices, and trekking the globe!
Episodes
Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important decisions get made.
In this episode, Larry Heller, CFP®, CDFA®, explains the concept of the retirement “danger zone”, the five years before and after retirement when financial, tax, and lifestyle decisions can have long-term consequences.
Retirement can look solid on paper, but confidence doesn’t come from a number; it comes from how your money actually works for you.
In this episode, Larry Heller, CFP® breaks down why cash flow, not net worth, is the true driver of financial confidence in retirement. He explains how multiple income sources, tax considerations, and withdrawal strategies must be c...
Retirement often changes how your wealth is structured, distributed, and taxed, potentially exposing estate planning gaps that were easy to overlook during your working years.
In this episode, Larry Heller, CFP®, CDFA®, explores why retirement is a new phase of estate planning and what families, especially those with higher net worth, should be reviewing now.
Most people think life insurance is only about what happens after they are gone. But what if part of your coverage could support you during a serious health event while you are still living?
In this episode, Larry Heller, CFP®, CDFA®, sits down with Richard “Big Daddy” Salgado to explore how life insurance has evolved beyond the traditional death benefit. Drawin...
Many people enter retirement expecting their taxes to decline, but for many retirees, the opposite happens.
In this episode, Larry explains why retirement income often becomes more taxable over time and how a lack of coordination can quietly increase stress, healthcare costs, and long-term tax exposure.
In this episode, Lar...
Why does investing feel so emotional, even when the plan is solid? This episode explores how psychology, and not just numbers, shapes the way investors react to markets.
In this episode, Larry Heller, CFP®, CDFA®, CPA, is joined by Scott Bosworth, CFA, Head of Speakers Bureau and Vice President at Dimensional Fund Advisors, to discuss how investor behavior and ...
The start of a new year is one of the most valuable planning moments for retirees, not because everything needs to change, but because the right questions can shape better decisions all year long.
In this episode, Larry Heller, CFP®, CDFA®, walks through the key January questions retirees should be asking, covering taxes, withdrawals, cash management, portfolio ...
Selling a business is one of the biggest financial decisions an owner will ever make, and the right preparation can shape both the outcome and the next chapter of life.
In this episode, Larry Heller, CFP®, CDFA®, speaks with Gregg Schor, CEO of Protegrity Advisors, about what business owners need to understand before entering the mergers and acquisitions process...
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 mis...
Retirement planning for Northwell Health employees involves understanding a range of unique benefits and making strategic financial decisions. Many employees across all tiers and roles are unsure how these pieces fit together as they approach retirement.
In this episode, Larry Heller, CFP®, CDFA®, speaks with Belinda Tsui, CFP®, about how strategic planning can ...
Year-end tax season doesn’t have to catch you off guard. With the latest tax law updates now in effect, there are new windows of opportunity, but also new limitations, especially for high-income earners and business owners.
In this episode, Larry Heller, CFP®, CDFA®, sits down with Jonathan Niyazov, CPA, to unpack how the 2025 tax code changes are reshaping fina...
When love finds you later in life, what happens to your legacy?
With over 1,300 stepfamilies forming every day, later-in-life relationships are more common than ever, but so are the financial complexities that come with them.
Whether you’re remarrying, cohabiting, or just exploring the next chapter, decisions around Social...
Planning for the future isn’t just about what you leave behind; it’s also about how you live today.
Yet far too many retirees assume that a simple will is enough to protect their assets, their wishes, and their loved ones. In reality, effective estate planning involves proactive decisions, coordinated professionals, and a clear vision for both your life and you...
Roth conversions may be one of the most overlooked tax planning opportunities in retirement, and the cost of waiting could be staggering.
With recent legislative changes, longer life expectancies, and compressed inheritance timelines for your heirs, it’s never been more important to get this right.
In this episode of
You’ve built a business with care, grit, and vision. But what happens when the finish line is in sight and you realize you’re not ready to cross it?
For business owners nearing retirement, the decision to sell is about far more than spreadsheets and valuations. It’s personal. It’s strategic. And it can be overwhelming.
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What seems like a small business decision, choosing between a SIMPLE IRA and a 401(k), can quietly shape everything from your personal retirement strategy to your firm’s employee retention.
The truth? It’s not just about cost. It’s about control, flexibility, and future-proofing your business and your finances.
Whether you...
How can you give more to the causes you care about while keeping more of your hard-earned money?
Charitable giving isn’t just a personal act of generosity; it’s also a strategic financial opportunity.
In this episode of Retirement Unlocked, Larry ...
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 inco...
Think you’ve done everything right for retirement? One overlooked tax detail could cost you thousands.
In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, welcomes Rob Premselaar, CPA and founder of Premselaar CPA LLC, to shed light on the hidden tax pitfalls that can de...
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 ...
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