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
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 ...
Outsourcing your bookkeeping isn’t just a cost-saving move; it could be the smartest strategic decision your business makes this year.
In this episode, Larry Heller, CFP®, CDFA®, sits down with Cheri Giglia, Owner and Managing Director of Supporting Strategies on Long Island, to explore why more small businesses are turning...
The market is unpredictable; your retirement plan shouldn’t be.
In this episode of Retirement Unlocked, host Larry Heller, CFP®, CDFA®, breaks down six of the most common (and costly) mistakes people make when planning for retirement. From underestimating how much you can spend t...
Health insurance is one of the largest expenses for many businesses, but are you getting what you’re paying for?
In this eye-opening episode, Larry Heller, CFP®, speaks with Louis Bernardi of BrightPath Benefit Advisors about the outdated and opaque nature of most employer-sponsored health insurance plans. Louis reveals how major carriers prioritize shareholder ...
What are some steps you should be taking 5 years before your retirement?
This question sets the stage for an engaging episode with Larry Heller, CFP®, CDFA ®, where we delve into the crucial five-year countdown to retirement.
Larry emphasizes the importance of timely planning and actionable strategies to ensure a smooth s...
Wildfires. Hurricanes. Cyber Attacks.
How are today’s biggest threats reshaping the insurance industry—and what can you do to stay protected?
In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with Gregg Knepper, President of Integrated Coverage Group, to brea...
What tax traps could derail your retirement plans?
In this episode, Larry Heller, CFP®, CDFA®, breaks down five major tax “gotchas” that high-net-worth retirees must navigate to protect their wealth and retirement security.
From the impact of required minimum distributions to the looming expiration of the 2017 ...
It’s time to discuss the world of Mergers and Acquisitions (M&A) in accounting.
In this episode, Larry Heller, CFP®, CDFA ® sits down with Geoff Bruskin, M&A specialist from White Tiger Connections, Inc., to discuss the bustling landscape of M&A, particularly within accounting. Geoff, with his extensive background in business brokerage and private eq...
What does it mean to face the ‘sequence of returns risk’ when you retire?
In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, discusses why the order of your investment returns matters as you enter retirement. Larry also breaks down this critical aspect of retirement planning and introduces strategies that can safeguard your financial ...
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