Retirement Unlocked

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

October 15, 2025 27 mins
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 …

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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 Retirement Unlocked, Larry Heller, CFP®, CDFA®, …

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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. In …

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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’re a solo entrepreneur or managing a …

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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 Heller, CFP®, CDFA®, sits down with philanthropy professional Joshua Chadajo, CEO of JEC Philanthropy, to …

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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 …

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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 derail even the most carefully crafted retirement plans. They explore …

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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 …

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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 to virtual bookkeeping for efficiency, …

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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 to failing to optimize your Social Security benefits, Larry shares why these …

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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 profits over …

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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 shift into this …

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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 break down the rapidly changing insurance landscape. With more than 15 years of experience …

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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 tax cuts, Larry sheds light on often-overlooked tax …

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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 equity, sheds …

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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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Are You Prepared for the Biggest Tax Changes in Years? The 2025 tax landscape is about to undergo a massive shift as key provisions of the 2017 Tax Cuts and Jobs Act expire. These changes could mean higher tax rates, fewer deductions, and major implications for your income, business, and estate. In this episode of …

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Do you know the smartest way to manage your withdrawals in retirement? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency.  Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth …

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The legal industry is evolving, and law firms are facing unprecedented challenges in recruiting and retaining top talent. In this episode of Life Unlimited, Larry Heller, CFP®, CDFA®, sits down with Shari Davidson, founder and president of On Balance Search Consultants, to explore the shifting dynamics of legal recruiting and career transitions. Shari brings over …

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How well do you truly know your tax bracket? Did you know that not knowing enough could cost you thousands? Get ready to learn some critical financial planning mistakes that might secretly derail your financial security. This week on the Life Unlimited podcast, Larry Heller identifies the seven most common financial mistakes people make and …

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