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

Understanding the Insurance Market Crisis: Higher Rates, Tougher Carriers, and Smart Moves with Gregg Knepper [Ep.174]

April 16, 2025 • 26 mins

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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5 Tax Gotchas That High-Net-Worth Individuals Overlook [Ep.173]

April 2, 2025 • 19 mins

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 …

Accounting Firm M&A: Trends, Valuations & Challenges with Geoff Bruskin [Ep.172]

March 5, 2025 • 26 mins

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 …

Retirement Unlocked: Managing Sequence of Returns Risk [Ep.171]

February 19, 2025 • 22 mins

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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2025 Tax Changes: What You Must Know to Protect Your Wealth with Bill Minoff [Ep.170]

February 5, 2025 • 29 mins

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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Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

January 15, 2025 • 21 mins

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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Legal Recruiting Trends: Attract and Retain Top Talent with Shari Davidson [Ep. 168]

January 8, 2025 • 29 mins

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 …

7 Costly Financial Planning Mistakes You’re Making (And How to Avoid Them!) [Ep. 167]

December 18, 2024 • 22 mins

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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Protecting What Matters Most: Estate Planning for Women with Allison Dolzani [Ep. 166]

December 11, 2024 • 20 mins

Estate planning goes beyond documents—it’s about protecting loved ones, achieving financial independence, and aligning plans with long-term goals. In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, sits down with Allison Dolzani, estate planning attorney and partner at Julie Kessler, LLP, to explore strategies tailored to women navigating major life transitions …

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Navigating S Corps: The Pros, Cons, and Tax Implications for Small Businesses [Ep. 165]

November 27, 2024 • 24 mins

Choosing the right business structure isn’t just about compliance – it’s about maximizing tax efficiency and aligning with your long-term goals. Larry Heller, CFP®, CDFA®, and William Huether, CPA, CGMA, MBA, discuss how S-Corporations can help business owners save on taxes, streamline compliance, and drive growth. They compare S-Corps to C-Corps, LLCs, and partnerships, offering …

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Beyond Accumulation: Mastering Your Retirement Distribution Strategy [Ep. 164]

November 20, 2024 • 22 mins

Retirement isn’t just about accumulating wealth – it’s about making sure it lasts. In this episode, Larry Heller, CFP®, CDFA®, explores the essential elements of a well-rounded distribution strategy for retirement, including guiding you through five key areas every retiree should prioritize: income vs. total return, tax management, investment allocation, longevity, and estate planning. Larry …

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Risky Business: The Hidden Risks of Handshake Agreements with Rachel Partain [Ep. 163]

November 13, 2024 • 21 mins

Handshake deals might seem convenient, but they could put your business at serious risk. Discover how to protect your company from these hidden dangers and build a reliable foundation. Larry Heller, CFP®, CDFA®, is joined by Rachel Partain, a leading tax attorney and partner at Forchelli Law, to break down the risks of running a …

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The Ripple Effect: How Recent Fed Actions Affect your Financial Plan [Ep. 162]

October 2, 2024 • 20 mins

Interest rates may be falling, but your financial strategy doesn’t have to follow. Learn how to stay ahead in today’s ever-changing financial landscape. Larry Heller, CFP®, CDFA®, breaks down how these shifting rates impact everything from mortgages to retirement plans. Whether you’re buying a home, optimizing investments, or planning for your financial future, Larry offers …

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Breaking Free: Unmasking High Conflict Divorces with Susan Bernstein [Ep. 161]

September 18, 2024 • 20 mins

High-conflict divorces are some of the most emotionally draining and complex experiences a family can face, especially when children with special needs are involved. In this episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, sits down with Dr. Susan K. Bernstein, a certified divorce coach specializing in high-conflict cases, to explore how divorce coaching …

The Six Silent Threats to Your Retirement [Ep. 160]

September 4, 2024 • 24 mins

Could these six retirement mistakes jeopardize a successful retirement? What steps can you take to avoid them? In this eye-opening episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, reveals six critical retirement mistakes that could threaten your financial security when it comes to planning for your retirement. These pitfalls are unfortunately common, but there …

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Divorce Without Drama: Understanding Collaborative & Mediation Options with Andrea Vacca [Ep. 159]

August 21, 2024 • 28 mins

Divorce is rarely easy, but what if there were alternatives to the adversarial process of litigation that could lead to more peaceful resolutions? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA® is joined by Andrea Vacca, Founder of Vacca Family Law Group, to define and explore two powerful divorce alternatives: …

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New Laws, New Opportunities: Secure Act 2.0 Changes to 529 Plans [Ep. 158]

August 7, 2024 • 19 mins

Could your children or grandchildren’s 529 plan be the key to their future retirement success? In this insightful episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, explores the new provisions of the Secure 2.0 Act that allow 529 plan rollovers to Roth IRAs. Larry outlines the conditions and strategic benefits of this new rule, …

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Unlocking Real Estate Wealth: 1031 Exchanges and DSTs with Stephen Davis [Ep. 157]

July 24, 2024 • 28 mins

Ready to transform your real estate assets into a tax-efficient retirement plan? Want to maximize your real estate wealth without the headache of property management? Join host Larry Heller, CFP®, CDFA®, as he explores the world of 1031 exchanges with Stephen K. Davis, President and CEO of Safe Harbor Asset Management. With over 40 years …

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Corporate Benefits to Cash Management Plans: A Deep Dive Into How We Work with Business Owners (Ep. 156)

July 10, 2024 • 24 mins

How can business owners keep their financial strategies effective for long-term success? In this informative episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, reveals the intricacies of corporate benefits and cash management tailored for business owners. Learn how regularly updating 401k plans, optimizing cash reserves, and leveraging professional networks can alter your business. Obtain …

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ESOPs Explained: Bridging the Wealth Gap with Chris Coates [Ep. 155]

June 19, 2024 • 25 mins

What if your employees could help drive your business to new heights while investing in their own financial futures? Uncover the power of ESOPs now! Join host Larry Heller, CFP®, CDFA®, as he discusses the intricacies of ESOPs with Chris Coates, a skilled professional in business transition strategies. With over 30 years of experience, Coates …

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Retirement Unlocked

Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Understanding the Insurance Market Crisis: Higher Rates, Tougher Carriers, and Smart Moves with Gregg Knepper [Ep.174]

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}5 Tax Gotchas That High-Net-Worth Individuals Overlook [Ep.173]

Accounting Firm M&A: Trends, Valuations & Challenges with Geoff Bruskin [Ep.172]

Retirement Unlocked: Managing Sequence of Returns Risk [Ep.171]

2025 Tax Changes: What You Must Know to Protect Your Wealth with Bill Minoff [Ep.170]

Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

Legal Recruiting Trends: Attract and Retain Top Talent with Shari Davidson [Ep. 168]

7 Costly Financial Planning Mistakes You’re Making (And How to Avoid Them!) [Ep. 167]

Protecting What Matters Most: Estate Planning for Women with Allison Dolzani [Ep. 166]

Navigating S Corps: The Pros, Cons, and Tax Implications for Small Businesses [Ep. 165]

Beyond Accumulation: Mastering Your Retirement Distribution Strategy [Ep. 164]

Risky Business: The Hidden Risks of Handshake Agreements with Rachel Partain [Ep. 163]

The Ripple Effect: How Recent Fed Actions Affect your Financial Plan [Ep. 162]

Breaking Free: Unmasking High Conflict Divorces with Susan Bernstein [Ep. 161]

The Six Silent Threats to Your Retirement [Ep. 160]

Divorce Without Drama: Understanding Collaborative & Mediation Options with Andrea Vacca [Ep. 159]

New Laws, New Opportunities: Secure Act 2.0 Changes to 529 Plans [Ep. 158]

Unlocking Real Estate Wealth: 1031 Exchanges and DSTs with Stephen Davis [Ep. 157]

Corporate Benefits to Cash Management Plans: A Deep Dive Into How We Work with Business Owners (Ep. 156)

ESOPs Explained: Bridging the Wealth Gap with Chris Coates [Ep. 155]

Popular Podcasts

Understanding the Insurance Market Crisis: Higher Rates, Tougher Carriers, and Smart Moves with Gregg Knepper [Ep.174]

5 Tax Gotchas That High-Net-Worth Individuals Overlook [Ep.173]