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

How to Avoid a Tax Time Bomb in Retirement (Ep. 185)

October 1, 2025 • 20 mins

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®, …

Our recommended title: How to Exit Your Business on Your Terms with Paul Cronin (Ep. 184)

September 17, 2025 • 23 mins

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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SIMPLE IRA vs. 401(k): What’s Best for Your Business? (Ep. 183)

September 3, 2025 • 22 mins

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 …

Charitable Giving in Retirement & Smart Tax Strategies to Maximize Your Impact with Joshua Chadajo (Ep. 182)

August 20, 2025 • 23 mins

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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What Should You Do with Your 401(k) When You Retire? (Ep. 181)

August 6, 2025 • 20 mins

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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Top Retirement Tax Pitfalls to Avoid with Rob Premselaar (Ep. 180)

July 16, 2025 • 28 mins

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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How Much Cash Should You Have in Retirement? (Ep. 179)

July 2, 2025 • 12 mins

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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More Time, Less Stress: Why Smart Businesses Are Outsourcing Their Bookkeeping with Cheri Giglia (Ep. 178)

June 18, 2025 • 26 mins

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, …

The 6 Retirement Mistakes To Avoid (Ep. 177)

June 4, 2025 • 19 mins

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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Breaking the Health Insurance Mold: The New Health Plan Playbook with Louis Bernardi [Ep. 176]

May 21, 2025 • 32 mins

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 …

Your 5-Year Retirement Countdown: Key Steps to Take Now [Ep.175]

May 7, 2025 • 18 mins

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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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 …

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 …

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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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;}How to Avoid a Tax Time Bomb in Retirement (Ep. 185)

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}Our recommended title: How to Exit Your Business on Your Terms with Paul Cronin (Ep. 184)

SIMPLE IRA vs. 401(k): What’s Best for Your Business? (Ep. 183)

Charitable Giving in Retirement & Smart Tax Strategies to Maximize Your Impact with Joshua Chadajo (Ep. 182)

What Should You Do with Your 401(k) When You Retire? (Ep. 181)

Top Retirement Tax Pitfalls to Avoid with Rob Premselaar (Ep. 180)

How Much Cash Should You Have in Retirement? (Ep. 179)

More Time, Less Stress: Why Smart Businesses Are Outsourcing Their Bookkeeping with Cheri Giglia (Ep. 178)

The 6 Retirement Mistakes To Avoid (Ep. 177)

Breaking the Health Insurance Mold: The New Health Plan Playbook with Louis Bernardi [Ep. 176]

Your 5-Year Retirement Countdown: Key Steps to Take Now [Ep.175]

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]

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]

Popular Podcasts

How to Avoid a Tax Time Bomb in Retirement (Ep. 185)

Our recommended title: How to Exit Your Business on Your Terms with Paul Cronin (Ep. 184)