Retirement Unlocked

People with disabilities may face challenges when engaging in everyday activities. However, participating in competitive sports can be even more daunting for them.  What can we do to provide them with the necessary support? Join us in this release as Larry Heller, CFP®, CDFA®, sits down with Caroline Gaynor, Vice President, Relationship Director & Investment Specialist at Avantis Investors. Du...

We all dream of those golden years when we can kick back and enjoy our retirement, knowing we have worked extensively for the money now used in retirement.  But getting to that point requires a series of different checkpoints that will determine if you are truly ready to retire with confidence.  In this episode, Larry Heller, CFP®, goes through several different considerations you will have to enc...

From divorces and inheritance disputes, to fraud investigations and business partnerships gone sour, there are a number of reasons you may want to consider hiring an expert financial investigator.   In this episode, Larry Heller, CFP®, sits down with Philip Segal, author of The Art of Fact Investigation: Creative Thinking in the Age of Information Overload , as he discusses his expertise in the fi...

With the emergence of the new SECURE (Setting Every Community Up For Retirement Enhancement) Act 2.0, there are upwards of 100 different changes made that will affect the onset and process of your retirement. The one in the hot seat today is the RMD (Required Minimum Distribution) age change.  In this episode, Larry Heller, CFP®, discusses one of the most important changes for those nearing RMD ag...

Most people don’t prepare for a divorce before they get married. In most divorces, property that was acquired during the marriage is subject to division between the spouses depending on a number of factors.  Dividing assets and understanding how they are calculated post-separation is a crucial step in the divorce process. A QDRO can be used to divide retirement assets between the two spouses...

When today’s guest witnessed her 5-year-old daughter squeal with delight by inserting a quarter into a vending machine, she knew she had to instill proper financial habits, and fast. Did you know that by the age of seven, most children have built their foundation for how they view, and spend money? To help ward off life-long implications from poor spending decisions, Karen Tenenbaum, Esq, CPA, co-...

Calling all women!! Are you currently in a position where your partner manages your finances and you have no idea what they are? Then it’s time for you to get more involved in these conversations. Being aware of your assets and investments while truly understanding all of your finances is more important than ever. It allows you to take the burden off your future self in case you are faced with a b...

A Cash Balance Plan allows you to put away larger amounts than a traditional defined contribution retirement plan.  In this episode, Larry Heller, CFP®, is joined by David Yackel from Pension Review Services to talk about all things cash balance planning. David discusses:  How a cash balance plans differ from your traditional defined contribution retirement accounts Why a cash balance plan is bene...

When life feels like it is running faster than you can handle, don’t you wish that you had some sort of manual to keep your life in check? Organizing your finances can help you avoid late fees and missed payments, and help you reduce stress and free up your time to do things you enjoy. In this episode, Larry Heller, CFP® welcomes the founder and CEO of Judith Heft & Associates, Financial and L...

To avoid worrying about day-to-day stock market volatility, it might be a good idea to start investing with the reservoir strategy. Turn off the media, stop listening to those so-called experts that make short term predictions in the stock market. Have a plan in place especially when you are withdrawing money to create an investment portfolio that provides three reservoirs so you can stop worrying...

Do you have trouble seeing clearly? Low vision refers to anything less than 20/20, accompanied by some sort of blur, or loss of vision. To help correct it, there are a number of helpful solutions available, such as different types of lenses, adjusting your diet, reviewing your overall health and bloodwork with your family doctor and mineral supplements.  In this episode, Larry Heller, CFP®, is joi...

Calling all members of the sandwich generation!  As your parents age, you start to ask yourself a number of questions. What will happen when they are no longer able to live independently? When is a good time to step in, and offer help?  Is it a good idea to get a third party to help pay bills on their behalf? In this episode of the Life Unlimited podcast, Larry Heller, CFP, discusses the benefits...

Due to high inflation rates, the ever-changing state of the markets, and many driving factors that have altered the economy, we want to help you save on taxes so that your money can stay safe in YOUR pockets.  In this episode, Larry Heller, CFP®, is joined by Matthew Taus, CPA, CFP®, to talk about strategies businesses, and individuals qualify for, and can use to help them save money on their inco...

The Stock Market is having a down year, and we want to help save you some money on your taxes! Enter, Tax Loss Harvesting. What is it? It’s an investment strategy that starts with the unrealized losses, and ends with money in your pocket.  In this episode, Larry Heller, CFP®, breaks down why and how you can make unrealized losses into realized losses to save money on income taxes. Larry discusses:...

Despite common belief, prenuptial agreements are not just for the ultra-rich. They can benefit anyone from any financial background. In this episode, Larry Heller, CFP invites matrimonial attorney Sandra Radna, Esq to discuss prenuptial agreements and what benefits they serve to both individuals in a marriage. Sandra also discusses how prenuptial agreements do not come as one-size-fits-all, and hi...

One of the last things you want to worry about when you lose a loved one are the numerous non-financial tasks after the loss of a loved one. Unfortunately, this is the reality for a lot of people. In this episode, Larry Heller invites Ronnie Genser, President at Bereavement Navigators, to discuss all you need to know when it comes to navigating the myriad of taxes after the loss of a loved one, es...

If you’re thinking about retiring, but the recession has you worried, have no fear, with proper planning, you can make decisions that are right for you. What types of things should you be reviewing with your financial advisor when the economy looks like it is headed into a recession? In this episode, Larry Heller, CFP® discusses how you can make an educated decision when deciding whether you...

You’ve done it. You’ve invested, saved, and properly allocated your money to live a fulfilling retirement. But now the economy has entered a bear market and you don’t have as much money as you thought. A bear market can cause you to make knee-jerk reactions that can affect your retirement plan.  In this episode, Larry Heller, CFP ® discusses how to navigate a bear market and shares some strategie...

Entering retirement can feel like crossing the finish line of a marathon, however, that doesn’t mean the race is entirely over. A large struggle people face when they enter retirement is establishing their new identity outside of the workplace and staying engaged with the things that give them purpose. In this episode, mindset mentor George Jerjian, a formal financial advisor and a prolific author...

Will your net worth be transferred to your heirs the way you intend it to? How do you know?     In this episode of Life Unlimited, Larry shares some real life stories of major mistakes he has seen with respect to a will, beneficiary or the titling of an asset. Listen in to hear some advice to make sure your estate planning wishes are kept up to date with your current family dynamic. Larry discusse...

99% of people will become a widow or widower at some point in their life, so financial preparation will be helpful during this emotional time. In this episode, Larry Heller guides you around ways to make financial planning easier during this major life transition by revealing key steps you’ll want to incorporate into your financial planning should you become widowed. Plus, he explains why financia...

Inflation is beyond our control. However, there are ways you can mitigate the effects of inflation — both now and in retirement. Discover how in this episode, as Larry Heller, CFP®, highlights ways inflation affects our lives and the steps that you can take to protect yourself and your retirement against it. Larry discusses:  What to consider with both your planning and investing when it comes to...

It can be extremely emotional and difficult to navigate the many hurdles that come with a divorce.   In this episode, Larry Heller, CFP®, joins Ilyssa Panitz, a divorce journalist, who shares practical insights on both the financial and non-financial Dos and Don’ts when navigating a divorce.    Ilyssa discusses:  The first steps you should take in a divorce and how it influences your financial fut...

Getting divorced later in life can be more complicated than you may anticipate. Have you considered how your retirement plan will be impacted if you and your spouse separate? In this episode, Larry Heller, CFP®, explains how divorce later on in life can impact your retirement planning, and what steps you can take when going through the divorce process. He also shares how you can gain more control...

Retirement is a huge milestone that you’ve spent your life saving for. But have you planned for what your retirement will actually look like, from a non-financial perspective? If you ask someone, “what are you going to do in retirement?”, you may find that a lot of people can’t tell you. In this episode, Larry Heller, CFP®, welcomes Reid Stone, founder and chief executive officer of My Life’s Enco...