Retirement Unlocked

What is a fiduciary? Investment advisors, financial advisors, and wealth managers can all adhere to different legal obligations. But how do those duties differ between different types of financial professionals? In this episode, Larry Heller, CFP®, welcomes Stephen Brodsky, Esq., a corporate partner as they explore fiduciary duties in the financial industry. Stephen helps to simplify the legal ter...

Our firm creates financial resilience, find out what that means.   In this episode, Larry Heller, CFP ®, highlights how his business is so much more than just an investment management company—it is a place where you can achieve financial resilience. Larry dives into all the ways that they help their clients achieve their financial goals. Larry discusses: Why it is important to know your ambitions...

Do you have a mantra that you repeat to yourself daily? How do you ensure that you are in the right mindset to accomplish all that you set out to do in a day? Larry is thrilled to have Donna Martini, cognitive coach and creator of Positive Manipulation®, back on the show for the latest episode of Life Unlimited! Larry and Donna discuss how positive manipulation can be applied to your personal aspi...

“We hit 100 and we’re not stopping!” – Larry Heller, CFP® Larry has reached his 100th episode of the Retire Right podcast, a huge milestone in podcasting. During these episodes, Larry has provided his audience with all kinds of valuable information on various topics surrounding retirement.  Now, we’re taking a moment to reflect on the podcast so far — and to break down the exciting new...

What are you going to do every day in retirement? As you think a little bit more about retirement, there are five important planning steps to keep in mind.  In this episode, Larry Heller discusses each of the five steps to start planning for a well lived retirement. This episode will help you start visualizing your dream retirement and what it looks like for you! Larry discusses:  Visualizing your...

If you still haven’t started your year-end planning yet, now is the time to start. Planning will help you keep more money in your pocket and less in the government’s pocket. In this episode, Larry Heller shares year-end planning recommendations for retirees so you don’t miss any of these timely planning opportunities. Larry discusses:  Why retirees need to take their acquired minimum distributions...

You don’t know what you don’t know. Whether you are contemplating divorce or are in the process, you want to protect yourself by having the proper communication and documentation. In this episode, Larry Heller talks with Keren Birnbaum, Esq. a partner with Schwartz Ettenger, PLLC who focuses on estate planning, trust and estate administration, and elder law. Keren shares 10 common estate planning...

Life insurance should be customized to you and your needs. As such, your planning professional should provide you with multiple options for insurance that will fit your lifestyle and unique circumstances. In this episode, Larry Heller interviews Neil Himmelstein, the owner of Main Street Planning Group. Neil reveals the value of customized life insurance and shares strategies and tips you can star...

It’s not what you make but what you keep. Do you know that the taxes you pay on your investments can vary? Well then, this episode is for you! In this information-packed episode, Larry Heller discusses diversification, taxes, and different strategies you can use to maximize your return by minimizing your taxes.   Larry discusses:  What cost basis is and how to lower your capital gains tax How to s...

These days, climate change is a big topic everyone is talking about. But do you know what is and isn’t covered under your home insurance policy? In this episode, Larry Heller talks with Paul Wickel, a insurance producer at Remco Agency, about the different homeowner policies available and what you might be missing in your coverage to protect yourself from expensive claims. Paul discusses:  Who nee...

Why is boring sometimes better when it comes to investing? Find out in this episode, as Larry Heller explains why boring can be better when it comes to investing. Plus, discover how “boring” compares to the things that people typically want to talk about with investing. Larry discusses:  Why boring can be better when creating a investment strategy Mutual funds versus individual stocks Benefits of...

Do you struggle with making sure your household bills are paid correctly and on time? Did you know that there are options designed to help you stay on track securely and without stress? In this episode, Larry Heller speaks with Marci Lobel-Esrig, founder and chief executive officer of SilverBills, a concierge bill management company designed to help the elderly age with dignity and security. Marci...

Whether you’re three years away from retirement or are in retirement now, many pre-retirees and retirees have the same question in mind: How much cash do I really need? In this episode, Larry Heller reveals his answer to this question and shares what’s going to have a dramatic effect on your cash during your retirement planning. Plus, he discusses how to stay the course with your money so you can...

Yoga is beneficial to both the mind and the body. Through yoga, you gain mental and physical strength, an elevated spirit, and improved balance, focus, and concentration. This practice teaches you how to stay grounded and present in the moment, and how to let go of things that no longer serve you. In this insightful episode, Larry Heller welcomes Sandra K Schoenbart and Joanne de Simone, authors o...

Asset allocation is one of the most important concepts for investors to grasp.  That’s why one of the most-asked investment questions is, “How can we achieve optimal asset allocation, particularly during retirement?” In this episode, Larry Heller addresses some of your questions and fears about asset allocation for retirees. He provides sound advice on your investments and walks you through some o...

As New York gradually reopens and restrictions begin to lift, many people are wondering how soon they can resume traveling, how safe travel will actually be, and what needs to be considered before booking their next trip.  Today, Larry Heller speaks with Gary Portuesi, a travel consultant and the managing director and owner of Authentic Explorations. They discuss what travel will be like post-pand...

As you age, many things will change, including your health. How can you stay healthy and active so you can enjoy the retirement you’ve worked so hard to achieve? Find out in this episode, as Larry Heller speaks with Christine Rosenbloom, President of Chris Rosenbloom Food & Wellness Services, LLC. Christine discusses the benefits of maintaining a healthy lifestyle as you age and shares her top...

According to a 2019 study by GOBankingRates, 73% of Americans have not had a conversation about finances with their aging parents. Meanwhile, 23% have tried to approach the subject, but their parents refused to engage in the conversation. Furthermore, 19% are afraid to bring up the subject at all, and 17% believe talking about money is a taboo in their family. However, this talk is not something y...

Are you a baseball fan? If yes, then this is an episode you won’t want to miss! Join Larry Heller as he sits down with longtime client and baseball historian, Ira Dornstein. Ira Dornstein takes you on a journey through baseball’s history, including unforgettable moments and insider information you may not find anywhere else!  You will learn:   The origin of baseball  Did Abner Doubleday really inv...

Many retirees underestimate the risks associated with their investments and financial plans, which can result in costly mistakes that could have easily been avoided if they had adequately planned for retirement. To help you avoid making common retirement planning mistakes, in this episode, Larry Heller, CFP® reveals five key planning mistakes and shares tips for avoiding them so that you can Retir...

Approximately 15% of people behind the wheel don’t have any automobile insurance coverage. What happens if you’re injured by one of those people?  Find out in this episode, as Larry Heller speaks with Brian Murphy of Rappaport, Glass, Levine & Zullo LLP. As a personal injury trial attorney, Brian represents individuals all over the New York Metropolitan area who have been catastrophically inju...

When it comes to investing, you don’t need to time the stock market to be successful.    In this episode, Larry Heller, CFP® shares his insight and expertise about investing in the stock market. He explains why you should avoid worrying about short-term market fluctuations which you cannot control. Instead, you should focus on areas that are within your control for the best results.   You will lea...

“You’ve dreamed of retirement for decades, and have even worked hard to save for it. But what will your life look like when you stop working? ” In this episode, join Larry Heller as he speaks with the authors of Retirement Heaven or Hell , Mike Drak and Susan Williams.  Together, Mike and Susan reveal why they’re on a mission to help people understand the opportunities retirement can offer them an...

What can you expect when working with us?  Find out in this episode, as Larry Heller guides you through the process he and his team use at Heller Wealth Management!  To help you get an idea of what working with his team will look like, Larry shares detailed insight on how they transform your vision into a financial plan and investment strategy that will help you achieve your financial aspirations...

Are you thinking of settling your divorce out of court? Here’s what you need to know!  In this episode, Larry Heller welcomes Michael Fried, partner at Berkman Bottger Newman & Schein LLP. As an experienced litigator and trial attorney in the field of matrimonial and family law, Michael breaks down three types of dispute resolution services he provides at his matrimonial firm in New York...