Retirement Unlocked

Do you know the difference between Medicare and Medicaid? Today, Larry Heller breaks down common misconceptions with the help of Kevin Condon, a lawyer who specializes in elder law estate and long-term care planning. To help listeners understand the inner workings of Medicaid, Larry and Kevin explain how it differs from Medicare. Then they clear up misconceptions they’ve both encountered with clie...

Investing can feel stressful when it seems like people we know and media are constantly making predictions about the market. Who can you trust? What information is actually going to help you invest wisely? Larry Heller is hoping to bring clarity to your investment experience in this episode. By tuning in, you’ll learn 10 guidelines, which includes resisting the urge to outguess the market and prac...

  In this episode, Larry Heller shares how you can build your ideal financial plan using his four pillars: mindset, strategy, tactics, and progress. These are the key elements that make up the Complete Financial House process that Larry and his team implement with their clients. Join Larry as he explains how each pillar can support your financial plan, along with what to consider when executing th...

Have you checked up on your personal finances lately? In this episode of the Retire Right Podcast, Larry Heller provides an in-depth look at the five financial areas to check at the mid-year mark. From making adjustments after a salary increase, to making the most of the new tax law, Larry covers everything you need to know to ensure your finances are working for you. Listen now as Larry gives you...

In this episode, Larry Heller speaks with Dan Goldberg to discuss what life care managers are and why you should consider hiring one. Dan Goldberg is the president and managing director of IKOR of the North Shore Long Island, a life care management company for seniors and individuals with disabilities. With our aging population, it’s more important than ever to consider how you will get the best c...

In this episode, Larry meets with David Gaynes, co-president of Chillin’ With Adam: The Adam Gaynes Foundation. David and his wife created this non-profit organization in honor of their 11-year-old son, Adam, who passed away after his lifelong battle with a brain tumor. Inspired by Adam’s courage and spirit, Chillin’ With Adam funds projects and programs at hospitals and schools to help make life...

In this episode, you’ll meet one of Larry’s clients, Ivan Ziegler, the Long Island Chapter President of Friendship Force International. Friendship Force International is a non-profit cultural organization that focuses on promoting understanding, cultural education, and citizen diplomacy through homestay journeys and personal friendships. By bringing together people from different cultures and back...

Today, Larry Heller and Matt Halloran discuss housing and financial strategies for retirees. Since your house is a significant asset, it’s important to consider what you’d like to do with your home once you retire. Will you stay in your home for a period of time or move right away? Will you convert your home equity line to a traditional mortgage? Which financing options are suitable for retirees w...

Are you investing solely in one stock? In today’s podcast, Matt Halloran and Larry Heller discuss why some people invest in only one stock and why that singular approach to investing is risky. Listen in as Larry highlights examples of historically successful companies whose stocks have taken a nosedive. If you’ve ever heard that it’s beneficial to diversify your portfolio, but you’re unsure of why...

On today's podcast, Larry Heller brings on a guest to discuss the financial considerations that go along with divorcing later on in life. Who better to discuss this topic with than Gayle Rosenblum, an award-winning matrimonial and family law attorney of Rubin and Rosenblum, PLLC. In this episode, Gayle and Larry explore the special challenges that older adults face when they’re going through a div...

Do you want to put more money in your pocket after taxes?  When planning for retirement it is not only wise to include an investment strategy, it is also good to implement strategies to minimize income taxes on that investment strategy.  It is time to take a look at what your taxes are and how they affect your investments. Learn more in this episode as I take you through some strategies on how to...

Stock Markets will go up and down over the course of a lifetime. You want to be prepared for these fluctuations, especially in retirement. A steady income stream will help you in a volatile market allowing you to sleep better at night. In this episode, I share investment strategies to take during retirement to help put you at ease. Learn How to Retire Right with Complete Financial Advice at: Helle...

Do you know the fundamental pieces to estate planning?  It is critical for everyone to understand what documents are needed, the importance of the documents, techniques needed for estate planning, and how estate planning has been impacted by the recent tax law changes. Learn more in this episode as I interview a very special guest, Michael Nolan, a Trust and Estate Planning Attorney with offices i...

To understand what a Roth is, we must understand the differences between both a Roth and a traditional IRA. Before you and your advisor decide what’s best for you, it’s important to clearly understand what makes each type of IRA unique. Learn more in this podcast as I share more about how and when to use a Roth. Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management 

In this episode, Larry gives 10 keys to revamping our finances for a successful 2018. Grab a piece of paper and jot down this list of practical tips, which could set you up for the next 10 years and beyond. Join Larry as he shares his top 10 financial steps for 2018! Learn How to Retire Right with Complete Financial Advice at: Heller Wealth Management 

This December will be the month that marks the finalization and voting of the new tax bill. This new tax bill will impact both corporate and personal taxes.  Changes brought about by the tax law are sure to affect different facets of our financial plans, including how we plan for retirement. Learn more about the new tax bill from Larry Heller and guest Mike Kessler, CPA in this podcast:   Guest Sp...

When transitioning from working to retirement there needs to be a change in our investment portfolio. This is because during retirement, the investment portfolio becomes a source of income, meaning you will draw money from it. It’s important to have a portfolio setup so you can stay on track during the course of your retirement. Learn more about creating an investment portfolio for retirement in t...

While it’s valuable to build wealth, it’s also equally important to keep your money. Taxes are one of the key things that we should account for in doing so. The more you can save on taxes, the more money you can potentially earn. It’s important for your financial advisor to look at all strategies available to help optimize tax and ensure you’re keeping most of your money intact.   Learn more about...

Survivor and Divorce benefit options are one of the largest aspects of Social Security that most people do not understand.  Those who are eligible for the benefits may miss out on a lot of value, as they are not aware of the benefits and what they are entitled to. Larry shares more on understanding the benefits and how to efficiently maximize your Social Security. Learn more about the Social Secur...

Maybe you're planning to apply for Social Security today, a year from now, or 10 years from now. Will you and your spouse know how to maximize its potential benefits? There's a lot to know, but Larry spells it all out in his latest podcast. Listen in as Larry explains innovative ways that you can coordinate Social Security benefits with your spouse: Learn How to Retire Right with Complete Financia...

Many people make mistakes when determining the best time to start taking their social security. Everyone is different, which makes every situation is unique. There isn’t one clear strategy that fits everyone’s needs. In this podcast, Larry shares the primary five factors you need to consider while deciding when to start taking your social security. Learn How to Retire Right with Complete Financial...

In this podcast, Larry shares insight on the Social Security benefits to help clear up the misunderstandings people commonly have.  This four-part series will help you understand the ins and outs of Social Security, including eligibility, when to collect, and what to collect. Learn more about Social Security in this podcast with Larry Heller, as he discusses the first part of the four-part series:...

In this podcast, Larry Heller shares the biggest question people ask when nearing retirement: “How much money can I spend?” Most people don’t even know the amount they spend currently, and in order to determine what they can spend in retirement, they need to know their current expenses. Here are 4 questions that need to be answered to determine what you can spend in retirement: Learn How to Retire...

Larry shares more about the concerns clients have when preparing for retirement. Over the years, financial professionals have met with hundreds of clients, and for the most part, they have similar concerns. In fact, there are seven concerns that stand out from the rest, as they are the main points people looking to retire are most worried about. Learn more about the seven biggest concerns clients...

Larry shares more on the Fourth Pillar of the Complete Financial House – Progress. A financial planner will help you set a strategy and game plan towards your goal, although sometimes it’s hard to stay on track with plans we’ve put in place. Having a planner who is fully dedicated to the plan is recommended. We also want to keep looking at the plan regularly and have short-term goals we can meet o...