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Retirement Unlocked

Larry Heller

189 episodes

22 hours ago

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!

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All content for Retirement Unlocked is the property of Larry Heller and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

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!

Show more...

Episodes (20/189)

Retirement Unlocked

Later-in-Life Marriages: What You Need to Protect (Ep. 187)

When love finds you later in life, what happens to your legacy? With over 1,300 stepfamilies forming every day, later-in-life relationships are more common than ever, but so are the financial complexities that come with them. Whether you’re remarrying, cohabiting, or just exploring the next chapter, decisions around Social Security, estate planning, asset titling, and … Read More Read More

22 hours ago

20 minutes 39 seconds

Retirement Unlocked

Modern Estate Planning for Modern Retirees with Wendy Goidel (Ep. 186)

Planning for the future isn’t just about what you leave behind; it’s also about how you live today. Yet far too many retirees assume that a simple will is enough to protect their assets, their wishes, and their loved ones. In reality, effective estate planning involves proactive decisions, coordinated professionals, and a clear vision for … Read More Read More

3 weeks ago

27 minutes 7 seconds

Retirement Unlocked

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

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®, … Read More Read More

1 month ago

20 minutes 6 seconds

Retirement Unlocked

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

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 … Read More Read More

1 month ago

23 minutes 16 seconds

Retirement Unlocked

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

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 … Read More Read More

2 months ago

22 minutes 24 seconds

Retirement Unlocked

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

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 … Read More Read More

2 months ago

23 minutes 10 seconds

Retirement Unlocked

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

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 … Read More Read More

3 months ago

20 minutes 51 seconds

Retirement Unlocked

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

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 … Read More Read More

3 months ago

28 minutes 54 seconds

Retirement Unlocked

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

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 … Read More Read More

4 months ago

12 minutes 42 seconds

Retirement Unlocked

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

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, … Read More Read More

4 months ago

26 minutes 5 seconds

Retirement Unlocked

The 6 Retirement Mistakes To Avoid (Ep. 177)

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 … Read More Read More

5 months ago

19 minutes 39 seconds

Retirement Unlocked

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

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 … Read More Read More

5 months ago

32 minutes 20 seconds

Retirement Unlocked

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

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 … Read More Read More

6 months ago

18 minutes 46 seconds

Retirement Unlocked

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

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 … Read More Read More

6 months ago

26 minutes 16 seconds

Retirement Unlocked

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

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 … Read More Read More

7 months ago

19 minutes 42 seconds

Retirement Unlocked

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

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 … Read More Read More

8 months ago

26 minutes 8 seconds

Retirement Unlocked

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

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 … Read More Read More

8 months ago

22 minutes 18 seconds

Retirement Unlocked

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

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 … Read More Read More

9 months ago

29 minutes 8 seconds

Retirement Unlocked

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

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 … Read More Read More

9 months ago

21 minutes 56 seconds

Retirement Unlocked

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

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 … Read More Read More

10 months ago

29 minutes 11 seconds