Transitioning Into Retirement And Gaining A New Purpose With George Jerjian (Ep.110) Life Unlimited With Larry Heller, CFP(R) podcast

19:42

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 income tax. Listen as Matt and Larry discuss: How businesses can benefit from a qualified business income deduction Not to forget to incorporate recent tax law changes to lower what you owe Steps you must take before year end to lower your personal income taxes Retirement Plans you can contribute to in order to reduce your taxable income And more Resources: Tending Your Investment Strategy with Tax Loss Harvesting (Ep.115) Navigating A Bear Market As A Soon-To-Be Retiree (Ep. 111) Year-End Planning Recommendations for Retirees (Ep. 98) Connect With Matthew Taus: LinkedIn: Matthew Taus Wild, Maney & Resnick, LLC Email Matt Taus (516) 364-8888 Connect With Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management About Our Guest: After starting his career with KPMG performing audits of large multinational companies Matthew Taus transitioned to financial and tax planning for a diversified group of mid-size business and individuals focusing on advising high wealth clients in the areas of trust, estate and gift tax planning matters. Matthew is an executive board member of the National Conference of CPA Practitioners and the Estate Planning Council member of the American Institute of Certified Public Accountants Financial Planning Association and New York State Society of CPAs. He regularly speaks and writes on tax manners for organizations and publications and now he is here to offer his insight on our podcast.…

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Tending Your Investment Strategy with Tax Loss Harvesting (Ep.115) 16:58

2 years之前16:58

16:58

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: The Tax Loss Harvesting Process Offsetting Taxable Gains with Losses What is a wash sale and why you must avoid Carry Forward Losses And more Resources: Download a Free Copy of Tax Loss Harvesting Checklist Connect With Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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Everything You Need To Know About Prenuptial Agreements With Sandra Radna, Esq (Ep.114) 20:58

3 years之前20:58

20:58

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 highlights how you can create an agreement that matches your wants and needs. Sandra discusses: How prenuptial agreements can protect you and your spouse during a marriage Why prenuptial agreements are not just for multi-millionaires (despite common belief) How much time prior to the wedding you should establish a prenuptial agreement What is a postnuptial agreement? And more Resources: You’re Getting Divorced…Now What? By Sandra M. Radna, Esq. Life Unlimited: Navigating The Myriad of Tasks After The Loss of a Loved One with Ronnie Genser (Ep.113) Connect With Sandra Radna: LinkedIn: Sandra Radna RadnaLaw.com Connect With Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management About Our Guest: Sandra M. Radna Esquire is an award-winning New York attorney, and the owner of Sandra M. Radna P.C. Sandra has been published and quoted in a number of periodicals concerning the intersection of finances and matrimonial law, including CNBC.com, Yahoo Finance Observer, Business Insider, and more. She's also the author of the book “You're Getting Divorced…Now What?”.…

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Navigating The Myriad of Tasks After The Loss of a Loved One with Ronnie Genser (Ep.113) 27:08

3 years之前27:08

27:08

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, especially a spouse. Ronnie discusses: How the loss of a loved one impacted her career and finances How to prepare for the loss of a spouse from a non-financial standpoint What inspired her to found Bereavement Navigators, a company that helps widows and widowers navigate the myriad of non-legal and non-legal and non-financial aspects of losing a loved one How to navigate Social Security for the deceased without the headache And more Resources: Life Unlimited: What You Need To Know About Retiring in a Recession (Ep.112) Connect With Ronnie Genser: LinkedIn: Ronnie Genser Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management About Our Guest: Ronnie Gensers’ professional background includes over 20 years in international and domestic sales, marketing, training and consulting. Unfortunately, Ronnie's successful career path took an unexpected turn after the sudden death of her husband. The things Ronnie learned about what she needed to do after her husband's death include how to organize the numerous and unexpected tasks and the resources she found and the tips she learned. She now shares her work as a Bereavement Navigator with widows, widowers, adult children, and other relatives who have lost loved ones.…

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What You Need To Know About Retiring in a Recession (Ep.112) 23:31

3 years之前23:31

23:31

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 your retirement plan is fit for the costs of a recession. Larry discusses: The importance of knowing your retirement expenses prior to retiring How to know if your retirement plan is compatible with a recession The analysis you can do on your retirement plan to strengthen it against inflation What you can do if you are forced to retire And more Resources: Life Unlimited: Navigating A Bear Market As A Soon-To-Be Retiree (Episode 111) Connect With Larry Heller CFP®: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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Navigating A Bear Market As A Soon-To-Be Retiree (Ep.111) 25:48

3 years之前25:48

25:48

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 strategies to use when going through a bear market in retirement. Larry discusses: How to find out your risk tolerance in a bear market How you can review and rebalance your asset allocation during a bear market What you should be doing with your cash right now Ways to remain calm when your portfolio continues to go down And more Resources: Life Unlimited: Transitioning Into Retirement and Gaining a New Purpose with George Jerjian (Ep.110) Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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Transitioning Into Retirement and Gaining a New Purpose with George Jerjian (Ep.110) 31:20

3 years之前31:20

31:20

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 who recently released “Dare to Discover Your Purpose: Retire, Refire, Rewire,” discusses the reality of new retirees and offers solutions to help overcome the common struggles people face after the honeymoon phase of retirement is over. George discusses: The moment that altered the course of his life forever The concept of identity and how you can avoid struggling with it during retirement Why wealthy people never fully “retire” What the DARE program stands for and how it can help you in retirement And more Resources: “Dare to Discover Your Purpose: Retire Refire, Rewire” by Geroge Jerjain Connect With George Jerjian: George Jerjian LinkedIn: George Jerjian Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management About Our Guest: As a formal financial advisor, George is on a mission to help retirees create a plan for their later years which is about much more than money for him. It is all about making a difference and helping those heading for retirement, creating a life of purpose, passion, and potential that reflects how we live today. George has authored 11 books including his most recent release Dare to Discover Your Purpose. George works with clients across the world, from the UK, the US, Canada, as well as Australia and New Zealand.…

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Common Errors To Avoid When Passing Money To Your Heirs Upon Death (Ep. 109) 23:51

3 years之前23:51

23:51

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 discusses: Steps to take to ensure what you want happens after you pass away How to properly distribute money to a minor child Three areas to review to avoid common mistakes The risks of having an outdated will And more Resources: Life Unlimited: Taking Financial Responsibility Before You’re a Widow or Widower (Ep. 108) Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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Taking Financial Responsibility Before You’re a Widow or Widower (Ep. 108) 23:43

3 years之前23:43

23:43

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 financial discussions between spouses are important, especially in the later years of life. Larry discusses: Concepts to include in your financial plan for when you become a widow or widower How tax situations may shift when one spouse becomes widowed The potential shift in insurance coverage as a widow or widower How editing a will after one partner has passed may be required And more Resources: Life Unlimited: Strategies For Living With Inflation (Ep.107) Checklist: What Issues Should I Consider If My Spouse Passes Away Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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Strategies For Living With Inflation (Ep.107) 17:37

3 years之前17:37

17:37

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 inflation The cash strategy of having two to three years of your expenses in cash Investments to use as a hedge against inflation How a “tax bracket creep” works And more Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management…

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The Do’s and Don’ts When Facing a Divorce With Ilyssa Panitz (Ep.106) 30:47

3 years之前30:47

30:47

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 future Other Professionals beside your Matrimonial Attorney Where to get support when going thru a divorce The importance of not disrespecting the other parent in front of your children Advice for how to transition smoothly into a new stage of life post-divorce And more Resources: The Divorce Hour with Ilyssa Panitz 10 Critical Steps to Take Once Your Divorce Agreement is in Place Connect With Ilyssa Panitz: LinkedIn: Ilyssa Panitz Instagram: Ilyssa Panitz IlyssaPanitz.com Connect With Larry Heller: Email Larry (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management About Our Guest: Ilyssa Panitz is the only divorce journalist solely committed to helping others navigate this major life transition by exclusively covering every angle of this topic. Ilyssa writes a daily column on divorce for Authority magazine on Medium. She also serves as an editorial producer for the national association of divorce professionals and was former co-host of All Things Divorce on Clubhouse. Most recently, Ilyssa has been able to reach an even wider audience through her role as creator writer, producer, and host of a national radio show called The Divorce Hour with Ilyssa Panitz that airs every Saturday and Sunday on CRN digital talk radio, and then on Spotify, Google podcasts, iTunes. While navigating many of the hurdles that come with divorce, Ilyssa has developed both an emotional and practical insight to this transition, which she is passionate about sharing with others. Ilyssa fully understands the ups and downs of the journey and is making it her mission to help educate, guide, empower, comfort, and build confidence in others going through this painful experience. Ilyssa Panitz is known as the divorce journalist.…

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How Getting Divorced After 50 Impacts Retirement Planning (Ep.105) 21:56

3 years之前21:56

21:56

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 over what happens to your investments and assets during a divorce. Larry discusses: Why it is important to determine who is the non-financial spouse Why your housing costs can have a significant impact on your retirement plan Why it's helpful to know what your living expenses and income is prior to divorce The importance of knowing the rules of Social Security if you’re divorced And more Resources: 10 Step Process for Divorcees by Heller Wealth Management Connect With Larry Heller: Email Larry (631) 293-2806 Schedule a 20-Minute Call Heller Wealth Management…

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Preparing for Retirement Through a Non-Financial Lens with Reid Stone (Ep. 104) 34:21

3 years之前34:21

34:21

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 Encore (MLE) to discuss how retirement coaches can be your guide to preparing for the non-financial side of retirement. He challenges you to think about the time spent planning for retirement as an investment that generates future returns. Reid discusses: Why it is important to plan for the non-financial aspects of retirement – in the physical, mental, social, and spiritual terms Why retirement is changing and how a retirement coach can be valuable when you are planning for retirement How non-financial planning connects to financial planning to create a more successful and happy retirement How and when to find a retirement coach right for you And more Resources: The Retirement Coaches Association The Retirement Challenge: A Non-financial Guide From Top Retirement Experts The Strategic Value of Helping Clients Plan Their Ideal Retirement Lifestyle Connect With Reid Stone: MyLifesEncore.com Reid@MyLifesEncore.com 952-994-8937 MyLifesEncore.com/blog LinkedIn: Reid Stone Twitter: AdvisoryQuest Connect With Larry Heller: Email Larry (631) 293-2806 Schedule a 20-Minute Meeting Heller Wealth Management About Our Guest: Being part of the financial advisory industry for 20+ years, I noticed that clients are focused on the financial side of retirement but are often unprepared for the non-financial aspects of retirement (The Other Side of Retirement) that include the mental, emotional, social, physical, and spiritual. My Life's Encore was originally created to educate advisors, HR professionals, and the general public about the importance of planning for the non-financial aspects of retirement. I believe that education and guidance are the keys to a more successful retirement. My focus is helping financial services companies educate clients and implement non-financial retirement planning to help clients and also benefit their firm. You can learn more about the changing face of retirement at MyLifesEncore.com. My white paper, The Strategic Value of Helping Clients Plan Their Ideal Retirement Lifestyle- Planning for the Non-Financial Aspects of Longevity In An Age of Longevity, is available for download from my website (under Resources). In previous roles I led financial advisory firm operations. I enjoyed strategically growing and developing the businesses by continuously improving both operational efficiency and the client experience. Areas of leadership include project management, investment operations, investment performance reporting, technology integrations, compliance, hiring, training, and EOS (from the book Traction). Outside of the office I enjoy anything that keeps me active- bicycling, kayaking, walking, longboarding- as well as following the local sports teams and reading.…

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What You Need to Know About Fiduciary Duty Claim For Financial Professionals With Stephen Brodsky (Ep.103) 26:19

3 years之前26:19

26:19

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 terms used by financial professionals to give you a better understanding of their duties. Larry and Stephen discuss whether all financial advisors should be a fiduciary. Why and why not? Stephen discusses: What a fiduciary is in practical terms What a Regulatory Best Interest (Reg BI) is and what it means How his chapter in “Fiduciary Duty Claims Involving Investment Advisers and Other Financial Professionals” helps to clarify this often-confused part of the financial world And more Resources: https://www.americanbar.org/products/inv/book/419072477/ Connect With Stephen Brodsky: Email Stephen (646) 216-8300 Ext. 114 M: (516) 314-1407 LinkedIn: Stephen Brodsky Mazzola Lindstrom LLP Connect With Larry Heller: Email Larry (631) 293-2806 Schedule a 20-Minute Meeting Heller Wealth Management About Our Guest: Stephen Brodsky is a litigation and corporate partner with Mazzola Lindstrom LLP in New York City. He represents private companies, business owners, and executives in their business dealings and disputes. His practice is a mix of outside general counsel representation, transactional work, and complex commercial litigation. He spent the first half of his career in “big law” and has practiced for over twenty-five years. Outside of his practice, he serves in leadership positions both in the American Bar Association and New York State Bar Association. Stephen is also the author of a Chapter in a recently published Book discussing Fiduciary Duty Claims Involving Investment Advisers and other Financial Professionals.…

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What You Can Expect When Working with Heller Wealth Management (Ep. 102) 25:14

3 years之前25:14

25:14

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 and desires before creating an investment plan The importance of tax strategies when it comes to your investments and how to keep the most money Creating a financial plan so you know how much you need to save before retirement and how much you can spend after retirement Making sure your legacy plan is properly set up to your wishes And so much more! Connect With Larry Heller: Email Larry (631) 248-3600 Heller Wealth Management YouTube: Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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Applying Positive Manipulation in 2022 with Donna Martini (Ep. 101) 28:57

3 years之前28:57

28:57

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 aspirations to achieve success. Donna shares her expertise about the power of the mind and how concepts like mantras can be used to shift your outlook on life. Larry and Donna discuss: The long term effects of using mantras and applying self-healing processes to your life The power of visualization in terms of success and how this process can lead you to happiness in various aspects of your life How the human body is connected to the earth, and the ways in which the pandemic has contributed to a disconnect And more! Resources: The Ten Commandments of Divorce by Donna Martini My Mini Book of Mighty Mantras by Donna Martini 55. How to Affect Positive Change in Your Relationships — with Donna Martini Connect With Donna Martini: LinkedIn: Donna Martini Donna Martini’s Website: Mantra Mouse Connect With Larry Heller: Email Larry (631) 248-3600 Heller Wealth Management YouTube: Heller Wealth Management About Our Guest: Donna Martini is a cognitive coach and student of psychology who has authored many books including “My Mini Book of Mighty Mantras” and the “10 Commandments of Divorce”. She helped people tap into their inmate spiritual power and human potential. Donna has been a wellness and green activists for over three decades and recently created a cartoon character named Mantra Mouse to help spread messages of unconditional love, unity and forgiveness. Her company, DM Enterprises, LLC is a one-stop, design-to-completion entity that promotes physical, emotional, mental, and spiritual well-being through innovative environmental enhancements and the encouragement of a resolute mindset and healthy lifestyle practices. Every program, book, seminar, and office enhancement is custom fit to meet client needs.…

Life Unlimited with Larry Heller, CFP(R)

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100. The 100th Episode: Introducing Life Unlimited 15:30

3 years之前15:30

15:30

“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 news of the rebrand of the Retire Right podcast to the newly titled Life Unlimited. Find out what you can expect for the future of the podcast, as Larry looks back on how far he’s come! Larry also discusses: What inspired the change from “Retire Right” to the “Life Unlimited” podcast His favorite highlights and guests from previous episodes, including a professional organizer and a full-size model train enthusiast How you can suggest topics and content ideas for the Life Unlimited podcast Where you can expect to find the podcast — including video recordings And so much more! Resources: Heller Wealth Management YouTube Channel - Heller Wealth Management Connect With Larry Heller: Email Larry LinkedIn: Larry Heller (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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99. Five Important Steps to Take Before Retiring 16:05

3 years之前16:05

16:05

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 future life Tax and legacy planning How much money is enough money The impacts of long-term illness And much more! Resources: Retire Right: 98. Year-End Planning Recommendations for Retirees Heller Wealth Management Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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98. Year-End Planning Recommendations for Retirees 15:06

3 years之前15:06

15:06

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 Ways you can save money from taxes Roth conversion and cash flow planning strategies Charitable contribution planning strategies And more Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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97. 10 Common Estate Planning Mistakes Made by Divorcees With Keren Birnbaum, Esq. 31:20

3 years之前31:20

31:20

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 mistakes that divorcees need to be aware of to retire right. Keren discusses: Repercussions of not having estate planning documents The mistake of not updating your estate planning documents Not updating beneficiary designations in your retirement accounts and insurance policies Why it’s critical to educate yourself on the assets you own And more Connect With Keren G. Birnbaum, Esq: Email Keren 631-777-2401 ext. 31 Schwartz Ettenger, PLLC LinkedIn: Keren G. Birnbaum Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management About Our Guest: Keren G. Birnbaum, Esq. is a Partner with Schwartz Ettenger, PLLC where she concentrates her practice in the areas of Estate Planning, Trust and Estate Administration and Elder Law. She has over 10 years of experience advising clients on how to protect themselves, their loved ones and their business in the event of death, incapacity or disability. Ms. Birnbaum earned her law degree at Hofstra University School of Law and her Bachelor’s Degree at Brandeis University. She is admitted to the New York State Bar, is a member of the New York State Bar Association, Queens County Bar Association, Brandeis Association, and is an active member of the Elder Law and Trusts and Estates Sections of the New York State Bar Association. Ms. Birnbaum has also lectured and published articles on various elder law and estate planning issues.…

Life Unlimited with Larry Heller, CFP(R)

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96. What You Need to Know About Life Insurance With Neil Himmelstein 25:03

3 years之前25:03

25:03

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 start using right away with your life insurance policy. Neil discusses: The reasons why people need life insurance Identifying possible living benefits The different types of permanent policies Why it is important to review your policies And more Connect With Neil Himmelstein: Main Street Planning Group LinkedIn: Neil Himmelstein Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management About Our Guest: Neil Himmelstein, is an independent wholesaler of insurance products, life disability, fixed annuities and long-term care and strategic partner to advisors across the country. Neil has a graduate degree in economics from the university of Maryland and has done postgraduate studies. He is a proud recipient of the Rudy Stegman award for outstanding achievement in leadership in the industry by long island. Neil has been involved in case design and agency management for over 20 years, specializing in high net worth programs, such as premium finance and restricted property trust and finding solutions for clients with health impairment needs.…

Life Unlimited with Larry Heller, CFP(R)

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95. HWM Strategies to Save Income Taxes on Your Investments 28:08

3 years之前28:08

28:08

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 select the proper method for reducing taxes on your mutual funds Why it’s helpful to know what tax bracket you're in to save you money Why not knowing about mutual fund distributions and turnover can lead to surprise taxes Resources: Retire Right Podcast: 93. The Boring Investor: Why Boring Can Be Better for Investors Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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94. How Climate Change Can Impact Home Insurance with Paul Wickel 22:52

4 years之前22:52

22:52

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 needs flood insurance––and what it does and does not cover How to know if you have the insurance coverage for your climate Ways insurance companies are helping homeowners The common drawbacks for homeowners purchasing insurance And more Connect With Paul Wickel: Remco Agency (516) 214-8684 paul@remcoagency.com LinkedIn: Paul Wickel Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management About Our Guest: Paul Wickel is an independent insurance broker with Remco Agency on Long Island. Paul holds a number of industry related achievements and degrees and has over 37 years experience serving individuals and small businesses in the tri-state area. Paul's specialty is working with high net worth individuals.…

Life Unlimited with Larry Heller, CFP(R)

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93. The Boring Investor: Why Boring Can Be Better for Investors 17:11

4 years之前17:11

17:11

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 being a boring investor And more Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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92. The SilverBills Solution to Bill Payment With Marci Lobel-Esrig 18:17

4 years之前18:17

18:17

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 explains the SilverBills program and how the service works to help individuals decrease their financial stress by automating the payment of their household bills. Marci discusses: What SilverBills is and who they serve The cost of the service and how it works to assist the elderly with their household bills How SilverBills can improve your financial wellbeing And more Connect With Marci Lobel-Esrig: 866-653-4427 SilverBills LinkedIn: Marci Lobel-Esrig Connect With Larry Heller Email Larry (631) 293-2806 Heller Wealth Management About Our Guest: Marci founded SilverBills after witnessing the challenges faced by her elderly relatives paying bills on time and correctly. As an accomplished attorney adept at solving complex issues, Marci leads the team at SilverBills which successfully developed a technology solution to the problem of paying bills accurately. Marci has been a practicing attorney for more than 20 years. For approximately 8 years until 2015, she was an in-house attorney for a well-known real estate investment company.…

Life Unlimited with Larry Heller, CFP(R)

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90. Inside Out Yoga: Discovering the Practice of Yoga With Authors Sandra K Schoenbart and Joanne de Simone 20:08

4 years之前20:08

20:08

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 of Inside Out Yoga . Together, they explore the benefits of yoga, the meanings of different poses, and how to execute them for ultimate peace and release of negative energy. Sandra K Schoenbart and Joanne de Simone discuss: Their inspiration for writing Inside Out Yoga The purpose of including illustrations of various yoga positions and postures Why breath is an important part of the yoga practice Their favorite poses and how they correlate to their personality Why they choose to incorporate a journal entry and vision board into their book And more Resources: Inside Out Yoga on Amazon Café with Sandra K - Inside Out Yoga + Joanne De Simone Connect With Joanne de Simone: Email Joanne Connect With Sandra K Schoenbart: Sandra’s Linkedin Café with Sandra K Connect With Larry Heller: Email Larry (631) 293-2806 Heller Wealth Management Webinars About Our Guests: Sandra K Schoenbart: Sandra is a certified hot yoga instructor, actress, and host and producer of the LTV East Hampton Channel 20 talk show Café with Sandra K. She enjoys teaching yoga in private groups at places of worship and on the beach. She also loves spreading the word about the mental and physical advantages of yoga practice with all. Joanne de Simone: Joanne is a writer, film historian, award-winning playwright, poet and former film columnist for Fire Island News. Her work has been featured in various publications, film journals and been produced in New York city festivals, and many of them may be viewed on Youtube. She currently hosts notes and notations from the writing desk on LTV East Hampton.…

Life Unlimited with Larry Heller, CFP(R)

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89. Determining the Optimal Investment Asset Allocation For Retirees 21:49

4 years之前21:49

21:49

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 of the ways Heller Wealth Management can assist you in creating a portfolio that is tailored to your specific needs. Larry Heller discusses: Why some of the most frequently used asset allocation rules should be avoided when constructing a portfolio Three factors to consider when creating an optimal asset allocation portfolio What a withdrawal is How the Heller Wealth Management Reservoir Strategy works and how it may help you overcome panic selling and market fears And more Resources: Webinars Connect With Larry Heller Email Larry (631) 293-2806 Heller Wealth Management…

Life Unlimited with Larry Heller, CFP(R)

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88. How to Travel in a Post-Pandemic World — With Gary Portuesi of Authentic Explorations 25:33

4 years之前25:33

25:33

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-pandemic and how Gary’s skills and experience can help you plan your upcoming trips and adventures. Gary Portuesi discusses: COVID-19 procedures, requirements, and conditions in different countries The challenges and opportunities when travelling abroad Permanent changes to luxury travel The benefits of working with travel professionals, consultants, and agents How Gary creates the ideal itinerary for his clients And more Connect With Gary Portuesi Email Gary Phone: (646) 767-0089 Authentic Explorations Connect With Larry Heller Email Larry Phone: (631) 293-2806 Heller Wealth Management About Our Guest: Gary Portuesi, managing director and owner of Authentic Explorations, fell in love with travel at an early age when he and his family made yearly trips to Italy. Spending summers in Sicily and exploring the northern, central and southern regions through the years, Gary realized that the American idea of Italy fell decidedly short of the real deal. And as he explored other countries, he found the same was true. That’s when he was struck by an idea: why not allow people to explore the authentic sides of the world?…

Life Unlimited with Larry Heller, CFP(R)

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87. Healthy Aging Tips: Food And Fitness After 50 With Author Christine Rosenbloom 21:49

4 years之前21:49

21:49

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 nutrition tips and expert guidance for meeting your fitness goals. Dr. Christine Rosenbloom discusses: The best diets for those over 50 How our nutritional needs change as we get older Types of exercises we should be doing as we age Whether dietary supplements are a good idea The importance of protein Resources: Larry Heller’s Webinars Food and Fitness After 50: Eat Well, Move Well, Be Well Connect With Christine RosenBloom Chris Rosenbloom Food & Nutrition Services, LLC. Twitter Linkedin Connect With Larry Heller Email Larry (631) 293-2806 Heller Wealth Management About Our Guest: Christine Rosenbloom: Dr. Rosenbloom is a nutrition consultant to the food and nutrition industries and started her consulting business after a 30-year career in academia. Her journey has led her to combine her interest in sports nutrition with academic training in gerontology to produce an award winning consumer book, Food & Fitness After 50, co-authored with exercise expert, Dr. Bob Murray. She is an active member of the Academy of Nutrition and Dietetics, at local, state and national level, where she was awarded a lifetime achievement award in 2019 for her service.…

Life Unlimited with Larry Heller, CFP(R)

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86. Having the Money Talk With Your Parents 20:25

4 years之前20:25