Life Unlimited with Larry Heller, CFP(R)

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: 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 TausWild, Maney & Resnick, LLCEmail Matt Taus Connect With Larry Heller: Schedule a 20-Minute CallHeller 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.

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: Resources: Download a Free Copy of Tax Loss Harvesting Checklist Connect With Larry Heller: Schedule a 20-Minute CallHeller Wealth Management

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: 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 RadnaRadnaLaw.com Connect With Larry Heller: Schedule a 20-Minute CallHeller 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?”.

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: 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 Schedule a 20-Minute CallHeller 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.

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: Resources: Navigating A Bear Market As A Soon-To-Be Retiree (Episode 111) Connect With Larry Heller CFP®: Email LarrySchedule a 20-Minute CallHeller Wealth Management

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: Resources: Life Unlimited: Transitioning Into Retirement and Gaining a New Purpose with George Jerjian (Ep.110) Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller Wealth Management

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: Resources: “Dare to Discover Your Purpose: Retire Refire, Rewire” by Geroge Jerjain Connect With George Jerjian: George JerjianLinkedIn: George Jerjian Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller 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.

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: Resources: Life Unlimited: Taking Financial Responsibility Before You’re a Widow or Widower (Ep. 108) Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller Wealth Management

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: Resources: Life Unlimited: Strategies For Living With Inflation (Ep.107)What Issues Should I Consider If My Spouse Passes Away Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller Wealth Management

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: Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller Wealth Management

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: Resources: The Divorce Hour with Ilyssa Panitz10 Critical Steps to Take Once Your Divorce Agreement is in Place Connect With Ilyssa Panitz: LinkedIn: Ilyssa PanitzInstagram: Ilyssa PanitzIlyssaPanitz.com Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller 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.

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: Resources: 10 Step Process for Divorcees by Heller Wealth Management Connect With Larry Heller: Email Larry Schedule a 20-Minute CallHeller Wealth Management

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: Resources: The Retirement Coaches AssociationThe Retirement Challenge: A Non-financial Guide From Top Retirement ExpertsThe Strategic Value of Helping Clients Plan Their Ideal Retirement Lifestyle Connect With Reid Stone: MyLifesEncore.comReid@MyLifesEncore.comMyLifesEncore.com/blogLinkedIn: Reid StoneTwitter: AdvisoryQuest Connect With Larry Heller: Email Larry Schedule a 20-Minute MeetingHeller 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.

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: Resources: https://www.americanbar.org/products/inv/book/419072477/ Connect With Stephen Brodsky: Email StephenLinkedIn: Stephen BrodskyMazzola Lindstrom LLP Connect With Larry Heller: Email Larry Schedule a 20-Minute MeetingHeller 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.

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: Connect With Larry Heller: Email Larry Heller Wealth ManagementYouTube: Heller Wealth Management

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: Resources: The Ten Commandments of Divorce by Donna MartiniMy Mini Book of Mighty Mantras by Donna Martini55. How to Affect Positive Change in Your Relationships — with Donna Martini Connect With Donna Martini: LinkedIn: Donna MartiniDonna Martini’s Website: Mantra Mouse Connect With Larry Heller: Email LarryHeller Wealth ManagementYouTube: 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.

“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: Resources: Heller Wealth ManagementYouTube Channel - Heller Wealth Management Connect With Larry Heller: Email LarryLinkedIn: Larry HellerHeller Wealth Management

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: Resources: Retire Right: 98. Year-End Planning Recommendations for RetireesHeller Wealth Management Connect With Larry Heller: Email Larry Heller Wealth Management

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: Connect With Larry Heller: Email Larry Heller Wealth Management

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: Connect With Keren G. Birnbaum, Esq: Email KerenSchwartz Ettenger, PLLCLinkedIn: Keren G. Birnbaum Connect With Larry Heller: Email LarryHeller 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.