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Episode 36 - Don’t Forget About Tax-Loss Harvesting and Tax-Gain Harvesting

Your year-end tax plan isn’t complete until you’ve considered tax-loss and tax-gain harvesting. These two strategies could offer you big tax savings! Too often, financial advisors and accountants are not proactive in exploring these tax-saving possibilities with clients, but Larry doesn’t want you to miss out. In this episode, Larry explains how you can benefit from tax-loss and tax-gain harvesting. In this episode, you’ll learn: The differences between tax-loss harvesting and...


Episode 35 - Your Retirement Paycheck

The transition from the work world to the retirement world can take a while to get used to. Sometimes, peace of mind can come from being able to recreate a paycheck every month. In this episode, Larry Heller recommends variables and strategies to consider as you plan to create your retirement paycheck. Today you will learn: What it means to have a retirement paycheck How planning for a retirement paycheck can help you figure out how much money you truly need each monthWhat role fixed...


Episode 34 - 11 Ways the New Tax Law Could Help or Hurt Your Tax Return

2018 is the first full year under the new tax reform. Will your income tax return take a hit? Are there any changes that you will actually benefit from? Larry Heller explores these questions with New York tax expert, Sal Albanese, CPA. In this episode, they uncover the biggest tax changes and recommend actions for you to take before 2019. In this episode you’ll learn: Eleven tax law changes that could affect individualsHow baby boomers are reacting to the SALT deduction capWhy couples...


Episode 33 - What to Know When Selecting a Medicare Plan—with Guests Kathleen Brennan and Kevin Tinagero

Annual Enrollment Period is in full swing! This is your opportunity to make changes to your Medicare plan that will better suit your needs in 2019. The Medicare experts at 360 Insurance Services, Kathleen Brennan and Kevin Tinagero, join Larry Heller in today’s episode to share what should you look for when selecting a plan. In this episode, you’ll learn: Two things to do when enrolling in MedicareWhy Kathleen and Kevin recommend getting additional coverageWhat Medicare Supplement...


Episode 32 - Bonds: The Underrated Investment Vehicle

When people invest, they often forget about bonds and invest solely in stocks. Why is that? Perhaps most people simply don’t have enough information; Larry Heller has met several clients who didn’t know what bonds were, let alone the advantages of investing in them. If lack of knowledge is the issue, Larry is here to fill the gap. In this episode, you’ll learn: How bonds work as an investment vehicleDifferent types of bonds and which ones might be suitable for youThe characteristics of...


Episode 31 - Choosing the Right Insurance to Weather Life's Storms—with Guest, Doug Kniffin

Many times, it’s only when the going gets tough that people realize they don’t have adequate insurance coverage. Because of this, Larry Heller is on a mission to provide expert advice about insurance policies. With the help of his guest, Doug Kniffin, the vice president of The Viking Agency, Larry shares what you need to know about insurance, including: How individuals and businesses can prepare for major storms with insurance Common oversights that homeowners make when they’re...


Episode 30 - Don’t Fall for These Common Misconceptions About Medicaid

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 clients, including the belief that you can’t ever qualify for Medicaid if you have too many...


Episode 29 - 10 Ways You Can Improve Your Investment Experience

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 practicing smart diversification. Join Larry as he shares valuable insight backed by scientific...


Episode 28 - Build Your Dream Financial Plan with These Four Pillars

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 them. Larry also shares his favorite questions to ask clients, what professional athletes can...


Episode 27 - Five Ways to Optimize Your Finances in the Middle of the Year

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 complete financial advice to help you stay on track for 2018 and beyond. Heller Wealth...


Episode 26 - Why Baby Boomers Need to Consider Life Care Management —with Guest, Dan Goldberg

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 care for our loved ones when they have special needs or medical issues. Tune in as Larry and...


Charity Spotlight: Chillin’ With Adam: The Adam Gaynes Foundation

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 easier for children and their families who are impacted by brain tumors, cancer, or blood...


Episode 24 - An Introduction to Friendship Force International—With Guest, Ivan Ziegler

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 backgrounds, the organization hopes to create mutual respect and even lifelong friendships. Tune...


Episode 23 - What Will You Do with Your Home During Retirement?

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 who will carry a mortgage? These are only a few of the questions that Larry answers in this...


Episode 22 - The Dangers of Investing in Only One Stock

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 and how to do it, this episode is for you. Tune in as Larry walks you through strategies to...


Episode 21 - Divorce: What happens to Your Retirement Accounts?

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 divorce. Gayle explains how retirement accounts and assets, like a shared business, can be...


Episode 20 - Strategies To Minimize Income Taxes On Investments

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 minimize taxes on your investments. Learn How to Retire Right with Complete Financial Advice at:...


Episode 19 - Stock Market Volatility During Retirement

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: Heller Wealth Management


Episode 18 - Estate Planning Fundamentals and Estate Planning After the Recent Tax Law Changes

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 in Melville and New York City. Learn How to Retire Right with Complete Financial Advice at:...


Episode 17 - How and When to Use a Roth

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