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Financial planning and wealth management cannot be done room-by-room or even floor-by-floor. It’s needs a solid foundation and a clear blueprint before you can begin implementing tactics products. Our Complete Financial Advice considers your entire financial house.
Episodes
Friday Nov 11, 2022
Friday Nov 11, 2022
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.
Monday Oct 31, 2022
Monday Oct 31, 2022
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
Tuesday Oct 04, 2022
Tuesday Oct 04, 2022
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:
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?”.
Monday Sep 26, 2022
Monday Sep 26, 2022
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:
Connect With 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.
Thursday Sep 01, 2022
Thursday Sep 01, 2022
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
Thursday Aug 18, 2022
Thursday Aug 18, 2022
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
Thursday Aug 04, 2022
Thursday Aug 04, 2022
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:
Connect With 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.
Thursday Jul 21, 2022
Thursday Jul 21, 2022
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:
Connect With Larry Heller:
- Email Larry
- (631) 248-3600
- Schedule a 20-Minute Call
- Heller Wealth Management
Tuesday Jul 05, 2022
Tuesday Jul 05, 2022
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
Thursday Jun 09, 2022
Thursday Jun 09, 2022
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