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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
Thursday May 26, 2022
Thursday May 26, 2022
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:
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.
Wednesday Apr 27, 2022
Wednesday Apr 27, 2022
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:
Connect With Larry Heller:
- Email Larry
- (631) 293-2806
- Schedule a 20-Minute Call
- Heller Wealth Management
Tuesday Apr 05, 2022
Tuesday Apr 05, 2022
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.
Thursday Mar 17, 2022
Thursday Mar 17, 2022
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:
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.
Thursday Feb 24, 2022
Thursday Feb 24, 2022
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
Thursday Feb 10, 2022
Thursday Feb 10, 2022
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:
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.
Monday Jan 24, 2022
Monday Jan 24, 2022
“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:
Connect With Larry Heller:
- Email Larry
- LinkedIn: Larry Heller
- (631) 293-2806
- Heller Wealth Management
Friday Jan 07, 2022
Friday Jan 07, 2022
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:
Connect With Larry Heller:
- Email Larry
- (631) 293-2806
- Heller Wealth Management
Friday Dec 17, 2021
Friday Dec 17, 2021
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
Monday Dec 06, 2021
Monday Dec 06, 2021
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.