Heller Wealth Management

Heller Wealth Management 225 Broadhollow Road, Melville, NY 11747 631-248-3600 [email protected] Heller Wealth Management creates lifelong financial resilience.

The benefit of such resilience is that you can continue to live your life, your way–unconstrained and unconcerned by the day-to-day direction of markets. We achieve this by employing proprietary strategies and systems that help ensure clients have the financial resources and security to make the most of their lives–for life. Visit us at https://hellerwealthmanagement.com/

Are you approaching retirement and wondering whether your spending, investments, taxes, insurance, estate plan, and reti...
08/27/2026

Are you approaching retirement and wondering whether your spending, investments, taxes, insurance, estate plan, and retirement lifestyle are all working together?

Watch or listen to the full episode here: https://hellerwealthmanagement.com/the-retirement-confidence-checklist-6-things-to-review-before-you-retire-ep-206/

A retirement plan should do more than help you reach a savings goal. It should support the life you want while preparing for changing markets, rising costs, healthcare needs, and a retirement that could last 30 years.

In this episode, Larry Heller, CFP®, CDFA®, shares a six-part retirement planning checklist designed to help people approaching retirement or already retired review the financial and personal decisions that can shape their future.

Larry discusses:
✅How much you may be able to spend in retirement without constantly worrying about running out of money
✅Why taxes, insurance, and estate planning deserve regular review
✅How purpose and lifestyle planning can be just as important as your finances
✅How tax-efficient withdrawal strategies and Roth conversions may help reduce taxes throughout retirement
✅Why reviewing your estate plan, insurance coverage, and life after work can help you retire with greater confidence
✅And more!

Think your estate plan is finished once the documents are signed?Not necessarily.For retirees and families with complex ...
08/13/2026

Think your estate plan is finished once the documents are signed?

Not necessarily.

For retirees and families with complex assets, the legal documents are only one piece of the puzzle. Trust funding, beneficiary designations, account ownership, tax planning, and trustee selection all need to work together.

In the latest episode of **Retirement Unlocked**, Larry Heller, CFP®, CDFA®, sits down with Dominick J. Parillo, JD, CFP®, Director of Wealth Transfer at Savant Wealth Management, to discuss the estate planning details families often overlook.

They cover:
• Why an unfunded revocable living trust may still leave you exposed to probate
• How beneficiary designations can override a will
• Why account ownership matters for New York estate tax planning
• The importance of powers of attorney and healthcare documents
• How trustee selection and continuing trusts can help protect an inheritance
• Why your estate plan should evolve as your family, finances, and goals change

**Estate planning isn't just about having the right documents. It's about making sure everything works together.**

Watch the full episode of **Retirement Unlocked** to learn what you may be missing: https://youtu.be/EqBcIwlARWg

Selling your business is a huge accomplishment, but it's not the finish line. It's the beginning of a new chapter.The de...
07/23/2026

Selling your business is a huge accomplishment, but it's not the finish line. It's the beginning of a new chapter.

The decisions you make after the sale can have just as much impact on your long-term financial success as the years you spent building your business. Without a thoughtful plan, emotional decisions, tax surprises, and lifestyle inflation can quickly erode the wealth you've worked so hard to create.

In this episode of Retirement Unlocked, Larry discusses the biggest mistakes business owners make after a sale and the strategies that can help turn a successful business exit into a successful retirement.

Larry covers:
• What to do immediately after closing the deal and why slowing down can be one of your best financial decisions
• How to enjoy your newfound wealth without jeopardizing your retirement
• The risks of holding too much cash after a liquidity event
• Capital gains tax planning opportunities before and after a sale
• How to create a retirement plan with both financial confidence and personal purpose

Whether you're preparing to sell your business or have recently completed a sale, this episode offers practical insights to help you protect your wealth and plan for what's next.

🎧 Listen now and start building a retirement that's as successful as the business you built: https://conta.cc/4bW17vg

Retirement today looks very different than it did even a decade ago. Managing your finances, protecting your identity, s...
07/09/2026

Retirement today looks very different than it did even a decade ago. Managing your finances, protecting your identity, staying connected with family, accessing healthcare, and preserving your legacy are all becoming increasingly digital. While these advancements offer greater convenience and flexibility, they also introduce new risks that deserve careful planning.

In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, explores how technology is reshaping retirement and why digital preparedness is essential to protecting your financial future. From cybersecurity and AI-powered scams to digital estate planning and everyday technology that supports independence, Larry shares practical insights to help you embrace innovation with greater confidence.

Watch or listen to the episode here: https://hellerwealthmanagement.com/retirement-in-a-digital-world-ep-203/

Larry discusses:
▶️ Why retirement planning now includes cybersecurity, digital assets, and the protection of your online identity.
▶️ How AI-powered scams, voice cloning, hacked emails, and identity theft are becoming increasingly sophisticated, and the practical steps retirees can take to protect themselves.
▶️ The growing role of telehealth, wearable technology, and other digital tools in helping retirees maintain their independence and improve their quality of life.
▶️ How technology is making it easier to travel, manage finances remotely, stay connected with family, and enjoy greater flexibility throughout retirement.
▶️ Why organizing your digital assets, passwords, online accounts, and estate documents is becoming just as important as traditional estate planning.
▶️ And more!

Many retirees wonder whether they can safely spend more money in retirement without jeopardizing their future. Questions...
06/25/2026

Many retirees wonder whether they can safely spend more money in retirement without jeopardizing their future. Questions about retirement income, withdrawal rates, market volatility, healthcare expenses, and the fear of running out of money often prevent retirees from enjoying the wealth they've accumulated.

In this episode, Larry Heller, CFP®, CDFA®, discusses the often-overlooked challenge of transitioning from a saver mindset to a spender mindset in retirement and why many financially secure retirees struggle to enjoy the assets they've accumulated.

Larry discusses:
❓Why many retirees experience anxiety around spending, even when their financial plan supports it
❓The psychological shift required when moving from accumulation to distribution
❓Common fears about running out of money and how those concerns impact retirement decisions
❓How retirement income planning can help create confidence around spending
❓And more!

Watch or listen to the whole episode here: https://hellerwealthmanagement.com/why-saving-for-retirement-is-easier-than-spending-in-retirement-ep-202/

Losing a spouse is one of life’s most difficult experiences, emotionally and financially. Many retirees are surprised to...
06/11/2026

Losing a spouse is one of life’s most difficult experiences, emotionally and financially. Many retirees are surprised to learn that widowhood can also create significant tax and retirement-planning challenges that may affect income, Medicare premiums, estate plans, and long-term financial security.

In this episode, Larry Heller, CFP®, CDFA®, explains why the loss of a spouse can create unexpected financial challenges for retirees, including higher taxes, rising Medicare premiums, and changes to retirement income. He discusses how required minimum distributions, Social Security survivor benefits, and IRMAA thresholds can affect a surviving spouse’s long-term financial picture. Larry also shares proactive planning strategies couples can consider before widowhood, including Roth conversions, tax-bracket management, beneficiary reviews, and estate planning updates. Through real-life examples, he highlights how thoughtful preparation can help surviving spouses avoid costly mistakes and navigate a difficult transition with greater confidence and clarity.

What to expect:
▶️ Why surviving spouses often face higher taxes after the loss of a spouse
▶️ How the widow and widower tax penalty impacts retirement income
▶️ The effect of IRMAA and rising Medicare premiums for single filers
▶️ How required minimum distributions can create larger future tax burdens
▶️ And more!

In this milestone 200th episode of Retirement Unlocked, Larry Heller reflects on the journey of building the podcast fro...
06/04/2026

In this milestone 200th episode of Retirement Unlocked, Larry Heller reflects on the journey of building the podcast from an audio-only show into a growing multimedia platform focused on helping people make smarter retirement decisions. Joined by co-host Bill Tucker, Larry shares why the podcast was created, the lessons learned over 200 episodes, and how financial education can truly impact people’s lives.

In this episode, Larry explores how he has always aimed to make financial planning more understandable as he continues to stay ahead of constant changes in tax laws, and retirement strategies. He expresses gratitude to his listeners, clients, and guests who have helped the podcast grow to nearly 50,000 YouTube views as it continues into its next chapter.

Larry Heller, CFP®, CDFA®, discusses:
▶️ How Retirement Unlocked has changed over the years
▶️ Why retirement planning is more about cash flow than net worth
▶️ How taxes can become more complicated in retirement
▶️ Why financial planning should evolve as life changes
▶️ And more!

Many retirees assume their Medicare premiums will stay consistent once they enroll. But that’s not always the case, espe...
05/14/2026

Many retirees assume their Medicare premiums will stay consistent once they enroll. But that’s not always the case, especially for higher-income individuals.
In this episode, Larry Heller, CFP®, CDFA®, breaks down IRMAA, the income-related surcharge that can increase your Medicare Part B and Part D premiums based on income from two years prior. He explains how everyday financial decisions, from IRA withdrawals to capital gains and Roth conversions, can unexpectedly push you into higher premium brackets.

Larry discusses:
▶️ What IRMAA is and how it impacts Medicare premiums
▶️ How income from two years prior determines your current costs
▶️ Common triggers like Roth conversions, property sales, and large withdrawals
▶️ Strategies to potentially reduce IRMAA through proactive tax and income planning
▶️ Why coordinating tax, investment, and healthcare decisions is essential in retirement
▶️ And more!

Most people think about retirement one year at a time.But real planning looks further ahead.Where is your income coming ...
04/24/2026

Most people think about retirement one year at a time.

But real planning looks further ahead.

Where is your income coming from?
How are withdrawals structured?
What does this look like 10 or 20 years from now?

That’s where clarity starts to build.

Helpful? Save this for later.

Listen to learn more. Link in bio.

Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important...
04/23/2026

Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important decisions get made.

In this episode, Larry Heller, CFP®, CDFA®, explains the concept of the retirement “danger zone”, the five years before and after retirement when financial, tax, and lifestyle decisions can have long-term consequences.

Larry discusses:
❓ Why relocating for tax savings is not always as straightforward as it seems
❓ The hidden costs of moving, including healthcare, housing, and lifestyle changes
❓ How state-specific rules can impact taxes, estate planning, and retirement income
❓ The importance of residency rules and avoiding costly mistakes
❓ Real-life examples of retirees who experienced unexpected outcomes after relocating
❓ And more!

Listen to the full episode here: https://hellerwealthmanagement.com/the-retirement-danger-zone-what-to-know-before-and-after-you-retire-ep-198/

Address

225 Broadhollow Road
Melville, NY
11747

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30am
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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