Episodes

Interest rates may be falling, but your financial strategy doesn’t have to follow. Learn how to stay ahead in today’s ever-changing financial landscape. Larry Heller, CFP®, CDFA®, breaks down how these shifting rates impact everything from mortgages to retirement plans. Whether you’re buying a home, optimizing investments, or planning for your financial future, Larry offers actionable insights to help you navigate today’s economic landscape. Covering the rise and fall of interest rates and their...

High-conflict divorces are some of the most emotionally draining and complex experiences a family can face, especially when children with special needs are involved. In this episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, sits down with Dr. Susan K. Bernstein, a certified divorce coach specializing in high-conflict cases, to explore how divorce coaching can help navigate this emotionally charged process. Dr. Bernstein shares practical strategies to save time, reduce costs, and help fa...

Could these six retirement mistakes jeopardize a successful retirement? What steps can you take to avoid them? In this eye-opening episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, reveals six critical retirement mistakes that could threaten your financial security when it comes to planning for your retirement. These pitfalls are unfortunately common, but there are steps you can take to better prepare for these financial curveballs. Key Points Covered: Understanding the importance of a...

Divorce is rarely easy, but what if there were alternatives to the adversarial process of litigation that could lead to more peaceful resolutions? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA® is joined by Andrea Vacca, Founder of Vacca Family Law Group, to define and explore two powerful divorce alternatives: mediation and collaborative law. From choosing the right attorney to the importance of strong communication skills, Andrea provides tips and resources for t...

Could your children or grandchildren’s 529 plan be the key to their future retirement success? In this insightful episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, explores the new provisions of the Secure 2.0 Act that allow 529 plan rollovers to Roth IRAs. Larry outlines the conditions and strategic benefits of this new rule, offering listeners practical advice on optimizing retirement strategies. Key Points Covered: Understanding the traditional benefits of 529 plans for tax-free edu...

Ready to transform your real estate assets into a tax-efficient retirement plan? Want to maximize your real estate wealth without the headache of property management? Join host Larry Heller, CFP®, CDFA®, as he explores the world of 1031 exchanges with Stephen K. Davis, President and CEO of Safe Harbor Asset Management. With over 40 years of experience in financial services, Davis discusses the benefits and intricacies of 1031 exchanges and DSTs, offering valuable insights for property owners and...

How can business owners keep their financial strategies effective for long-term success? In this informative episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, reveals the intricacies of corporate benefits and cash management tailored for business owners. Learn how regularly updating 401k plans, optimizing cash reserves, and leveraging professional networks can alter your business. Obtain actionable insights on attracting and retaining employees, maximizing tax advantages, and implementi...

What if your employees could help drive your business to new heights while investing in their own financial futures? Uncover the power of ESOPs now! Join host Larry Heller, CFP®, CDFA®, as he discusses the intricacies of ESOPs with Chris Coates, a skilled professional in business transition strategies. With over 30 years of experience, Coates offers an in-depth look at how ESOPs work, the benefits they provide, and why they are a compelling option for many business owners. Key Points Covered: U...

Beyond managing your investments and portfolio, have you ever wondered what else financial advisors do? Understanding the full scope of financial advisory services is essential to maximizing the benefits of your financial plan. In this enlightening episode of Life Unlimited, host Larry Heller, CFP®, CDFA® explores the multifaceted role of financial advisors. He addresses common misconceptions and emphasizes that effective financial advising extends well beyond investment decisions.This episode p...

Financial missteps can derail even the most promising businesses. In this impactful episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, is joined by Tricia M. Taitt, CEO of Fincore and skilled fractional CFO. They dive into the top five financial mistakes that businesses often make and offer practical advice on how to avoid them. Focused on strategic financial management, this episode is especially beneficial for women entrepreneurs seeking to strengthen their cash flow management and ove...

Are you effectively using tax strategies to boost your retirement investments? Explore this insightful episode of the Life Unlimited Podcast featuring Larry Heller, CFP®, CDFA®. Larry delves into strategic tax planning and investment strategies designed to optimize retirement savings both during your working years and in retirement. Drawing from his experience as a former CPA, he underscores the significance of not only what you earn but also what you retain after taxes. Tune in as Larry highlig...

There is no secret to Medicare, you just need the proper guidance. In this insightful episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, welcomes Craig Smith, Medicare professional. With a focus on senior healthcare since 2013, Craig has become a go-to advisor for baby boomers managing healthcare and insurance financials, especially Medicare. The episode delves deeply into the layers of Medicare, shedding light on its various sections, eligibility nuances, and pivotal decisions for those...

Are your 401(k) offerings impacting employee wellness and engagement? Join Larry Heller, CFP®, CDFA®, in the concluding episode of our four-part series, “An Employer’s Guide to 401k Plans.” This final segment focuses on the broader impact of 401(k) plans in terms of employee well-being and corporate culture. Larry explores how these plans transcend traditional retirement savings and play a pivotal role in fostering financial literacy, engagement, and loyalty among employees. Larry Discusses: Th...

Is your business at risk due to employment law misunderstandings? In this captivating episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, is joined by Doug Rowe, an acclaimed labor and employment law partner at Certilman Balin, and a New York Metro Super Lawyer and The Legal Eagle award recipient. Doug delves into the critical aspects of employment law, offering indispensable insights for business owners. He also discusses new employment laws that have been implemented and how they can af...

Are you managing your 401(k) effectively? Dive into the intricate world of 401(k) investment strategies with Larry Heller, CFP®, CDFA®, in this informative third installment of the “Employer’s Guide to 401k Plans“ series. This episode delves into crucial aspects such as fiduciary duties, investment selection, and fund diversity, offering valuable insights for trustees and plan participants alike. Larry Discusses: Emphasis on the vital role of fiduciary duties within 401(k) plans, spotlighting t...

Is opting for high-deductible health insurance plans a smart financial move for businesses? Larry Heller’s latest episode of the Life Unlimited Podcast features Jeff Weiner, CEO of HKM Associates, who brings his extensive experience spanning over four decades in life, health insurance, and financial services. Throughout the episode, Jeff offers invaluable insights into working with businesses to maximize savings through high-deductible plans. He provides comprehensive explanations on the mechani...

Are you confident in your mastery of 401k fiduciary responsibilities? Continuing the engaging “Employer’s Guide to 401k Plans“ series with Larry Heller, CFP®, CDFA®, this second installment dives deeper into the crucial topic of 401(k) fiduciary governance. Building on the foundational knowledge from Part I, Larry guides listeners through the intricate responsibilities and best practices essential for effectively managing a 401(k) plan. Larry Discusses: The broad scope of fiduciary responsibili...

A new year has begun, and with it comes significant legal changes for corporations and small businesses. How should you prepare? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, talks to Yogi Patel, managing partner at Outside Legal Counsel, LLP, in a revealing discussion about the details of the Corporate Transparency Act and the potential changes with non-compete agreements in New York State. This discussion is critical for anyone wanting to keep abreast of these ...

Is it possible for 401(k) plans to work harder for you? Join Larry Heller, CFP®, CDFA®, in this essential mini-series where Larry unravels the intricacies of 401(k)’s. This episode covers crucial topics such as the significance of proper plan design, the diverse types of 401k plans, and the advantages of offering these plans for business owners. From perspectives on contributions and matching to navigating investments and educational aspects, this podcast equips you with the knowledge to navigat...

Is private credit the hidden gem missing in your investment portfolio? Explore the untapped potential of private credit in your investment portfolio with Larry Heller, CFP®, CDFA® and special guest Alona Gornick, Managing Director and Senior Investment Strategist at Churchill Asset Management. Together, they take us deep into the intricacies of private credit, a burgeoning asset class currently commanding a substantial $1.5 trillion in assets. Larry & Alona discuss: What is Private Credit, what...

As we delve deeper into the transformative phenomenon of the Great Wealth Transfer, Part 2 of our series further explores the staggering $68 to $74 trillion destined to cascade down over the next decade. In “The Great Wealth Transfer, Part 2,” Larry Heller, CFP®, CDFA®, guides us through the intricate dynamics of this wealth transition, offering crucial insights for aging parents and their millennial heirs. Larry sheds light on key aspects, empowering millennials to navigate challenging conversa...

Ever heard of the Great Wealth Transfer? It’s about to change everything you thought you knew about money. Imagine a staggering $68 to $74 trillion cascading down over the next decade or so. Could this make millennials the richest age group the U.S. has ever seen? In this two-part series, Larry Heller, CFP®, CDFA®, offers a glimpse into the psyche of the baby boomers as they navigate this monumental transition of wealth to the millennials. Learn how you can prepare as Larry covers such topics as...

“Swimming with a school of fish”, that’s how Apollo from Dimensional Fund Advisors describes asset class investing in this episode of Life Unlimited. Larry Heller, CFP®, CDFA ® welcomes Apollo Lupescu, Vice President of Dimensional Fund Advisors, a prominent global investment management firm to discuss the emotional and logical thought process associated with investing. Listen as Apollo delves into the distinctive investment approaches employed by Dimensional Fund Advisors, placing significant e...

Tax loss harvesting – ever heard of it? It’s a strategy where you sell investments that have decreased in value to offset any gains and save on taxes. In this episode, Larry Heller, CFP®, CDFA® overviews ten savings and tax planning tips to implement before the end of the year. He goes into detail on topics such as maximizing savings in retirement plans, choosing the right type of IRA or 401(k), doing backdoor Roth or Roth conversions, understanding changes in inherited IRA rules, and seeking pr...