Episodes

Juggling the various aspects of your life can not only be tricky, it can be very overwhelming. And then, just when you think you’ve got a handle on it all, a ball comes crashing down. No matter your financial situation, you deserve to come out happy and secure after a divorce. In this episode of Life Unlimited, host Larry Heller, CFP®, CDFA® focuses on helping women through the divorce process with guidance and expertise from Gabrielle Clemens, an award-winning attorney, and CDFA®. Listen as she...

What happens after you retire or sell your business? Today’s guest, Jerome Myers is certain that you will fall victim to the ‘founder exit paradox’ and experience feelings of uncertainty and loss of purpose. In this episode, Larry Heller, CFP®, CDFA ® chats with Jerome about why many business owners suffer an existential crisis after selling their business or retiring from a leadership role. Listen as he explains the ‘eight exits of a founder’ and how you can emotionally prepare for your next ph...

Many people are afraid to spend money during retirement because they worry they will run out, but in actuality, many people aren’t spending enough! In this episode, Larry Heller, CFP®, CDFA® provides insight and education surrounding how much you can afford to spend once you retire. Listen as he highlights what you need to consider when determining your financial plan, and the different variables surrounding your age, health, expenses, investments, and income streams. Learn along with Larry as h...

Life happens – plans get changed, good weather turns to bad, and luggage gets lost. In this episode of Life Unlimited, Larry Heller, CFP®, CDFA shares his story about his experience with a notable airline company and how his situation could have been made better with one simple thing: communication. Larry chats with his long-time producer and friend, Aric about his turbulent encounter, and how the simple act of keeping customers in the know can make all the difference when navigating unexpected ...

In today’s episode, Lisa Zeiderman, Esq., CDFA®, CFL, and Managing Partner at Miller Zeiderman LLP, sheds light on the complexities and processes of divorce, particularly when it occurs later in life. This episode offers essential guidance to effectively navigate the challenges that may arise when dealing with shared assets and liabilities, the emotional strain of divorce, or intricate matters related to business ownership and tax implications. Listen as Larry Heller, CFP®, CDFA®, and Lisa share...

Today’s guest, Andrew Hatherley, CDFA®, CRPC® is the founder and CEO of Wiser Divorce Solutions, LLC and Transcend Retirement, LLC. After going through a divorce at 52, Andrew realized that there was a niche that wasn’t fully being attended to; people who are divorcing later in life. In this episode, Larry Heller, CFP®, CDFA® gets candid with Andrew as they share their similar experiences of getting divorced after 50, how their practices (on either side of the US) help clients navigate their div...

Unfortunately, none of us truly anticipates the possibility of being thrust into the realm of widowhood. Join host Larry Heller, CFP®, CDFA® as he guides widows and widowers through the essential steps you should be taking as the surviving spouse. In this episode of Life Unlimited, Larry discusses crucial steps to effectively manage your inherited assets. From reviewing the step-up basis for calculating capital gains tax to updating custodian accounts, he provides valuable insights to empower wi...

Prepare for an insightful exploration of the deep emotional connection between money and relationships in this thought-provoking episode. Larry Heller, CFP®, CDFA®, is joined by esteemed podcast host and founder of the Financial Dignity Movement, Christine Luken. With her expertise in coaching high-earning professionals, business owners, and divorcees to overcome overwhelming debt and achieve remarkable financial growth, Christine brings a wealth of knowledge to the table. Join Larry and Christi...

From selling a business to retirement planning, partnership negotiations, divorce proceedings, and estate planning, there are many reasons why someone would need a business valuation. Although the empirical data has vastly improved since the early days in this field, professionals still prioritize understanding each business individually and utilize several different valuation approaches including market, cost, and income to build a comprehensive business valuation. In this episode, Larry Heller...

The lack of risk assessment in some investment types can lead people to overlook potential risks until a negative outcome occurs. With the current state of several regional banks such as Silicon Valley Bank, it is becoming increasingly important to understand and manage financial risks pertaining to cash and other investments. In this podcast episode, Larry Heller, CFP®, CDFA® provides insight into the complexities of financial risk management. Join him to gain a deeper understanding of the nuan...

People with disabilities may face challenges when engaging in everyday activities. However, participating in competitive sports can be even more daunting for them. What can we do to provide them with the necessary support? Join us in this release as Larry Heller, CFP®, CDFA®, sits down with Caroline Gaynor, Vice President, Relationship Director & Investment Specialist at Avantis Investors. During this conversation, Caroline discusses her journey of guiding visually disabled athletes in high-inte...

We all dream of those golden years when we can kick back and enjoy our retirement, knowing we have worked extensively for the money now used in retirement. But getting to that point requires a series of different checkpoints that will determine if you are truly ready to retire with confidence. In this episode, Larry Heller, CFP®, goes through several different considerations you will have to encounter when planning for your retirement. While it is important to be prepared for the worst, planning...

From divorces and inheritance disputes, to fraud investigations and business partnerships gone sour, there are a number of reasons you may want to consider hiring an expert financial investigator. In this episode, Larry Heller, CFP®, sits down with Philip Segal, author of The Art of Fact Investigation: Creative Thinking in the Age of Information Overload, as he discusses his expertise in the field of financial investigations. From understanding your legal rights if your personal information has ...

With the emergence of the new SECURE (Setting Every Community Up For Retirement Enhancement) Act 2.0, there are upwards of 100 different changes made that will affect the onset and process of your retirement. The one in the hot seat today is the RMD (Required Minimum Distribution) age change. In this episode, Larry Heller, CFP®, discusses one of the most important changes for those nearing RMD age and explains how this change might impact your investment strategy moving forward, as well as ways ...

Most people don’t prepare for a divorce before they get married. In most divorces, property that was acquired during the marriage is subject to division between the spouses depending on a number of factors. Dividing assets and understanding how they are calculated post-separation is a crucial step in the divorce process. A QDRO can be used to divide retirement assets between the two spouses as a part of the property settlement. In this episode, Larry Heller, CFP®, is joined by Derrick A. Rubin, ...

When today’s guest witnessed her 5-year-old daughter squeal with delight by inserting a quarter into a vending machine, she knew she had to instill proper financial habits, and fast. Did you know that by the age of seven, most children have built their foundation for how they view, and spend money? To help ward off life-long implications from poor spending decisions, Karen Tenenbaum, Esq, CPA, co-founder of Commerce Plaza Inc., and Walter the Vault, made it her mission to bring financial literac...

Calling all women!! Are you currently in a position where your partner manages your finances and you have no idea what they are? Then it’s time for you to get more involved in these conversations. Being aware of your assets and investments while truly understanding all of your finances is more important than ever. It allows you to take the burden off your future self in case you are faced with a big life change that may impact the way in which you manage your finances. In this episode, Larry Hel...

A Cash Balance Plan allows you to put away larger amounts than a traditional defined contribution retirement plan. In this episode, Larry Heller, CFP®, is joined by David Yackel from Pension Review Services to talk about all things cash balance planning. David discusses: How a cash balance plans differ from your traditional defined contribution retirement accounts Why a cash balance plan is beneficial if you are looking to save large amounts pre-tax Who is a good candidate for a Cash Balance Pl...

When life feels like it is running faster than you can handle, don’t you wish that you had some sort of manual to keep your life in check? Organizing your finances can help you avoid late fees and missed payments, and help you reduce stress and free up your time to do things you enjoy. In this episode, Larry Heller, CFP® welcomes the founder and CEO of Judith Heft & Associates, Financial and Lifestyle Concierge. Judy Heft, CMC® joins Larry to talk about money management throughout all stages of ...

To avoid worrying about day-to-day stock market volatility, it might be a good idea to start investing with the reservoir strategy. Turn off the media, stop listening to those so-called experts that make short term predictions in the stock market. Have a plan in place especially when you are withdrawing money to create an investment portfolio that provides three reservoirs so you can stop worrying about current market volatility. In this episode, Larry Heller, CFP® discusses the importance of pr...

Do you have trouble seeing clearly? Low vision refers to anything less than 20/20, accompanied by some sort of blur, or loss of vision. To help correct it, there are a number of helpful solutions available, such as different types of lenses, adjusting your diet, reviewing your overall health and bloodwork with your family doctor and mineral supplements. In this episode, Larry Heller, CFP®, is joined by Dr. Steven Schoenbart, OD, the founder of Schoenbart Vision Care in Garden City, New York. He ...

Calling all members of the sandwich generation! As your parents age, you start to ask yourself a number of questions. What will happen when they are no longer able to live independently? When is a good time to step in, and offer help? Is it a good idea to get a third party to help pay bills on their behalf? In this episode of the Life Unlimited podcast, Larry Heller, CFP, discusses the benefits of having an open, and honest discussion with your parents about their future. Tune in as Larry discus...

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 incom...

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 yo...