Retirement Reality Check: Are You Spending Enough? (ep.136)

How Much Can You Spend in Retirement? Recently Larry sat down with Matt Halloran to record an episode of Life Unlimited. During their discussion, they talked about something that is on the minds of many: How much money can you spend in retirement? The 4% Rule and the Fear of Running Out of Money While […]

When Poor Customer Service Leaves a Bad Taste in Your Mouth (Ep. 135)

Our journey home began with thunderstorms in New York, leading to our flight being canceled. We found ourselves in long lines, trying to rebook our flights and figure out what was happening with our baggage. Despite the airline’s efforts, they were unable to locate our luggage, causing us to wait for a total of 35 […]

Navigating Loss: 4 Essential Steps to Take as the Surviving Spouse (Ep. 132)

Losing a spouse is a challenging and emotionally overwhelming experience. Amidst the grieving process, it’s crucial to address the financial aspects that come with being a surviving spouse.  In this episode of the Life Unlimited podcast, Larry Heller aims to provide a step-by-step guide to help you navigate some important financial considerations following the loss […]

The Risk Factor: Unraveling Investment Pitfalls

In the dynamic world of finance, the significance of risk assessment cannot be overstated. Failing to assess risks adequately, especially in certain investment types, can result in unexpected negative outcomes. With the current state of several regional banks, including Silicon Valley Bank, it is imperative to gain a thorough understanding of financial risks and employ […]

RMDs & The Age Increase: What This Means For Your Portfolio

RMDs & The Age Increase: What This Means For Your Portfolio

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.  Retirement is a time when many […]

QDRO & Divorce: Understanding Legal Practices

Qualified Domestic Relations Order

A QDRO (Qualified Domestic Relations Order) is a legal document that is brought forward during the settlement of a divorce that establishes a payee that gets compensated to receive a portion or grand total of the retirement benefits of an employee such as a pension or 401K plan.  In most divorces, property that was acquired […]

Using a Cash Balance Plan to Save Large Pre-Tax Dollars

Using a Cash Balance Plan to Save Large Pre-Tax Dollars

Let’s start with the basics: A cash balance plan is a defined benefit plan. It’s a little different from what a traditional one is where you put money into a plan and at the end of the day, when you get to retirement age, you get an annuity for life or for the life of […]

Investing with the Reservoir Strategy (Ep. 119)

When investing with a financial advisor, there are a number of steps to follow that are important to make sure your investment strategy works for you and your family, creating the lifestyle you desire. In the discovery phase, we shed light on the important questions that can identify everything from your ideal retirement to what […]

Time to Have Those Tough Conversations with Your Parents (Ep.117)

Time to Have Those Tough Conversations with Your Parents

Calling all members of the sandwich generation!  If you’re in your 30’s or 40’s, have children, and your parents are considered senior, old or elderly, then you my friend are the roast beef between two slices of bread! As your parents age, there are a number of possible scenarios that may lie ahead. Will they […]

What You Need To Know About Retiring in a Recession

No matter what job you have or how well you have prepared for retirement, inflation still affects your everyday living expenses and this can greatly affect your retirement lifestyle. What types of things should you be reviewing with your financial advisor when the economy looks like it is headed into a recession? This is one […]