How Much Cash Should You Have in Retirement?
One of the most common and anxiety-inducing questions retirees face is deceptively simple: How much cash should I keep on hand? It might sound like a purely financial decision, but it’s also an emotional one. As Larry Heller, CFP®, CDFA®, explains in this episode of Retirement Unlocked, your cash reserve strategy plays a crucial role […]
The 6 Retirement Mistakes To Avoid
Retirement should be a time to enjoy the freedom you’ve worked hard to achieve. But without a well-thought-out plan, it can also bring unexpected stress, especially when common financial missteps come into play. At Heller Wealth Management, we see retirement planning as more than just growing a portfolio. It’s about preparing for how you’ll actually […]
Your 5-Year Retirement Countdown: Key Steps to Take Now
What You Need to Do 5 Years Out From Your Retirement As retirement approaches, it’s natural to feel a mix of excitement and unease. Stepping away from a lifetime of work into a new chapter raises plenty of questions—and a fair share of “what-ifs.” In fact, about half of Americans worry they might outlive their […]
5 Tax Gotchas That High-Net-Worth Individuals Overlook
As retirement approaches, one of the most important aspects of helping secure your financial future is understanding the intricacies of tax planning. For high-net-worth individuals, strategic tax decisions can make a significant difference in protecting your wealth and maintaining financial independence throughout retirement. This article offers insights into the potential tax pitfalls you may encounter […]
Retirement Unlocked: Managing Sequence of Returns Risk
Understanding Sequence of Returns Risk in Retirement Planning Retirement planning can often feel like walking through a financial minefield. One of the most important, yet often misunderstood aspects is the sequence of return risk. This concept can significantly impact your retirement savings and how long they last. This risk can have a dramatic impact on […]
Mastering Retirement Withdrawals: Essential Strategies for a Smart Distribution Plan
Retirement is often seen as the reward for decades of hard work, but without careful planning, it can quickly become a source of financial stress. One of the most crucial aspects of securing a stable retirement is how you manage your withdrawals—ensuring a steady income stream while minimizing taxes. With longer lifespans and potential changes […]
Why You Shouldn’t Rely on Market Experts for Predictions
Every year, as January rolls in, financial analysts and market experts flood media outlets with bold predictions for where the market is headed. From the expected performance of the S&P 500 to interest rate forecasts, these projections are often treated as gospel. But how reliable are they? Spoiler alert: Not very. Here’s why listening to […]
Avoid These 7 Financial Planning Mistakes
Financial planning isn’t just about crunching numbers; it’s about making smart decisions that protect your future and give you peace of mind today. Think of it as a roadmap that helps you navigate life’s twists and turns, so you can confidently steer toward your financial goals. But sometimes, it’s easy to miss key details along […]
Making Your Retirement Wealth Last: 5 Essential Strategies for a Well-Planned Future
Retirement is more than a finish line—it’s the start of a new chapter that requires a shift in focus from growing wealth to making it last. That means building a strategy for income, tax planning, healthcare, and legacy so you can enjoy retirement without financial stress. Here’s how to structure your retirement plan for lasting […]
The Hidden Risks of Handshake Deals: Why Your Business Needs Formal Agreements [Ep. 163]
The Hidden Risks of Handshake Deals: Why Your Business Needs Formal Agreements [Ep. 163] In this episode of Life Unlimited, Larry Heller, CFP®, CDFA®, sits down with Rachel Partain, a leading tax attorney and partner at Forchelli Law, to shed light on the hidden risks of running a business without formal agreements. While handshake deals […]