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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

Heller Wealth Management

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Melville, NY
Heller Wealth Management

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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/

10/22/2026

Should you pay taxes on your IRA now to potentially save on taxes in retirement? 🤔

A Roth conversion could offer greater tax flexibility in retirement, but timing is everything.

In the latest episode of Retirement Unlocked, Larry Heller, CFP®, CDFA® explains how Roth conversions work and what to consider before making a move.

📌 In this episode, Larry discusses:
- How Roth conversions work and the tax implications of converting
- Why the years before Social Security or required minimum distributions may present planning opportunities
- How current and future tax brackets can influence your decision
- Why Medicare IRMAA surcharges and other tax consequences matter
- How Roth conversions can affect the assets you eventually leave to your children

A Roth conversion isn't right for everyone. Understanding the bigger picture can help you make more informed decisions about your retirement and your family's financial future.

🎧 Watch the latest episode of Retirement Unlocked to learn more: https://youtu.be/6obyxt7SoWo

10/08/2026

Your investment gains can be exciting. The tax bill that comes with them? Not so much.

When a stock or business grows substantially in value, selling can create a new challenge: how do you diversify, manage the tax impact, and make the most of your wealth going forward?

In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with Angela R. Berkosky, CFA®, MBA, Director of Investment Strategy at Savant Wealth Management, to discuss how taxes can play a role in investment decisions.

They explore:
• How taxes can influence investment selection and where investments are held
• Strategies for managing highly appreciated stock while considering diversification and capital gains
• How direct indexing and tax-loss harvesting may create additional tax-management opportunities
• Charitable gifting and exchange funds for concentrated positions
• Long/short equity strategies that may be considered after a business sale or significant liquidity event
• And more

For investors with significant appreciated assets, multiple account types, or proceeds from a business sale, investment strategy and tax strategy don't always operate independently.

🎙️ Watch the full episode:
https://youtu.be/rqEJrr5xra0

09/24/2026

What if your retirement plan started with your life, not your investments?

Approaching retirement can bring a lot of questions:

Are you saving enough?
How much can you comfortably spend?
What about taxes?
How should your portfolio change?
Is your estate plan keeping up with your goals?

A strong retirement plan should connect all of these pieces rather than looking at investment performance in isolation.

In the latest episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, discusses how to build a retirement plan around the life you actually want to live.

He covers:
• Starting with your goals, priorities, and vision for retirement
• How different time horizons can influence investment decisions
• Creating a retirement paycheck to replace employment income
• Coordinating taxes, Roth conversions, estate planning, and beneficiary designations
• Balancing near-term spending needs with long-term priorities
• Looking beyond portfolio returns when measuring retirement progress

Retirement planning isn't just about asking, "Will my money last?"

It's also about asking, "What do I want my money to help me do?"

🎙️ Listen to the full episode of Retirement Unlocked with Larry Heller here: https://hellerwealthmanagement.com/from-portfolio-performance-to-purposeful-retirement-planning-ep-208/

09/10/2026

You’ve spent decades building your business. But when it’s time to sell, the work isn’t over.

For contractors, electricians, plumbers, landscapers, HVAC professionals, and other skilled-trade business owners, the decisions made years before a sale can have a major impact on the value of the business, the taxes owed, and how the proceeds support retirement.

In the latest episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, discusses what trade business owners should be thinking about before putting their company on the market.

He covers:
• How far in advance you should begin planning for a sale
• What buyers may look at when determining a business’s value
• Why clean financial records and documented processes matter
• How reducing owner dependence can make a business easier to transfer
• How sale structure and taxes can affect what you ultimately keep
• Turning business-sale proceeds into sustainable retirement income
• Estate planning considerations after the sale
• Preparing for the personal transition that comes with leaving the business you built

Selling a business isn’t just a financial transaction. It’s a transition from one chapter of life to the next.

Watch the full episode here: https://hellerwealthmanagement.com/planning-to-sell-your-trade-business-ep-207/

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!

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

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

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!

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/

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!

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

Website

http://hellerwealthmanagement.com/, https://www.linkedin.com/in/larryhellercfp/

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