Direct Indexing and Tax-Loss Harvesting with Angela R. Berkosky (Ep. 209)
Watching a stock or business grow substantially can feel rewarding, until you start thinking about the tax bill that could come with selling it. For investors with appreciated stock, multiple account types, or proceeds from a major sale, investment decisions and tax decisions can quickly become intertwined. In this episode, Larry Heller, CFP®, CDFA®, speaks […]
From Portfolio Performance to Purposeful Retirement Planning (Ep. 208)
Are you approaching retirement and wondering whether your investments, spending, taxes, estate plan, and future goals are all working together? A retirement plan should do more than track portfolio performance. It should help you understand how your money can support the lifestyle you want, while accounting for income needs, taxes, market risk, family priorities, and […]
Planning to Sell Your Trade Business? What to Do Before Retirement (Ep. 207)
How do you sell a trade business and turn decades of work into retirement income? If you’re a contractor, electrician, plumber, landscaper, HVAC professional, or another skilled-trade owner thinking about retirement, the decisions you make before the sale may affect what your business is worth, how much you keep after taxes, and how the proceeds […]
The Retirement Confidence Checklist: 6 Things to Review Before You Retire (Ep. 206)
Are you approaching retirement and wondering whether your spending, investments, taxes, insurance, estate plan, and retirement lifestyle are all working together? 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 […]
Common Estate Planning Mistakes That Can Undermine Your Legacy with Dom Parillo (Ep. 205)
A lot of people think their estate planning is complete once the legal documents are signed. But for retirees and families with complex assets, those documents may not be enough if trusts, beneficiary designations, account ownership, and tax planning aren’t coordinated. In this episode, Larry Heller, CFP®, CDFA®, speaks with Dominick J. Parillo, JD, CFP®, […]
What to Do After Selling Your Business: 5 Mistakes That Could Affect Your Retirement (Ep. 204)
What should you do after selling your business? Closing the deal is a major milestone, but it’s only the beginning of a new chapter. Without a thoughtful plan, emotional decisions, tax surprises, and a lack of direction can undermine the financial freedom you’ve worked so hard to achieve. In this episode, Larry Heller, CFP®, CDFA®, […]
Retirement in a Digital World: What Every Retiree Should Know (Ep. 203)
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 […]
Why Saving for Retirement Is Easier Than Spending in Retirement (Ep. 202)
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 […]
How Widowhood Can Change Your Retirement Tax Picture (Ep. 201)
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 […]
200 Episodes of Retirement Unlocked: The Lessons That Matter Most (Ep. 200)
In this milestone 200th episode of Retirement Unlocked, Larry Heller reflects on the journey of building the podcast from an audio-only show into a growing multimedia platform focused on helping people make smarter retirement decisions. Joined by co-host Bill Tucker, Larry shares why the podcast was created, the lessons learned over 200 episodes, and how […]