Planning for retirement in your sixties involves a series of decisions that shape the rest of your life. Many retirees and pre-retirees are unsure how Social Security, healthcare, taxes, investments, and estate planning all work together, and this uncertainty can lead to costly missteps.

In this episode, Larry Heller, CFP®, CDFA®, breaks down the most common mistakes he sees people make during this decade and explains how thoughtful planning can help you approach retirement with clarity and confidence. He highlights real-world scenarios where timing, income needs, and coordination across financial decisions can make a meaningful difference for retirees and their families.

What to expect:

• The Social Security mistakes many people make at ages 62 to 67
• How income needs, longevity, and spousal benefits affect the right claiming strategy
• Why knowing your spending is one of the most powerful pieces of retirement planning
• Healthcare planning essentials, including Medicare, IRMAA, and long-term care
• Managing investments in your sixties without becoming too conservative too quickly
• Missed tax opportunities such as Roth conversions and withdrawal sequencing
• Emotional preparation and lifestyle planning for a fulfilling retirement
• Why updated estate documents and beneficiary designations matter
• And more!

Resources:

• Download the checklist: Key Retirement Decisions in Your 60s

Connect with Larry Heller:

• (631) 248-3600
• Schedule a 20-Minute Call
• Heller Wealth Management
• LinkedIn: Larry Heller, CFP®, CDFA®, CPA
• YouTube: Retirement Unlocked with Larry Heller, CFP®

Retirement planning for Northwell Health employees involves understanding a range of unique benefits and making strategic financial decisions. Many employees across all tiers and roles are unsure how these pieces fit together as they approach retirement.

In this episode, Larry Heller, CFP®, CDFA®, speaks with Belinda Tsui, CFP®, about how strategic planning can help employees understand what they have, what they may be leaving unclaimed, and how each decision affects retirement planning goals.

They explore common scenarios for physicians, nurses, administrators, and other employees navigating their retirement plan options. The message is clear: knowing your benefits early, coordinating income sources, and avoiding costly timing mistakes can make a meaningful difference for Northwell employees when it’s time to retire.

What to expect:

• The most common benefits Northwell employees might miss
• Key decisions employees face as they approach age 65
• Northwell pensions, cash balance plans, and deferred compensations
• How Heller Wealth Management has helped their Northwell clients that are nurses, administrators, & physicians to set up for a successful retirement
• And more!

Resources:

• Northwell Employee Retirement Ready Checklist

Connect with Belinda Tsui:

• (631) 248-3600
• LinkedIn: Belinda Tsui
• Heller Wealth Management

Connect with Larry Heller:

• (631) 248-3600
• Schedule a 20-Minute Call
• Heller Wealth Management
• LinkedIn: Larry Heller, CFP®, CDFA®, CPA
• YouTube: Retirement Unlocked with Larry Heller, CFP®

About Our Guest:

Belinda Tsui, CFP® approaches wealth management the same way she undertakes any other discipline in her life. She has many clients that are working for Northwell Health or have retired from Northwell Health with her help. With laser focus, cool reserve, steely resolve and unwavering adherence to the principals and fundamentals that foster success and lead – ultimately – to mastery of the craft. The ‘craft’ in this case being comprehensive financial and investment planning. The finer points of which include designing customized portfolios, plan implementation, portfolio rebalancing, customizing asset reports and operations management. Skills acquired and finely honed over 20 years of advising, counselling and creating financial resilience for high net worth individuals, family trusts, foundations, corporate executives and business owners.

Year-end tax season doesn’t have to catch you off guard. With the latest tax law updates now in effect, there are new windows of opportunity, but also new limitations, especially for high-income earners and business owners.

In this episode, Larry Heller, CFP®, CDFA®, sits down with Jonathan Niyazov, CPA, to unpack how the 2025 tax code changes are reshaping financial planning conversations. From expanded SALT deductions and personal exemptions to permanent bonus depreciation and R&D credits, the 2025 tax code changes are reshaping planning conversations. The real challenge? Knowing how and when to act before December 31st to keep more of what you’ve earned.

What to expect from this release:

• How income thresholds impact the new deduction and exemption limits
• Strategic planning moves for high earners, senior taxpayers, and business owners
• The power of Roth conversions, tax-loss harvesting, and retroactive refund claims
• Why choosing the right business structure may help reduce your tax bill in 2025 and beyond
• And more!

Resources:

• How to Avoid a Tax Time Bomb in Retirement (Ep. 185)

Connect with Jonathan Niyazov:

• Tax Ace LLC.
• LinkedIn: Jonathan Niyazov, CPA
• (929) 522 0607

Connect with Larry Heller:

• (631) 248-3600
• Schedule a 20-Minute Call
• Heller Wealth Management
• LinkedIn: Larry Heller, CFP®, CDFA®, CPA
• YouTube: Retirement Unlocked with Larry Heller, CFP®

About Our Guest:

Jonathan Niyazov is an accomplished Certified Public Accountant (CPA) with a wealth of experience assisting mid-size to large businesses and high-net-worth individuals with their tax needs. With a distinguished career spanning prestigious international accounting firms, he brings an acute understanding of the tax code that is crucial for any growing business and its owners. Jonathan’s expertise extends to assisting overseas companies in establishing a business presence in the United States and providing guidance to US companies expanding abroad.

He leverages his commercial tax expertise to deliver high-quality tax services to a diverse portfolio of clients across many industries and sectors. His experience and expertise is centered around tax management, consulting, and compliance, with a focus on S corporation, partnership, corporate, and individual taxation.