The start of a new year is one of the most valuable planning moments for retirees, not because everything needs to change, but because the right questions can shape better decisions all year long.

In this episode, Larry Heller, CFP®, CDFA®, walks through the key January questions retirees should be asking, covering taxes, withdrawals, cash management, portfolio alignment, and lifestyle planning, so small adjustments now can help reduce stress later.

Larry discusses:

• Why it matters which accounts you withdraw from in retirement, not just how much you take
• How tax-efficient withdrawal planning can help manage future tax brackets
• When Roth conversions may still make sense during retirement
• How much cash do retirees want on hand to avoid selling investments during market downturns
• Why portfolio alignment should support spending needs, inflation, and peace of mind
• The importance of reviewing beneficiaries, estate documents, and healthcare cost planning
• How planning builds confidence to enjoy retirement without overspending or underspending
• And more!

Resources:

• January Retiree Checklist
• Schedule a complimentary 20-minute call with the Heller Wealth Management team. Schedule a 20-Minute Call

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®

Selling a business is one of the biggest financial decisions an owner will ever make, and the right preparation can shape both the outcome and the next chapter of life.

In this episode, Larry Heller, CFP®, CDFA®, speaks with Gregg Schor, CEO of Protegrity Advisors, about what business owners need to understand before entering the mergers and acquisitions process. Gregg shares practical, experience-based insights into how different buyer types approach transactions and how sellers can position themselves well ahead of a sale to improve both financial and non-financial outcomes. Together, they walk through the typical Mergers & Acquisitions timeline and key decision points business owners should be prepared to navigate from early planning through closing.

Gregg discusses:

• The different types of buyers in today’s market, including strategic buyers, private equity firms, and family offices
• How seller goals influence deal structure, timing, and buyer fit
• The role of cash at closing, earnouts, and rollover equity in a transaction
• Why the best time to consider selling is often when the business is performing well
• What preparation really looks like, from financials and contracts to reducing owner dependency
• How the M&A process typically unfolds, from early planning through closing
• And more

Connect with Gregg Schor:

• Protegrity Advisors
• LinkedIn: Gregg Schor
• gschor@protegrityadvisors.om
• (631) 285-3172

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:

Gregg Schor is the CEO of Protegrity Advisors and has over 25 years of experience managing mergers and acquisitions, corporate development, legal, and human resources for companies of all sizes in a wide range of industries. He has previously held senior management positions at companies that have been acquired by IBM, Microsoft, and EMC, including Deputy and General Counsel, Senior Vice President of Corporate Development, Senior Vice President of Human Resources, and Director of European Operations. As a result, he brings a very unique perspective to Protegrity clients, having been on all sides of M&A transactions and in a variety of roles.

Over the years, he has developed an extensive network of national and international relationships with public and private companies, private equity firms, family offices, search funds, and serial entrepreneurs, looking for businesses to acquire. He is on the boards of the Exit Planning Institute and the Alliance of Merger & Acquisition Advisors, and is a member of the Exit Planning Exchange (Long Island Chapters).

Gregg received a J.D. from St. John’s University School of Law and a Diploma on International and Comparative Law for study in Russia and Poland from the University of San Diego School of Law. He also completed the Mergers and Acquisitions Executive Education Program at the Wharton School of the University of Pennsylvania and the Certificate Program in Family Business Leadership and Governance from Cornell University.

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®