What tax traps could derail your retirement plans? 

In this episode, Larry Heller, CFP®, CDFA®, breaks down five major tax “gotchas” that high-net-worth retirees must navigate to protect their wealth and retirement security.

From the impact of required minimum distributions to the looming expiration of the 2017 tax cuts, Larry sheds light on often-overlooked tax challenges. He also explores strategic solutions like Roth conversions and income planning to help retirees minimize surprises and maximize financial confidence.

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It’s time to discuss the world of Mergers and Acquisitions (M&A) in accounting.

In this episode, Larry Heller, CFP®, CDFA ® sits down with Geoff Bruskin, M&A specialist from White Tiger Connections, Inc., to discuss the bustling landscape of M&A, particularly within accounting. Geoff, with his extensive background in business brokerage and private equity, sheds light on why accounting firms have become hot commodities for private equity firms and other investors in today’s market. 

They explore the emergence of PE interest in an untapped sector, revealing insights on operational optimization and technology’s transformative role. The conversation touches on AI’s potential to reshape professional services and offers a roadmap for navigating talent challenges in the industry.

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About Our Guest:

Geoff Bruskin helps CPA firms and wealth management practices scale, merge, acquire, and ultimately realize the enterprise value they’ve built. As the founder of White Tiger Connections, Geoff operates at the intersection of M&A advisory, business brokerage, and strategic growth – whether organic or through acquisition.

Beyond the accounting and financial services sectors, Geoff works with firm owners and their clients across industries – construction, logistics, IT/MSP, marketing, manufacturing, and beyond – helping them navigate liquidity events, capital raises, and succession planning with precision.

Geoff also hosts The Nexus Point Podcast, where he sits down with industry leaders, investors, and operators to dimensionalize trends in M&A, private capital, and firm growth strategy.

At the core of everything: relationships. The best opportunities emerge from trust, alignment, and a clear understanding of what success looks like – today and years down the road.

What does it mean to face the ‘sequence of returns risk’ when you retire?

In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, discusses why the order of your investment returns matters as you enter retirement. Larry also breaks down this critical aspect of retirement planning and introduces strategies that can safeguard your financial future.

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Are You Prepared for the Biggest Tax Changes in Years?

The 2025 tax landscape is about to undergo a massive shift as key provisions of the 2017 Tax Cuts and Jobs Act expire. These changes could mean higher tax rates, fewer deductions, and major implications for your income, business, and estate.

In this episode of Life Unlimited, host Larry Heller, CFP®, CDFA®, sits down with tax expert Bill Minoff to break down exactly what’s coming and what you can do now to protect your wealth. From the potential reduction in estate tax exemptions to adjustments in Social Security and corporate taxes, they uncover the critical updates that could reshape financial planning.

Don’t wait until it’s too late—understanding and preparing for these changes now could make all the difference.

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About Our Guest:

Bill Minoff is a dedicated and trusted tax executive with a proven track record of effectively managing the needs of a large family tax planning and compliance practice. With a focus on balancing the priorities of the family, Bill oversees a team responsible for preparing and reviewing a wide range of returns, including individual, fiduciary, small business, exempt organization, and business filings. 

Bill collaborates closely with family members, company and outside counsel, family office executives, and other employees to provide expert tax planning and consulting in areas such as federal and state income tax, estate and gift tax, as well as executive compensation and benefits matters.

Do you know the smartest way to manage your withdrawals in retirement?

In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency. 

Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth management. The episode explores the benefits of Roth conversions, the impact of the Secure 2.0 Act, and critical topics such as the widow penalty, annuities, and estate planning, all supported by real client insights.

Whether you’re approaching retirement or already retired, this episode offers practical tips to help you minimize taxes, optimize withdrawals, and protect your wealth and legacy. Don’t miss this valuable guide to mastering your retirement finances!

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The legal industry is evolving, and law firms are facing unprecedented challenges in recruiting and retaining top talent. In this episode of Life Unlimited, Larry Heller, CFP®, CDFA®, sits down with Shari Davidson, founder and president of On Balance Search Consultants, to explore the shifting dynamics of legal recruiting and career transitions.

Shari brings over two decades of experience in legal search consulting, offering valuable insights into pressing issues like the ongoing talent shortage, succession planning, and the challenges smaller firms face in staying competitive.

Discover how clear communication, firm culture, and leadership impact career success, and gain actionable tips on navigating mergers, acquisitions, and career transitions in today’s legal landscape.

If you’re a law firm leader or a legal professional seeking to future-proof your career, this episode is packed with must-hear advice to help you thrive in a rapidly changing industry.

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About Our Guest:

Shari Davidson is the founder of On Balance Search Consultants LLC & On-Balance Life Centers.

On Balance Search Consultants is a boutique search firm that specializes in finding top talent in the legal community. Shari has placed lateral partner attorneys, as well as group acquisitions and law firm mergers, and has assisted her clients in recruiting lateral associates, paralegals, and legal secretarial positions.

How well do you truly know your tax bracket? Did you know that not knowing enough could cost you thousands?

Get ready to learn some critical financial planning mistakes that might secretly derail your financial security.

This week on the Life Unlimited podcast, Larry Heller identifies the seven most common financial mistakes people make and how to avoid them—such as lacking knowledge about their tax bracket and neglecting estate planning updates. 

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Actionable Takeaway: Through practical examples and insightful advice, Larry highlights the importance of staying informed and proactive with your finances. 

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Estate planning goes beyond documents—it’s about protecting loved ones, achieving financial independence, and aligning plans with long-term goals.

In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, sits down with Allison Dolzani, estate planning attorney and partner at Julie Kessler, LLP, to explore strategies tailored to women navigating major life transitions like divorce, widowhood, or retirement.

They discuss critical topics, including naming guardians for minor children, safeguarding inherited assets, and maintaining up-to-date estate plans. Allison also emphasizes the importance of foundational documents like healthcare proxies, powers of attorney, and trusts in creating a solid plan.

With actionable insights on avoiding costly mistakes and tailoring plans to personal and family goals, Allison provides a clear roadmap for building an estate plan that safeguards your future and protects what matters most.

Key Points Covered:

Actionable Takeaway: Estate planning is vital to stabilizing your family’s future and building financial independence. Start today by consulting an estate planning professional to create a plan tailored to your unique needs.

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About Our Guest:

Allison Dolzani specializes in estate planning, estate administration, and Surrogate’s Court practice. Allison represents domestic and international individuals and multigenerational families in sophisticated estate planning, emphasizing minimizing the impact of gift, estate, generation-skipping transfer, and income taxes.

Allison joined the firm in September 2018. Before joining Julie Kessler LLP, Allison was an associate at a New York City law firm focused on estate administration and litigation.

Allison earned her law degree from Touro Law School. While in law school, Allison served as Research Editor of Touro Law Review and authored Intellectual Property and Constitutional Law articles.  Allison graduated magna cum laude from Western New England University with a Bachelor of Arts in Philosophy.

Choosing the right business structure isn’t just about compliance – it’s about maximizing tax efficiency and aligning with your long-term goals.

Larry Heller, CFP®, CDFA®, and William Huether, CPA, CGMA, MBA, discuss how S-Corporations can help business owners save on taxes, streamline compliance, and drive growth. They compare S-Corps to C-Corps, LLCs, and partnerships, offering insights on tax benefits, drawbacks, and strategies to align business structures with long-term goals. 

With practical advice on avoiding double taxation and leveraging pass-through entity tax (PTET) benefits, William provides a roadmap for optimizing your business structure.

Key Points Covered:

Actionable Takeaway: The right business structure could be the key to significant tax savings and long-term financial success. Consult a CPA or tax professional to evaluate your options and create a tax plan tailored to your goals.

Resources:

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About Our Guest:

William Huether is a Certified Public Accountant with over eleven years of experience with clients in a broad range of industries, including the retail, wholesale, distribution, restaurant/hospitality, not-for-profit, solar, investment company, manufacturing, and real estate industries.  William holds the Chartered Global Management Accountant (CGMA) designation from the AICPA and the Chartered Institute of Management Accountants.

William works in Sheehan’s assurance practice and provides auditing, accounting, and consulting services to clients in various industries in accordance with U.S. generally accepted accounting principles and International Financial Reporting Standards.  William also provides a variety of tax planning, compliance, and consulting services to individuals, corporations, flow-through entities, and trusts. He is an active member of the firm’s recruiting committee, a mentor in the firm’s career advisor program, and serves on the firm’s Quality Control Committee.

Retirement isn’t just about accumulating wealth – it’s about making sure it lasts. 

In this episode, Larry Heller, CFP®, CDFA®, explores the essential elements of a well-rounded distribution strategy for retirement, including guiding you through five key areas every retiree should prioritize: income vs. total return, tax management, investment allocation, longevity, and estate planning.

Larry dives deep into the shift from accumulation to distribution, revealing strategies to help retirees sustain income, reduce taxes, and cover health expenses—all while preparing a meaningful legacy. With a focus on turning retirement into a financially secure and fulfilling stage of life, this episode provides actionable advice on balancing your immediate needs with a long-term vision.

Whether you’re entering retirement or aiming to enhance your financial strategy, this episode will equip you with the tools and mindset to enjoy a confident and comfortable retirement.

Key Points Covered:

Actionable Takeaway: Review your retirement plan to ensure it supports your lifestyle, reduces tax impacts, and aligns with your legacy goals. Consult a financial planner to tailor it to your unique needs for a fulfilling retirement.

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