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®