Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important decisions get made.
In this episode, Larry Heller, CFP®, CDFA®, explains the concept of the retirement “danger zone”, the five years before and after retirement when financial, tax, and lifestyle decisions can have long-term consequences.
Larry discusses:
Why relocating for tax savings is not always as straightforward as it seems
The hidden costs of moving, including healthcare, housing, and lifestyle changes
How state-specific rules can impact taxes, estate planning, and retirement income
The importance of residency rules and avoiding costly mistakes
Real-life examples of retirees who experienced unexpected outcomes after relocating
Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice.
Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant’s current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/.
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