Neil Himmelstein Presents: The Main Street Code for Financial Success

Neil Himmelstein
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Tune in every Friday at 3PM EST to 103.9 L.I. News Radio to hear Neil's new radio show "The Main Street Code for Financial Success" www.themainstreetcode.com Main Street Planning Group is a full service insurance brokerage firm. The firm is designed to accommodate the needs of agencies, agents, and clients with comprehensive products and services to help save and protect client's assets.

  1. 3h ago

    The Main Street Code – Long-Term Care Options, Taxes & Planning Ahead - S7E38

    Welcome to The Main Street Code for Financial Success! In this episode, Neil Himmelstein explains how long-term care planning has evolved and why older policies should be reviewed carefully. He breaks down standalone coverage, life insurance with long-term care riders, asset-based plans, and long-term care annuities, including how some strategies can provide tax advantages. Neil also discusses why health and age matter when applying, how Medicaid fits into long-term care planning, and why relying on the government can limit your choices. His message is simple: plan early, review what you already have, and make sure your coverage still fits your needs. Join us every Friday at 3 PM EST on 103.9 L.I. News Radio to catch "The Main Street Code for Financial Success," hosted by Neil Himmelstein of Main Street Planning Group. Catch episodes on YouTube, Spotify & Apple Podcasts. Visit ⁠www.themainstreetcode.com⁠ for more information.

  2. 6d ago

    The Senior Show – Rising Rates, Long-Term Care & Liquidity Planning – S1E33

    Let’s get into it—this is The Senior Show! In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy discuss rising interest rates, high Treasury yields, expensive housing, credit card debt, and the pressure these trends are putting on seniors and families. They explain how higher rates can create both challenges and opportunities, from costly mortgages and 30% credit card balances to safer fixed-income options like annuities and other low-risk strategies. The conversation also focuses heavily on long-term care planning, including dementia, Alzheimer’s, rising care costs, and the importance of preparing before a health crisis makes coverage harder or impossible to obtain. Neil and Tim also connect home equity, reverse mortgages, 1031 exchanges, charitable trusts, family involvement, liquidity, and estate planning, emphasizing that real estate wealth must be planned around carefully so families are not forced to sell assets under pressure or divide property through a messy probate process. Join us every Monday at 5 PM EST on 103.9 L.I. News Radio to catch "The Senior Show," hosted by Neil Himmelstein and Tim Kennedy. Catch episodes on YouTube, Spotify & Apple Podcasts. For questions or planning help: Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

    The Senior Show – Rising Rates, Long-Term Care & Liquidity Planning – S1E33

  3. Sep 28

    The Main Street Code – Understanding Long-Term Care Insurance: What You Need to Know - S7E37

    Welcome to The Main Street Code for Financial Success! In this episode of The Main Street Code for Financial Success, Neil Himmelstein takes a closer look at long-term care insurance and the important details you need to understand when choosing or reviewing a policy. He explains what triggers a claim, monthly versus daily benefits, benefit periods, inflation protection, and coverage for home care, assisted living, memory care, and nursing homes. Neil also discusses elimination periods, reimbursement versus indemnity policies, waiver of premium, shared care benefits, and why understanding your coverage before you need care is so important. Join us every Friday at 3 PM EST on 103.9 L.I. News Radio to catch "The Main Street Code for Financial Success," hosted by Neil Himmelstein of Main Street Planning Group. Catch episodes on YouTube, Spotify & Apple Podcasts. Visit ⁠www.themainstreetcode.com⁠ for more information.

  4. Sep 22

    The Senior Show – Fed Rate Hikes, Inflation & Proactive Planning Through Change – S1E32

    Let’s get into it—this is The Senior Show! In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy discuss how a new Fed rate hike, inflation, and rising everyday costs affect seniors, homeowners, and families trying to preserve cash flow. They explain that fixed-rate mortgage holders may not feel the direct impact, but people with HELOCs, adjustable-rate mortgages, utility bills, heating costs, or fixed incomes may feel increasing pressure. The conversation also covers a divorce scenario where a reverse mortgage could help avoid pulling taxable money from retirement accounts, as well as the risks of triggering taxes and reducing future retirement growth. Neil and Tim also highlight expanded energy assistance programs, veteran tax exemptions, and other underused resources, emphasizing that people need to be proactive, ask questions, and work with professionals before rising costs or sudden life changes force rushed decisions. Join us every Monday at 5 PM EST on 103.9 L.I. News Radio to catch "The Senior Show," hosted by Neil Himmelstein and Tim Kennedy. Catch episodes on YouTube, Spotify & Apple Podcasts. For questions or planning help: Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

    The Senior Show – Fed Rate Hikes, Inflation & Proactive Planning Through Change – S1E32

  5. Sep 21

    The Main Street Code – Inflation, Budgeting & Whole Life Planning - S7E36

    Welcome to The Main Street Code for Financial Success! In this episode of The Main Street Code for Financial Success, Neil Himmelstein discusses rising fuel and heating costs, inflation risk, and why budgeting is critical to protecting your financial future. He explains how higher everyday expenses can affect retirement planning and why reviewing where your money is going can help free up cash for protection and long-term goals. Neil also breaks down fixed and indexed annuities, whole life insurance, and how cash value strategies can provide liquidity for real estate investors while supporting legacy planning. Join us every Friday at 3 PM EST on 103.9 L.I. News Radio to catch "The Main Street Code for Financial Success," hosted by Neil Himmelstein of Main Street Planning Group. Catch episodes on YouTube, Spotify & Apple Podcasts. Visit ⁠www.themainstreetcode.com⁠ for more information.

  6. Sep 15

    The Senior Show – 9/11, Liquidity Risk & Preparing for the Unexpected – S1E31

    Let’s get into it—this is The Senior Show! In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy reflect on 9/11 as a reminder of how quickly life, markets, and family finances can change. They discuss the importance of preparing for worst-case scenarios through liquidity, diversification, annuities, life insurance, and other “bumper guards” that can help families avoid scrambling during a crisis. The conversation also covers today’s vulnerabilities, from cyberattacks and grid disruptions to market volatility and rising rates, while emphasizing the need to keep important policies and documents organized so families can actually access the protection they paid for. Neil and Tim also revisit long-term care planning, explaining how insurance policies, reverse mortgage lines of credit, hybrid coverage, and tax-free home equity access can work together to protect cash flow, preserve options, and reduce liquidity risk later in life. Join us every Monday at 5 PM EST on 103.9 L.I. News Radio to catch "The Senior Show," hosted by Neil Himmelstein and Tim Kennedy. Catch episodes on YouTube, Spotify & Apple Podcasts. For questions or planning help: Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

    The Senior Show – 9/11, Liquidity Risk & Preparing for the Unexpected – S1E31

  7. Sep 14

    The Main Street Code – 9/11, Market Risk and the Price of Fear with Tim Kennedy - S7E35

    Welcome to The Main Street Code for Financial Success! In this episode of The Main Street Code for Financial Success, Neil Himmelstein reflects on 9/11 and the financial uncertainty that followed, from market closures and sharp sell-offs to liquidity concerns and fear-driven decisions. He is joined by Tim Kennedy to discuss the risks that can affect retirement, including sequence of returns, inflation, rising interest rates, bond values, loss of income, and the financial impact of losing a spouse. Neil and Tim also explain how life insurance can provide a tax-free financial buffer when families need it most. Tune in for a practical conversation about understanding risk and building more protection into your financial plan. Join us every Friday at 3 PM EST on 103.9 L.I. News Radio to catch "The Main Street Code for Financial Success," hosted by Neil Himmelstein of Main Street Planning Group. Catch episodes on YouTube, Spotify & Apple Podcasts. Visit ⁠www.themainstreetcode.com⁠ for more information.

  8. Sep 9

    The Senior Show – Labor Day, Rising Rates & Using Home Equity to Navigate Change – S1E30

    Let’s get into it—this is The Senior Show! In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy use Labor Day as a backdrop to discuss planning before the busy fourth quarter and preparing for financial change. They talk about how rising Treasury yields, mortgage rates, inflation, national debt, and housing prices can affect homeowners, retirees, and families trying to make decisions about selling, buying, refinancing, or preserving cash flow. The conversation also covers capital gains concerns for longtime homeowners, the challenge of giving up low mortgage rates, and how reverse mortgage lines of credit may help some seniors access home equity while maintaining flexibility. Neil and Tim also emphasize life insurance as a “great equalizer” in estate planning, especially when a home is difficult to divide among heirs, and encourage listeners to plan early rather than waiting for year-end pressure or life events to force decisions. Join us every Monday at 5 PM EST on 103.9 L.I. News Radio to catch "The Senior Show," hosted by Neil Himmelstein and Tim Kennedy. Catch episodes on YouTube, Spotify & Apple Podcasts. For questions or planning help: Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

    The Senior Show – Labor Day, Rising Rates & Using Home Equity to Navigate Change – S1E30
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Tune in every Friday at 3PM EST to 103.9 L.I. News Radio to hear Neil's new radio show "The Main Street Code for Financial Success" www.themainstreetcode.com Main Street Planning Group is a full service insurance brokerage firm. The firm is designed to accommodate the needs of agencies, agents, and clients with comprehensive products and services to help save and protect client's assets.

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