Neil Himmelstein Presents: The Main Street Code for Financial Success

Hosted by Neil Himmelstein

Business Investing

Website RSS feed

Episodes

260

Latest episode

Aug 2026

Language

About the show

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.

Listen to episodes

60 recent

August 19, 2026Episode 2721 min

The Senior Show – Reverse Mortgages, Legacy Planning & Retirement Risks – S1E27

Let’s get into it—this is The Senior Show! In this episode of The Senior Show , Neil Himmelstein and Tim Kennedy discuss how reverse mortgages, life insurance, trusts, and tax planning can work together as part of a larger retirement and legacy strategy. They cover homeowners who are “right-sizing,” managing capital gains concerns, using home equity instead of selling property, and structuring life insurance to help equalize inheritances among children. Tim shares examples involving high-value homes, proprietary reverse mortgages, reverse-for-purchase strategies, and using home equity to preserve lifestyle while planning for legacy goals. The episode also touches on gray divorce, splitting home equity later in life, the tax impact of inherited retirement accounts, changing laws, Medicaid and long-term care uncertainty, and why retirement plans should be reviewed regularly as life, markets, taxes, and family dynamics change. 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/

August 18, 2026Episode 3120 min

The Main Street Code – Divorce, Business Breakups & Financial Protection - S7E31

Welcome to The Main Street Code for Financial Success! In this episode, Neil Himmelstein discusses the financial planning that should happen before, during, and after a divorce. He covers organizing assets, reviewing beneficiary designations, choosing your own financial professionals, protecting support obligations with life insurance, and planning for long-term care and blended families. Neil also explains why business owners need to prepare for a “business divorce” with a clear business will or buy-sell agreement, life and disability insurance, and a plan for what happens if a partner dies, becomes disabled, or wants out. 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.

August 11, 2026Episode 2621 min

The Senior Show – Fraud Prevention, AI Scams & Financial Guardrails for Seniors – S1E26

Let’s get into it—this is The Senior Show! In this episode of The Senior Show , Neil Himmelstein and Tim Kennedy discuss the growing threat of fraud, scams, and AI-driven deception targeting seniors and families. They explain how scammers use fake voices, urgent phone calls, gift card schemes, wire fraud, romance scams, stolen passwords, checks, Venmo/Zelle transfers, and even manipulated recordings to get access to people’s money. Neil and Tim also cover practical protections, including stronger passwords, verifying requests before sending money, using a 24-hour “cooling off” rule, keeping spouses and family members informed, knowing where important documents are stored, questioning medical bills and invoices, and creating financial guardrails through trusts, insurance policies, updated beneficiaries, and professional planning. 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/

August 10, 202620 min

The Main Street Code – AI, Customer Service & Blended Family Inheritance Planning - S7E30

Welcome to The Main Street Code for Financial Success! In this episode of The Main Street Code for Financial Success , Neil Himmelstein discusses two major planning concerns: the decline of customer service in an AI-driven world and the importance of proper estate planning for blended families. He warns that while AI and automation can be useful, overreliance on technology can create frustration, fraud risks, and poor service when people need real human help with insurance, legal, financial, or estate matters. Neil then shifts to blended family inheritance planning, explaining why simple wills, outdated beneficiary designations, joint ownership, and lack of trusts can create conflict between spouses, children, stepchildren, and ex-spouses. The episode emphasizes reviewing plans regularly, using the right wills, trusts, life insurance, and beneficiary designations, and creating clarity so assets go where intended while protecting family relationships. 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.

August 4, 2026Episode 2521 min

The Senior Show – Life-Stage Planning, Long-Term Flexibility & Hidden Retirement Taxes – S1E25

Let’s get into it—this is The Senior Show! In this episode of The Senior Show , Neil Himmelstein and Tim Kennedy continue their discussion on financial planning through different life stages, focusing on how younger adults, parents, and retirees all need flexible strategies as housing, health, income, and family dynamics change. Neil shares an example of parents looking into long-term care planning for their 37-year-old child, leading into a broader conversation about whole life insurance with long-term care riders, cash value, disability protection, and the importance of using multiple carriers and tools because every family’s situation is different. The episode also covers longevity risk, working longer, Medicare’s IRMAA surcharge, tax diversification, life insurance as a tax-free income source, and reverse mortgage lines of credit as a buffer asset that can help retirees access home equity without triggering taxable income. 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/

August 3, 2026Episode 2920 min

The Main Street Code – Long-Term Care, Market Risk & Flexible Planning - S7E29

Welcome to The Main Street Code for Financial Success! In this episode, Neil Himmelstein discusses why financial and long-term care planning should look different at every stage of life. Using the example of a family planning for a 37-year-old, Neil explains how starting early can create more flexibility for retirement income, long-term care, and future protection. He also breaks down whole life insurance, indexed life insurance, fixed indexed annuities, inflation, interest rates, and market volatility. The message is simple: do not be scared—be prepared with a plan built around your age, health, and financial goals. 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.

July 28, 2026Episode 2421 min

The Senior Show – Financial Planning Through Life Stages, Benefits & Protection Basics – S1E24

Let’s get into it—this is The Senior Show! In this episode of The Senior Show , Neil Himmelstein and Tim Kennedy discuss how financial planning changes across different stages of life, from young adulthood and marriage to raising children, becoming empty nesters, and preparing for retirement. They focus especially on the planning conversations people should have in their 20s and 30s, including reviewing employer benefits, contributing to a 401(k), understanding Roth 401(k) options, taking advantage of company matches, and protecting income with disability insurance. Neil and Tim also explain why life insurance, permanent insurance, cash value, and reverse mortgage lines of credit can serve as important liquidity and control tools, while emphasizing that planning should begin early, before health, family, or financial changes limit someone’s options. 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/

July 27, 2026Episode 2820 min

The Main Street Code – Building Your Retirement Paycheck - S7E28

Welcome to The Main Street Code for Financial Success! In this episode, Neil Himmelstein explains how to replace your paycheck when you retire. He breaks down how Social Security, pensions, savings, IRAs, brokerage accounts, and annuities can work together to create reliable income. Neil also discusses essential versus discretionary expenses, tax diversification, inflation, market risk, longevity, and long-term care costs. The goal is simple: build a retirement paycheck that supports your lifestyle for the rest of your life. 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.

July 21, 2026Episode 2320 min

The Senior Show – Social Security, Home Equity & Using the Right Retirement Tools – S1E23

Let’s get into it—this is The Senior Show! In this episode of The Senior Show , Neil Himmelstein returns with Tim Kennedy for a discussion on Social Security, retirement income, home equity, and the importance of using the right financial tools for each situation. They talk about Social Security funding challenges, why retirees should not rely on Social Security alone, and how Roth accounts, life insurance, and reverse mortgage lines of credit can provide tax-efficient sources of liquidity. The conversation also covers Long Island homeowners facing capital gains and housing affordability issues, using reverse mortgages to purchase a second or downsized home, jumbo reverse mortgages for higher-value properties, and why professional advice matters when evaluating life insurance, annuities, reverse mortgages, and other retirement planning strategies. 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/

July 20, 2026Episode 2720 min

The Main Street Code – Infinite Banking: Benefits, Risks & Policy Loans - S7E27

Welcome to The Main Street Code for Financial Success! In this episode, Neil Himmelstein breaks down the infinite banking concept and how whole life insurance can create liquidity for real estate, business opportunities, and retirement planning. Neil explains how policy loans work, why cash value can continue to grow while money is borrowed, and how features like disability waivers and long-term care riders may add protection. He also covers the risks, including unpaid loans, policy lapses, unexpected taxes, and older policies that may need to be reviewed or rescued. The message is simple: infinite banking can be useful, but it must be managed carefully. 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.