Neil Himmelstein Presents: The Main Street Code for Financial Success

Hosted by Neil Himmelstein

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244

Latest episode

Jun 2026

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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.

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60 recent

June 16, 2026Episode 1921 min

The Senior Show – Aging in Place, Wellness Architecture & Future-Proofing the Home – S1E19

Let’s get into it—this is The Senior Show!In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy welcome architect Katherine Serrano Sosa of Rooted Architecture Studio to discuss how home design can support health, safety, accessibility, and aging in place. Katherine explains how wellness-focused architecture uses natural materials, better lighting, smoother room flow, safer bathrooms, ramps, wider spaces, and future-ready features like blocking for grab bars or possible elevator access. The conversation also covers practical planning for seniors and families, including reducing trip hazards, adapting homes before mobility issues become urgent, improving wayfinding, choosing more accessible hardware, and deciding whether to renovate, relocate, or use financial tools like reverse mortgages to remain safely at home.Catch episodes on YouTube, Spotify & Apple Podcasts.For questions or planning help:Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠⁠Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

June 15, 2026Episode 2420 min

The Main Street Code – Inherited Annuities, Taxes & Income Planning - S7E24

Welcome to The Main Street Code for Financial Success!In this episode, Neil Himmelstein walks through a real family case involving inherited IRA annuities, non-qualified annuities, multiple beneficiaries, and special needs planning. He explains how different inherited assets are taxed, why payout decisions matter, how stretch strategies can help reduce the tax hit, and why careful coordination with attorneys, accountants, and advisors is so important. Neil also discusses creating future income streams so inherited wealth can support the next generation instead of being lost to poor 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.

June 10, 2026Episode 1821 min

The Senior Show – Women, Wealth & Planning for Generational Security – S1E18

Let’s get into it—this is The Senior Show!In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy welcome financial planner Andrea Owen-Boyd to discuss women, wealth, legacy planning, and the importance of preparing families for life’s financial changes. Andrea shares the mission behind her Woman, Wisdom and Wealth series, which helps women build confidence, clarity, and access to financial education around investing, protection, and preserving wealth. The conversation also covers the emotional side of financial planning, including cultural attitudes toward keeping the family home, the role of reverse mortgages and home equity in retirement income planning, and why each family’s situation requires a customized strategy. Neil, Tim, and Andrea also highlight how poor planning can affect multiple generations, especially when death, long-term care needs, cognitive decline, or caregiver responsibilities create unexpected financial strain. Catch episodes on YouTube, Spotify & Apple Podcasts.For questions or planning help:Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠⁠Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

June 9, 2026Episode 2320 min

The Main Street Code – Andrea Owen-Boyd on Women, Wealth & Planning - S7E23

Welcome to The Main Street Code for Financial Success!In this episode, Neil Himmelstein is joined by Andrea Owen-Boyd to discuss financial education, the importance of keeping up with change, and why women need to be part of every planning conversation. Andrea shares the mission behind her Women, Wisdom and Wealth Series, while Neil and Andrea also talk about beneficiary designations, estate planning, special needs planning, and the risks families face when documents are not updated. 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.

June 2, 2026Episode 1721 min

The Senior Show – Brain Health, Memory Training & Everyday Habits for Cognitive Wellness – S1E17

Let’s get into it—this is The Senior Show!In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy welcome Olga Binyaminov of Exceed Learning Center to discuss brain health, memory training, and practical ways adults and seniors can support cognitive function. Olga explains how reduced mental engagement, overreliance on phones, calculators, GPS, and AI, along with stress, poor sleep, lack of exercise, and nutrition habits, can contribute to cognitive decline. The conversation covers brain-training activities like puzzles, reading, learning new words, social interaction, walking, gardening, cards, Scrabble, piano, and intentionally using the brain in everyday life. They also discuss the importance of starting early, managing stress, staying socially connected, and building consistent habits rather than relying on a “magic pill” to protect long-term brain health.Catch episodes on YouTube, Spotify & Apple Podcasts.For questions or planning help:Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠⁠Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

June 1, 2026Episode 2221 min

The Main Street Code – Long-Term Care, Tax Efficiency & Legacy Planning - S7E22

Welcome to The Main Street Code for Financial Success!In this episode, Neil Himmelstein discusses rising health coverage costs, the financial stress many Americans face in retirement, and why long-term care remains one of the biggest risks to a solid plan. He explains how tax-efficient strategies, trusts, long-term care coverage, and careful use of retirement assets can help protect both your income and your legacy. Neil also shares why every financial plan should be tailored to the individual and why important insurance documents should always be easy to find.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.

May 27, 2026Episode 1620 min

The Senior Show – Heart Health, Aging in Place & Planning Before a Crisis – S1E16

Let’s get into it—this is The Senior Show!In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy discuss why proactive health and financial planning are so important before a crisis occurs. The conversation begins with heart health, family history, regular checkups, nutrition, and the everyday habits that can affect long-term wellness. They also explore how health challenges like Parkinson’s, mobility limitations, and the rising cost of care can create major financial pressure for seniors and their families. Neil and Tim explain how reverse mortgages, home equity strategies, long-term care insurance, life insurance, and comprehensive planning can help older adults stay in control, age in place, and prepare for future care needs before options become limited. Catch episodes on YouTube, Spotify & Apple Podcasts.For questions or planning help:Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠⁠Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

May 26, 2026Episode 2120 min

The Main Street Code – Long-Term Care, Inheritance & Beneficiary Planning - S7E21

Welcome to The Main Street Code for Financial Success!In this episode, Neil Himmelstein discusses how older life insurance policies and annuities can be repositioned to help cover long-term care needs. He also explains why beneficiary designations on life insurance and annuities matter, how inherited accounts can trigger tax issues, and why lump-sum payouts to younger heirs often need careful planning. Neil’s message is simple: your strategy should change as your life changes, and good planning can help protect both your care needs and your legacy.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.

May 19, 2026Episode 1521 min

The Senior Show – Estate Planning, Trusts & Long-Term Care Decisions – S1E15

Let’s get into it—this is The Senior Show!In this episode of The Senior Show, Neil Himmelstein and Tim Kennedy welcome estate planning attorney Jackie Cara of Cara Law for a practical discussion on how property ownership, trusts, Medicaid planning, and long-term care decisions can affect families. They explain why “simple” estate situations often become complicated, especially with tenants in common, probate, blended family dynamics, and unclear ownership structures. The conversation also covers revocable vs. irrevocable trusts, Medicaid’s five-year lookback period, the tradeoff between control and asset protection, and how reverse mortgages, legal planning, insurance, and liquidity strategies can work together to help seniors age in place while protecting their financial future. Catch episodes on YouTube, Spotify & Apple Podcasts.For questions or planning help:Neil Himmelstein - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.mainstreetplanninggroup.com/⁠⁠⁠⁠Tim Kennedy - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.timtalksreverse.com/

May 18, 2026Episode 2021 min

The Main Street Code – Estate Planning Mistakes with Jackie Cara – S7E20

Welcome to The Main Street Code for Financial Success!In this episode, Neil Himmelstein is joined by Jackie Cara to discuss why estate planning mistakes can create major problems for families. Neil and Jackie cover wills, trusts, probate, beneficiary designations, guardianship, and why failing to update documents can lead to delays, court involvement, and unnecessary costs. They also explain the risks of do-it-yourself legal documents, the importance of planning for young children, and how special needs trusts and life insurance can help protect loved ones and preserve benefits.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.