Dear Rochester, Retire Well: Recent Episodes

David Pulcini

In the Dear Rochester, Retire Well podcast, find trusted professionals who will guide you towards a brighter financial future. Using a multifaceted approach to personal finance for individuals, educators, and healthcare professionals, David Pulcini and his partners explore ways you can build wealth while minimizing risk so that you feel informed and empowered to walk your path towards a successful financial future.

In this episode of Dear Rochester, Retire Well, Dave Pulcini sits down with Kyle Herold to explore his incredible journey from corporate beginnings to earning a life-changing financial payout.

Kyle shares valuable insights on how he secured equity in his company, the power of ESOPs, and the smart moves that helped him achieve financial freedom. Whether you’re an aspiring entrepreneur or looking to grow your wealth through strategic planning, Kyle’s story will inspire and guide you.

Subscribe for more episodes on retirement planning, wealth building, and financial insights!

Visit out website at www.sixpointfp.com

Timestamps: 0:00 Introduction 2:15 Kyle’s Early Career and Finding Opportunity 7:30 How ESOPs and Equity Changed Everything 12:45 Key Lessons for Aspiring Entrepreneurs 18:00 Balancing Personal Life and Business Success 25:10 Closing Thoughts and Advice

WealthBuilding #Equity #FinancialFreedom #Entrepreneurship #RetirementPlanning #DearRochesterRetireWell #DavePulcini

Listen on Spotify, Apple Podcasts, or wherever you get your podcasts!

Leave a comment below with your biggest takeaway from Kyle’s journey! If you would like to talk about how SixPoint Financial Partners can help optimize for financial planning, please reach out to dpulcini@sixpointfp.com Enjoy the Show!

Philanthropy and Financial Planning with Darrell Bell | Dear Rochester, Retire Well Podcast

In this episode, we sit down with Darrell Bell, Vice President for Institutional Advancement at Nazareth University, to discuss the power of philanthropy and how anyone, regardless of wealth, can make a meaningful impact. From Darrell’s early days making cold calls to ask for donations, to now raising millions for education, he shares valuable insights into strategic giving, building a legacy, and fostering community impact.

Topics Covered:

How to align your passions with your giving
The tax benefits of charitable contributions
The importance of building long-term impact through endowments
Darrell’s journey from higher education to launching his own philanthropic advisory service

Whether you’re interested in making a difference in your community or looking for ways to incorporate giving into your financial plan, this episode is packed with practical advice and inspirational stories.

New episodes drop every week! Don’t forget to subscribe for more expert advice on financial planning, retirement, and building wealth with purpose.

Timestamps: 00:00 – Introduction: From Pittsburgh to Philanthropy 04:00 – Navigating Higher Education and Fundraising 10:30 – How to Ask for a Million Dollars: The Process Explained 15:50 – Aligning Passion with Philanthropy: Building Your Giving Plan 20:45 – NFL Contracts and Philanthropy: What Players Need to Know 30:00 – Planning for the Future: How Endowments Work

Connect with Darrell Bell: LinkedIn: Darrell Bell Website: TrustSiempre.com

Listen on the go! Available on all major podcast platforms.

Philanthropy #FinancialPlanning #DearRochesterRetireWell #NazarethUniversity #Endowments #CharitableGiving #LegacyBuilding #WealthManagement

Title: Investing Smarter in an Election Year | Insights with SixPoint CIO John Harms, CFP.

Description:

In this episode of Dear Rochester, Retire Well, host Dave Pulcini sits down with John Harms, Chief Investment Officer at SixPoint Financial Partners, to discuss the complexities of investing during an election year. With political uncertainty often leading to market volatility, John shares his expert insights on how to navigate these turbulent times and make informed investment decisions.

Whether you’re a seasoned investor or just starting out, this conversation covers essential strategies to protect and grow your portfolio in an unpredictable market. John delves into the importance of diversification, understanding market cycles, and avoiding common pitfalls driven by emotional decision-making. Tune in to learn how to keep your investment strategy on track, no matter the political climate.

Timestamps: 0:00 – Introduction 1:30 – The impact of elections on market behavior 5:45 – Key strategies for maintaining portfolio stability 10:20 – Common mistakes investors make during election years 15:00 – The role of diversification in uncertain markets 20:15 – How to stay focused on long-term goals

Don’t forget to subscribe and hit the notification bell for more insightful episodes on financial planning, investing, and retirement strategies.

Connect with Us:

Website: SixPoint Financial Partners
LinkedIn: SixPoint Financial PartnersDisclaimer:The information provided in this podcast is for educational purposes only and does not constitute financial advice. Always consult with a qualified financial advisor before making any investment decisions.

Investing #ElectionYear #FinancialPlanning #Retirement #PortfolioManagement #MarketVolatility #SixPointFinancial

Podcast with Connor Boyd: Unlocking Probate Real Estate Opportunities | NYSProbateLeads.com

In this episode, we sit down with Connor Boyd, the founder of NYSProbateLeads.com, to explore the often-overlooked world of probate real estate. Connor shares his journey, insights, and strategies for finding and capitalizing on probate properties in New York State. Learn how NYSProbateLeads.com can give real estate investors a competitive edge by providing access to exclusive probate property leads. Whether you’re an experienced investor or new to the game, Connor’s expertise offers valuable takeaways for everyone.

Don’t forget to subscribe and hit the notification bell to catch this episode live tomorrow at 9 AM on all major podcast platforms and YouTube!

Topics Covered:

What is probate real estate?

How to find profitable probate leads Connor’s journey and the creation of NYSProbateLeads.com

Tips for real estate investors

Watch the full episode here and dive into the world of probate real estate! #ProbateRealEstate #RealEstateInvesting #Podcast #ConnorBoyd #NYSProbateLeads #InvestingTips #RealEstateOpportunities

Interested in discussing your financial planning needs with me? Please reach out to me directly at dpulcini@sixpointfp.com

Check out our website: www.sixpointfp.com:

Disclosure:

Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. All investing involves risk including loss of principal. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously. Information here is provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither SixPoint Financial Partners, Private Client Services, nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of SixPoint Financial Partners. They do not necessarily represent those of Private Client Services, RFG Advisory, their employees, or their clients. This commentary should not be regarded as a description of advisory services provided by SixPoint Financial Partners or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives through Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory” or “RFG”) a registered investment advisor. Private Client Services, SixPoint Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

In this episode, I chat with Matt Mossbarger, co-founder of Wealthfeed, a cutting-edge AI-driven business development tool designed specifically for financial advisors. We dive into how Wealthfeed is revolutionizing the way advisors connect with clients, streamline their workflows, and grow their businesses.

Learn more about Wealthfeed: www.wealthfeed.com
Connect with Matt on LinkedIn: Matt Mossbarger

Interested in discussing your financial planning needs? Email Dave at dpulcini@sixpointfp.com.

Learn more about SixPoint Financial Partners HERE:

www.sixpointfp.com

On this episode, I sit down with Chief Investment Officer of SixPoint, John Harms, for an in-depth Q2 market update and analysis.

If you are interested in meeting with me to discuss your financial planning needs, please reach out to me directly at dpulcini@sixpointfp.com. Thanks!

Click HERE to visit our website

LinkedIn:

https://www.linkedin.com/in/davidpulcinisixpointfp/

Facebook:

https://www.facebook.com/profile.php?id=61558746779120

Disclosure:

Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously.

This commentary reflects the personal opinions, viewpoints and analyses of SixPoint Financial Partners. It does not necessarily represent those of RFG Advisory, Private Client Services, their clients, or their employees. This commentary should not be regarded as a description of advisory services provided by SixPoint Financial Partners or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice.

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, SixPoint Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

On this episode, I sit down with my good friend and mentor Jim Harshaw Jr to discuss how to build a framework for success. Jim is a former Division 1 All-American Wrestler at UVA, was the youngest Division 1 wrestling coach in history, and the host of the “Success for the Athletic-Minded Man” podcast.

Wesbite:

Home

LinkedIn:

https://www.linkedin.com/in/jimharshaw/

Instagram:

https://www.instagram.com/jimharshawjr/

In this episode, I sit down with Brian Chapman of JD Chapman Insurance Agency — an independent, family-owned fiduciary insurance agency who has been serving the community for over 60 years!

Brian and his team are a wealth of knowledge when it comes to insurance. He can be reached at:

Email: brian@jdchapmaninc.com

Phone: 315-986-4062

Address: 66 Main Street Macedon NY 14502

LinkedIn: https://www.linkedin.com/company/jd-chapman-agency-inc/

Disclaimer:

The information represents the views and opinions of the guest and does not necessarily represent the views and opinions of SixPoint Financial Partners.

The content has been made available for informational and educational purposes only.

The content is not intended to be a substitute for professional investing advice.

Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning.

In this episode, Nick Savas dives into the crucial concept of fiduciaries, shedding light on their role in financial advisory services. Nick explains what it means to be a fiduciary, emphasizing that a fiduciary is legally required to act in the best interests of their clients. He also provides practical advice on how to determine if your financial advisor is indeed a fiduciary, including key questions to ask them to confirm their fiduciary status.

Nick also discusses the importance of choosing the right firm for your financial advisory needs. He highlights the benefits of selecting an independent firm that is not tied to specific product companies or incentivized to promote certain products. This ensures that the advice you receive is unbiased and truly in your best interest.

Additionally, Nick addresses some common questions from his clients after he switched firms and joined us at SixPoint. He also discusses important inheritance rules for Individual Retirement Accounts (IRAs).

Tune in for more insights!

Watch The Full Episode on Youtube: https://youtu.be/L6RcTRFdInE

During this episode, you will learn about:

[01:00] Welcoming our guest, Nick Savas

[01:38] What is a fiduciary?

[03:27] How do you determine whether a financial advisor is a fiduciary, and what questions should you ask them to ascertain their fiduciary status?

[05:10] What type of firm should you choose for financial advisor services?

[06:24] What should you do if you set up a meeting with an advisor and never hear from them again?

[08:12] How Nick got into financial planning

[10:19] Questions Nick’s clients are asking him after he switched firms and joined SixPoint

[11:55] What does SixPoint mean?

Website: https://sixpointfp.com/

[12:50] The difference between tax preparation and tax planning

[15:15] Inheritance rules for Individual Retirement Accounts (IRAs)

[18:31] https://sixpointfp.com/

[19:20] Case study question: You have $300,000 in the bank, you’re 45 years old, and you want to keep it in cash or as a liquid asset. What do you do with it?

[25:02] Final words

Key Takeaways:

A fiduciary is a person or organization legally required to act in the client’s best interest. ~Nick Savas [01:38]
When choosing a firm for financial advisory services, select one that is independent, not affiliated with specific product companies, or incentivized to promote certain products. ~Nick Savas [05:10]
For IRAs, when a non-spouse inherits money, the general rule is that they must distribute all the funds from the IRA within 10 years of inheritance. ~Nick Savas [15:27]
True wealth is found in after-tax accounts. ~David Pulcini [22:37]
Tax preparation involves bringing your documents to a CPA or tax preparer, who determines whether you owe taxes or will receive a refund. Tax planning focuses on strategies to reduce your tax bill now and in the future. ~David Pulcini [12:50]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

As individuals navigate their financial planning journey, they often encounter pressing questions. In this episode, David Pulcini tackles his top three frequently asked questions.

One of the most pressing concerns for many individuals is what happens to their accounts when their financial advisor decides to retire. David emphasizes taking control and choosing where you want to go rather than letting someone else decide for you.

Next, David breaks down the concept of capital gains and explains how these taxes could shift under President Biden’s 2025 budget proposal. Furthermore, he highlights that capital gains are more favorable for long-term investments.

Finally, for those eager to kick-start their financial planning journey, David offers invaluable advice on taking that crucial first step. It all begins with finding the right advisor who can guide you through the process or connect you with someone who can. Partnering with a trusted advisor sets the stage for a successful financial journey, laying the groundwork for achieving your long-term goals and aspirations.

Watch The Full Episode on Youtube: https://youtu.be/L6RcTRFdInE

During this episode, you will learn about:

[01:14] Welcome to the episode

[01:31] Question #1: What is going to happen to my accounts when my advisor retires?

[02:55] What to do when your advisor is nearing retirement

[05:32] What does SixPoint mean?

Website: https://sixpointfp.com/

[05:56] Question #2: Capital gain rates changing?

[06:18] The meaning of capital gains

[08:28] How would the capital gains tax change under President Biden’s 2025 budget proposal?

[10:21] https://sixpointfp.com/

[10:24] Question #3: How do I start serious financial planning?

[11:22] The first step to financial planning

[14:27] Get help from David Pulcini: 585 487 0947

Key Takeaways:

The current average age of financial advisors is approaching 60, and it’s anticipated that 38% of them will retire within the next 10 years. [01:44]
When your advisor retires, choose where you want to go rather than letting someone else decide for you. [04:01]
The capital gains tax rate varies depending on how long the asset was held and your income level. [07:00]
Short-term capital gains are realized on assets sold after holding them for one year or less, while long-term capital gains are realized on assets sold after holding them for more than one year. [07:14]
Short-term capital gains align with your ordinary income. [07:55]
Capital gains are more favorable for long-term investments. [08:10]
“The best time to plant a tree was 20 years ago; the second best time is right now.” [10:54]
“Start where you are, use what you have, and do what you can.” [11:00]
“The secret to getting ahead is getting started.” [11:03]
“The journey of a thousand miles begins with one step.” [11:07]
The first step to financial planning is finding an advisor who can work with you or introduce you to someone who can. [11:22]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

After dedicating 33 years to the education system as a middle school teacher, Lisa Sanchez retired from her career. Having meticulously prepared for her retirement over many years, she anticipated that things would go smoothly when she retired.

However, life took an unexpected turn when she found herself responsible for taking charge of her 94-year-old aunt, who had a mental health condition. In this episode, Lisa recounts the challenges she encountered while trying to investigate her aunt’s possessions and determining her eligibility for assistance.

Discover what Lisa had to deal with when she took charge of her aunt’s situation and the duration it took her to streamline her aunt’s finances. Additionally, Lisa reveals why she took it upon herself to take charge of her aunt’s situation and shares her perspective on aging.

Gain valuable insights as Lisa discusses the changes you should consider making as you age, such as downsizing your house, ensuring you have an updated will, and having a healthcare proxy. Moreover, she advocates consolidating all your important information onto one page: bank accounts, investments, insurance policies, contact details of your attorney, and the person who handles your taxes. This ensures that your family will have easy access to all necessary information in the event of your passing.

Watch The Full Episode on Youtube: https://youtu.be/5J0re1RXTf0

During this episode, you will learn about:

[01:27] Introducing today’s guest, Lisa Sanchez

[02:21] What Lisa was doing before retirement and how she transitioned into retirement

[03:34] Her aunt’s mental health story

[06:55] The challenges Lisa encountered while attempting to investigate her aunt’s possessions and determine what she qualified for

[09:54] What Lisa had to deal with when she took charge of her aunt’s situation and the duration it took her to streamline her aunt’s finances

[12:04] What does SixPoint mean?

Website: https://sixpointfp.com/

[15:53] Why Lisa took it upon herself to take charge of her aunt’s situation

[17:37] Lisa’s perspective on aging

[19:05] https://sixpointfp.com/

[19:55] What changes could Lisa have made to prepare for this situation if she could go back 5 to 10 years?

[23:07] Action item for the listeners

Key Takeaways:

As a person ages, regardless of who they are, there should be some dignity in the aging process. [17:37]
As you age, it’s essential to consider living in a situation appropriate for your age. Downsizing your home is a wise move since your children may not be interested in some of your belongings. [20:11]
Get everything on one page: Bank accounts, investments, insurance policies, the contact details of your attorney, and the person who does your taxes. This ensures that in the event of your passing, your family will have easy access to all necessary details. [22:40]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial

• Facebook: SixPoint Financial

View The Full Episode Transcript Here

Are you tired of feeling stuck at the same financial level? This is a common experience for both employees whose salaries seem stagnant and entrepreneurs with a limiting mindset who hold themselves back from growth.

In this episode, David Pulcini explores three simple strategies for making more money and building wealth. He highlights the power of passive income, shares examples of passive income streams, and illustrates how these avenues can pave the way to a more secure financial future.

Moreover, David underscores the pivotal role of investing in oneself. Whether you’re feeling stuck in your career or seeking avenues for personal growth, nurturing your skills and knowledge can open doors to higher earnings and fulfillment. He stresses the value of expertise in driving income growth, highlighting that becoming an expert in your field can significantly impact your earning potential.

Tune in to discover more insights on how to break free from stagnation and propel yourself towards greater financial success.

Watch The Full Episode on Youtube: https://youtu.be/H_OF-5wVQtI

During this episode, you will learn about:

[01:26] Today’s theme: How you can make more money

[01:53] The target audience for this episode

[04:04] What makes David the voice of authority in this topic?

[05:14] 3 Ways to make more money

[05:25] #1 Passive income

[05:44] Examples of passive income streams

[07:54] Why passive income is important

[10:27] The role that time in the markets and good habits play in driving wealth

[11:46] What does SixPoint mean?

Website: https://sixpointfp.com/

[12:10] #2 Invest in yourself

[14:10] What you should do if you’re an employee who feels stuck

[16:06] https://sixpointfp.com/

[16:26] #3 Become an entrepreneur

[18:42] Powerful sales tip

[21:36] Final words

Key Takeaways:

Spending less than what you earn and investing consistently leads to wealth. [03:56]
Passive income helps you stop trading your most valuable asset, time, for money. [07:00]
Don’t be hard on yourself because someone else has something you think you want; you never know how they got it. [10:18]
Building wealth relies on two things: consistent good habits and time invested in the markets. [10:27]
If you want to earn more money, become an expert in what you already do or want to do. [13:09]
The majority of the wealthiest individuals are either business owners or have been in the past. [16:54]
“Money is made in sales.” ~David Pulcini [18:17]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

Today, we are thrilled to welcome Kristin Lindley and Meagan Baker, the visionary co-founders of Upstate Roots Design, a thriving company based in Rochester, NY, specializing in interior decorating, redesign, and staging.

Kristin and Meagan share the journey that led them to co-found Upstate Roots Design, diving into the personal experiences and motivations that inspired them to pursue entrepreneurship. Moreover, they offer invaluable insights into the rewards and challenges of entrepreneurship.

Tune in and discover the dynamics of working with a friend as Kristin and Meagan reflect on the joys and complexities of their partnership. Learn how they’ve navigated through challenges and differences to build a successful business rooted in friendship and shared vision.

As the conversation unfolds, Kristin and Meagan offer valuable advice on how to overcome hesitations and doubts about starting your own venture. Additionally, they discuss their favorite client success story, providing further insights into the rewards of entrepreneurship and the impact of their work.

Watch The Full Episode on Youtube: https://youtu.be/U0kZ2rAUhhk

During this episode, you will learn about:

[02:18] How Kristin Lindley and Meagan Baker met

[03:00] The backstory that inspired Kristin to co-found Upstate Roots Design with Meagan

[06:12] What prompted Meagan to co-found Upstate Roots Design with Kristin?

[09:16] When did they start the business?

[10:14] The services offered by Upstate Roots Design

[13:08] What does SixPoint mean?

Website: https://sixpointfp.com/

[13:53] What’s the best part of being an entrepreneur?

[15:56] Advice for anyone hesitant to start their own business due to the perceived job security in the corporate world

[20:10] What is it like working with a friend?

[23:07] The challenges and differences they have navigated during their partnership journey

[26:55] https://sixpointfp.com/

[27:32] The most challenging thing about entrepreneurship

[31:03] Favorite client success story

[33:24] Who is their ideal client or customer

[35:11] How to connect with Kristin and Meagan

Website: https://www.upstaterootsdesign.com/

Instagram: https://www.instagram.com/upstaterootsdesign/

LinkedIn: https://www.linkedin.com/in/upstate-roots-design-llc-477a3a181/

Facebook: https://web.facebook.com/profile.php?id=61557016735039

Key Takeaways:

Being an entrepreneur gives you the freedom to grow something on your own and be in control of what you do and how you do it. ~Meagan Baker [13:53]
Entrepreneurship offers you freedom and flexibility in your schedule to prioritize your family. ~Meagan Baker [14:14]
As an entrepreneur, you have endless opportunities for growth and innovation. ~Kristin Lindley [14:30]
When starting your own business, prioritize building your brand because a strong brand presence attracts clients. ~Kristin Lindley [18:18]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Kristin Lindley & Meagan Baker:

Website: Upstate Roots Design
Instagram: Upstate Roots Design
LinkedIn: Upstate Roots Design
Facebook: Upstate Roots Design
Pinterest: Upstate Roots Design

View The Full Episode Transcript Here

It’s that time of the year when people are figuring out their tax liabilities and what their tax refund might be. Ideally, we’d all like to end up even, owing zero and getting zero back, but that’s usually not how it works out in business.

If you are looking for tax-saving strategies that are both effective and straightforward, tune in to this episode with your host, David Pulcini, the Managing Partner at SixPoint Financial Partners.

Today, David unravels why you might owe taxes or be eligible for a tax refund this year. Moreover, he takes the listeners through 4 easiest yet remarkably effective strategies to reduce your tax burden.

First on the list is the power of channeling your savings into pre-tax retirement accounts. By increasing your contributions to these accounts, you not only secure your financial future but also enjoy immediate tax benefits.

He also explores the benefits of contributing to a Health Savings Account (HSA) and how it can serve as a dual-purpose tool for managing healthcare expenses while enjoying tax advantages such as tax-free growth and withdrawals.

Additionally, David demystifies the concept of Tax Loss Harvesting and discusses the significant impact charitable contributions can have on your tax deductions and overall financial strategy.

Finally, he emphasizes the importance of seeking professional guidance for tax and financial matters. Tune in to understand why entrusting your tax and financial planning to experts can lead to smarter decisions and potentially greater financial gains in the long run.

Watch The Full Episode on Youtube: https://youtu.be/8YAFrCoRSNo

During this episode, you will learn about:

[01:17] Why you might owe taxes or be eligible for a tax refund this year

[05:12] Easiest ways to reduce what you pay in taxes

[05:23] #1 Increasing savings into a Pre Tax Retirement Account

[07:16] What does SixPoint mean?

Website: https://sixpointfp.com/

[07:43] #2 Contribute to a Health Savings Account

[10:10] The maximum amount to contribute to an HSA,

[11:00] #3 Tax Loss Harvesting

[13:26] Tax Loss Harvesting: The garden analogy

[16:02] https://sixpointfp.com/

[16:17] #4 Charitable Contributions

[16:50] Factors influencing the extent of tax deductions for charitable contributions

[22:43] Why you should hire a professional for your tax and financial planning

Key Takeaways:

In the United States tax system, income is taxed at different rates that escalate as the income increases. [02:00]
Filling taxes involves adjustments, deductions, and additions to get the final number. [03:47]
Most successful people increase their retirement contribution by 1% or 2% every year. [06:21]
A Health Savings Account allows for tax-free withdrawals for medical expenses. [09:19]
Incorporating a Health Savings Account into the tax planning strategy secures immediate and long-term benefits through tax-free growth and withdrawals. [09:58]
Tax loss harvesting is a strategic financial move to sell investments that are at a loss to offset capital gains and reduce tax liability. [11:04]
When you donate to a qualified organization, the IRS allows you to deduct the value of your contribution from your gross income. [16:28]
Non-cash donations enable you to avoid capital gains. [17:47]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

At some point, every business must undergo a transition of ownership, whether through succession planning, a sale, or closure. Selling your business can not only bring financial freedom, but also frees you from operational burdens like employee management and client demands.

However, despite these benefits, some individuals may experience regrets because they are uncertain about what to do next as they navigate a new chapter without the familiar demands of their business.

In this enlightening episode, David Pulcini, the Managing Partner at SixPoint Financial Partners, sheds light on the transformative journey of selling a business, highlighting the profound changes that accompany such a significant decision.

Pulcini discusses the sacrifices business owners must make to ensure the success of their ventures. Additionally, he shares an inspiring story of his friend John, a visionary entrepreneur who built his business from scratch and navigated challenges and setbacks, ultimately achieving a successful sale of his business for $24 million.

Tune in for valuable insights.

Watch The Full Episode on Youtube: https://youtu.be/2JQ6WS9ggZ4

During this episode, you will learn about:

[00:32] Episode introduction

[01:05] Today’s focus: Selling your business

[01:37] The changes that occur when you sell your business

[02:29] The story of David Pulcini’s friend John, who built his business from the ground up and later successfully sold it

[03:21] The sacrifices you have to make as a business owner

[04:16] https://sixpointfp.com/

[04:31] The challenges John navigated in his business journey and how he successfully rebuilt his business

[10:30] What does SixPoint mean?

Website: https://sixpointfp.com/

[13:05] What John did with his money after selling his business for $24 million

Key Takeaways:

At some point, whether sooner or later, every business must change hands, either through a succession plan, a sale, or closure. [00:44]
Selling your business brings financial freedom and liberates you from order issues, employee concerns, and client demands. However, despite these benefits, some people may experience regrets because the business no longer needs them, leaving them with no idea of what to do next. [01:37]
As a business owner, you must constantly make sacrifices, such as missing out on social activities and experiencing less financial stability, for the sake of your business. [03:21]
First-generation business owners don’t just become successful by luck; they attain success through hard work and dedication. They sacrifice their time and friendships to achieve success in their businesses. [11:37]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

Selling a business marks a significant milestone in an entrepreneur’s journey, representing years of dedication and hard work. However, despite its importance, only a few individuals truly understand the complexities involved. As a result, most people stumble through the process and make common mistakes.

In this insightful episode, David Pulcini highlights four common mistakes entrepreneurs make when selling their businesses and how to avoid them.

First on his list is lack of preparation, a mistake that can significantly diminish the value of your business or even derail the entire sales process. Proper preparation is key to a successful sale, from accurate and professionally prepared financial records to ensuring your business runs smoothly without the owner.

Moving on, Pulcini sheds light on the mistake of overvaluing your business. He explains how overvaluing your business scares off potential buyers and prolongs the sales process. Additionally, Pulcini delves into the emotional aspects of selling a business, a dimension often underestimated by sellers. He emphasizes that selling a business is not merely a financial transaction but also emotional.

Lastly, he stresses the importance of seeking professional help when selling your business. From business brokers to attorneys and financial advisors, assembling the right team can streamline the process and ensure a favorable outcome.

Watch The Full Episode on Youtube: https://youtu.be/MWmP5KW1cxM

During this episode, you will learn about:

[01:06] Introduction to the episode

[01:34] 4 common mistakes when selling a business

[03:02] #1 Lack of preparation

[03:24] Preparations necessary when selling a business?

[05:33] https://sixpointfp.com/

[07:46] #2 Overvaluing the business

[08:24] Factors that differentiate the selling prices between two companies in the same industry

[09:30] #3 Underestimating the emotional aspects of selling your business

[12:33] What does SixPoint mean?

Website: https://sixpointfp.com/

[12:58] #4 Attempting to sell the business without professional help

[13:10] Key people to have on your team when selling your business

[14:07] Recap of the episode

Key Takeaways:

Lack of preparation can significantly diminish the value of your business or even derail the sales process completely. [03:05]
When selling your business, ensure that your financial records are accurate, transparent, and professionally prepared. [03:28]
A business that runs smoothly without the owner is more attractive to buyers. [05:07]
Making yourself obsolete will make your business worth significantly more. [05:16]
Overvaluing your business scares off potential buyers and prolongs the sales process. [07:31]
“Selling your business is not just a financial transaction; it’s emotional.” ~David Pulcini [09:35]
Sell your business to the right person because whoever buys your business becomes part of your legacy. [12:54]
When selling your business, you need a business broker, an accountant, an attorney, and a financial advisor. [13:10]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

Choosing a financial advisor is a crucial decision that requires careful consideration since it involves entrusting someone with your financial future. Before making this choice, it is essential to have a clear understanding of your financial needs and goals, as these factors will determine the type of advisor best suited for you.

The ideal financial advisor should not merely be a service provider but rather a dedicated partner in your financial journey, someone with whom you feel a sense of comfort and confidence in their ability to manage your money effectively.

In today’s episode, David Pulcini unveils the key considerations before embarking on the journey of selecting a financial advisor. He also provides valuable insights into the kind of advisor that fits you best.

Furthermore, David shares a list of 14 questions that listeners should ask any potential financial advisor. These questions range from exploring the advisor’s unique approach to retirement planning to understanding how they tailor strategies to meet individual client needs.

Lastly, he outlines a four-step guide to assist listeners in making an informed decision when choosing a financial advisor and reveals why opting for an advisor from a large firm might not be the most suitable choice.

Watch The Full Episode on Youtube: https://youtu.be/mYtMH8gyhS8

During this episode, you will learn about:

[00:38] What’s in for you in today’s episode: How to choose a financial advisor

[01:23] What you need to do before selecting a Financial Advisor

[03:35] https://sixpointfp.com/

[03:52] What kind of financial advisor should you look for?

[06:32] 14 questions you should ask any financial advisor

[09:28] What does SixPoint mean?

Website: https://sixpointfp.com/

[10:01] 4 steps to help you when choosing a financial advisor

[11:19] Why you should not choose an advisor from a large firm

[12:56] Get in touch with with David Pulcini: https://sixpointfp.com/

Key Takeaways:

Before selecting a financial advisor, you should understand your financial needs and goals. [01:22]
Your needs will dictate the type of advisor best suited for you. [01:43]
You need to feel comfortable and confident in your advisor’s ability to manage your money. [08:46]
Your financial advisor should feel like a partner in your journey, not just a service provider. [09:01]
Choose a financial advisor who not only has the expertise, but also aligns with your financial vision. [12:42]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

Planning for retirement and ensuring financial security in the post-retirement years involves more than just accumulating wealth through savings and investments; it encompasses cultivating the comfort and confidence to meet present and future needs.

Achieving this security begins with creating a good retirement budget, a strategic tool that lays the groundwork for a stable and worry-free financial journey throughout one’s retirement years.

In this episode, David Pulcini, the Managing Partner at SixPoint Financial Partners, delves into why working with a Financial Advisor is essential. Moreover, he shares invaluable insights on how to create a good retirement budget.

Additionally, he uncovers the 5 biggest retirement planning mistakes that people make and guides the listeners through 8 essential action steps to enhance their retirement planning.

Tune in for a wealth of knowledge that will transform your approach to retirement planning.

Watch The Full Episode on Youtube: https://youtu.be/8MR3eK_Ac38

During this episode, you will learn about:

[01:17] What is the point of working with a Financial Advisor?

[02:00] The meaning of financial security

[02:59] How to create a good retirement budget

[04:58] https://sixpointfp.com/

[06:00] 5 Biggest retirement planning mistakes that people make

[13:55] What does SixPoint mean?

Website: https://sixpointfp.com/

[14:34] 8 Essential action steps to enhance your retirement planning

Step #1 Determine your financial needs

Step #2 Identify funding sources

Step #3 Plan backwards for saving

Step #4 Align investments with your goals

Step #5 Maximize social security & pensions

Step #6 Minimize your taxes legally

Step #7 Update legal documents
Step #8 Conduct annual reviews

[15:59] Connect with David Pulcini: https://sixpointfp.com/

Key Takeaways:

“Financial security is not just about the numbers in your bank account or investments; it’s about the comfort and confidence that you can meet your needs today and in the future.” ~David Pulcini [02:03]
“Taxes don’t retire when you do.” ~David Pulcini [07:41]
Effective estate planning ensures that your assets are distributed according to your wishes, providing clarity and ease for your loved ones. [12:27]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

View The Full Episode Transcript Here

In this episode, we sit down with Alex Neri, a Retirement Income Certified Professional (RICP), Certified Financial Planner (CFP), and a partner at SixPoint Financial Partners. We dive into the financial landscape of 2024, exploring key tax numbers that could shape your financial strategy.

Alex breaks down key numbers that matter, highlighting changes in contribution limits for 401(k) or 403(b) retirement accounts. Additionally, Alex takes us through the changes in IRA contribution limits, exploring the recent adjustment in the age requirement to 75.

He also takes us through the changes in Required Minimum Distribution (RMD) requirements and unveils the latest updates on Medicare premiums for 2024.

Time to dive in!

Watch The Full Episode on Youtube: https://youtu.be/Gufow9KbZao

During this episode, you will learn about:

[01:14] Get to know our guest, Alex Neri

[02:18] Today’s focus: 2024 Important Tax Numbers

[02:24] Get a copy of the 2024 Tax Fact Cheat Sheet Email: aneri@sixpointfp.com

[03:32] The changes in the contribution limit for 401(k) or 403(b)

[05:18] Changes in IRA contributions limits

[06:49] https://sixpointfp.com/

[07:06] What should people do with their extra money?

[10:20] What is an RMD, and what are the changes in RMD requirements?

[11:46] What’s new in the Medicare premiums for 2024?

[15:49] Additional things to look out for in 2024

[16:41] Action items

[17:42] Best way to reach out to Alex Neri

Email: aneri@sixpointfp.com

Key Takeaways:

The contribution limits for 401(k) or 403(b) have increased, now allowing a base contribution of $23,000 [03:33]
Required Minimum Distribution age for IRAs raised to 75 [10:20]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Alex Neri:

SixPoint Financial
aneri@sixpointfp.com
LinkedIn: Alex Neri

View The Full Episode Transcript Here

Welcome to an insightful episode featuring John Harms, Partner and Investment Advisor Representative at SixPoint Financial Partners. In this engaging conversation, John reveals what prompted him to embark on investment planning. Furthermore, he offers a thorough recap of the investments and market dynamics of 2023.

As the episode unfolds, he discusses common mistakes observed among clients throughout the year, providing valuable lessons for all investors. Gain valuable knowledge as John addresses the critical question: When is the right time to exit a stock? Uncover practical guidance on navigating stock market fluctuations and making informed decisions.

As we wrap up, John shares his insights on what investors can anticipate in the upcoming year, equipping listeners with essential information to prepare for the challenges and opportunities ahead.

Watch The Full Episode on Youtube: https://youtu.be/c_WM6r8dmCU

During this episode, you will learn about:

[01:09] Introducing today’s guest, John Harms
[02:19] What prompted John to embark on investment planning?
[04:57] https://sixpointfp.com/
[05:35] A recap of 2023 investments and the market dynamics
[13:52] How often does he review the client’s performance?
[19:35] Mistakes John has seen from clients this year
[23:44] What is the right time to exit a stock?
[30:05] What to look forward to in 2024
[36:27] Best way to get in touch with John Harms

Website: https://sixpointfp.com/

Key Takeaways:

Most of the significant positive market days occur after major market declines. [19:57]
One of the best times to invest more money in the market is typically when it’s down by 30% [26:12]
As goes January, so goes the year. [28:51]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with John Harms:

SixPoint Financial
LinkedIn: John Harms

View The Full Episode Transcript Here

Financial planning transcends mere money-making; it’s about forging connections and relationships. Importantly, dedicating time to planning and investing enhances the long-term efficiency of your money.

Joining us today is Aaron Laranetto, a Wealth Manager, Temple alumni, and an independent Financial Advisor at SixPoint Financial Partners. Aaron generously reveals his path into financial services and recounts acquiring his first client.

Aaron presents a comparative analysis of working with a Brokerage Firm versus an Insurance Firm, and also explains why he chose to become an independent advisor. Aaron also pinpoints two often overlooked aspects in retirement planning.

Don’t miss out, tune in!

Watch The Full Episode on Youtube Here:

During this episode, you will learn about:

[01:18] Meet our guest: Aaron Laranetto

[01:36] Aaron’s background

[04:43] https://sixpointfp.com/

[05:33] How Aaron got into the financial services space

[08:33] How he got his first client

[11:54] Aaron’s comparative experience: Working with a Brokerage Firm vs. an Insurance Firm

[16:30] What prompted Aaron to become an independent advisor?

[19:49] Aaron’s advice to his 22-year-old self

[23:13] Who are the clients that Aaron is currently working with, and how is he assisting them?

[25:25] Where is Aaron currently located?

[27:09] The 2 common things that people often miss in their retirement plan journey

[31:02] Connect with Aaron Laranetto

Website: https://sixpointfp.com/

Email: alaranetto@sixpointfp.com

LinkedIn: https://www.linkedin.com/in/aaron-laranetto-ab87a9bb/

Key Takeaways:

“Financial planning is more than just making a good living for yourself; it’s about building relationships.” ~Aaron Laranetto [20:20]
Having confidence in yourself and your work significantly enhances your effectiveness as an advisor.. [21:22]
The more time you have to invest, the more time you will give your money to work for you. [29:14]

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Aaron Laranetto:

SixPoint Financial
LinkedIn: Aaron Laranetto
aaronlaranetto@sixpointfp.com

View The Full Episode Transcript Here

Are you tired of settling for off-the-rack clothing that doesn’t quite fit your style or personality? In this episode, David Pulcini speaks with Peter Roberti, one of the owners of Adrian Jules Custom Clothier, a Rochester-based business specializing in custom clothing. Peter goes over the company’s history, its recent successful expansion during the COVID-19 pandemic, …

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In a world where financial decisions are becoming increasingly complex, understanding the nuances of tax planning has never been more critical. In this episode, David Pulcini is joined by Trevor Smith, CPA, to talk about tax planning. Together, they go over some of the different year-end tax planning ideas that an advisor can help you …

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What information and documents do you need to make a real offer when buying a financial practice? In this episode, David Pulcini and Joe Prestigiacomo from Six Point Financial Partners end off the Purchasing Practices series by outlining the various documents they need in order to buy a practice. They discuss why the training 12 …

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So you’re ready to retire and want to sell and transition your practice, but you have a few questions. Well, guess what? We have answers. In this episode, David Pulcini and Joe Prestigiacomo from Six Point Financial Partners discuss the process of buying practices and answer frequently asked questions from advisors looking to sell their …

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Are YOU prepared for retirement? A lot of financial advisors aren’t. In this episode, David Pulcini brings on Joe Prestigiacomo, CFP®, Partner at Six Point Financial, to talk about the importance of succession planning for financial advisors. They explain the process of transitioning a financial practice and emphasize the benefits of partnering with an independent …

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Thinking about setting up a retirement plan for your business but confused by all the options? Join David Pulcini and retirement plan expert Austin Spite as they unravel the best strategies for business retirement planning. Austin shares invaluable insights from nearly a decade of experience in the broader benefits industry, including the common pitfalls, legal …

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How much money is enough to retire comfortably? In this episode, David Pulcini explains how you can figure out how much money is enough to retire comfortably. He outlines a simple four-step process to help you figure out your retirement number. David also mentions the 4% rule of thumb for safe withdrawals and emphasizes the … Continue reading How Much Money Is Enough To Retire On? (Ep. 66) →

In a previous episode, David mentioned the onboarding checklist that we use when we engage with new clients. Let’s go over that list and talk about how you can use it when you’re working with a financial advisor.

In this episode, David Pulcini discusses the importance of building processes and systems in business. He shares his experience of starting financial planning and realizing the need for systematizing and creating processes and emphasizes that building processes and systems can benefit any business, regardless of the industry. David introduces the onboarding checklist, a one-page PDF with 14 items to check off when engaging with a new client, and highlights the importance of consistent communication and providing value to clients.

David discusses:

Why building processes and systems is important in any business
Examples of various industries that can benefit from organized systems
What his onboarding checklist for new clients looks like
And more

Resources:

How To Change Financial Advisors (Ep. 63)

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

If you have money sitting in the bank, it’s likely a depreciating asset. How can you get it to stop depreciating and start accumulating?

In this episode, David Pulcini addresses a common question he gets asked, “I have cash sitting in the bank, basically earning nothing. What can I do with it?” David gives various options to suit different situations, emphasizes the urgency of cash holdings, and cautions against trying to time deposits into investment accounts.

David discusses:

The history of interest rates and the current situation of low-interest rates on cash in the bank
The potential loss of value due to inflation rates rising
Why paying off debt is the first thing you should do with any cash sitting in your bank account
Where and when to invest your money
Why you need to consider the goal of your money before deciding where to invest
The importance of taking potential taxes into consideration
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

info@sixpointfp.com
SixPoint Financial
(585) 406-4645
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

If you’re looking for a financial advisor or for a new one, it’s not difficult to do! The toughest part is finding why you need to make the change.

In this episode, David Pulcini talks about how to change financial advisors from two perspectives: not having an existing advisor and changing from a current advisor to a new one. He walks through how changing financial advisors actually happens, what is involved, and what you have to do in order to make that change.

David discusses:

The process of changing an advisor
The emotional implications that can complicate the decision to change your advisor
The value a financial advisor brings to the table
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

You may have heard about the Employee Retention Credit or ERC. What you may have yet to hear is that it is much easier to qualify than it was a few years ago.

In this episode, David Pulcini invites Carlo DiPisa to the podcast to talk about ERC. Carlo breaks down what is needed to qualify for the credit, why every small business should start the process of applying, and the benefits the ERC brings to companies.

David and Carlo discuss:

The many myths surrounding the ERC and what to believe
What fees can be expected if your business chooses to apply with the help of another company
How over-advertising of this credit has made it seem like a scam and what to avoid
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Carlo DiPisa:

LinkedIn: Carlo DiPisa
ERC Applications

About our Guest:

Carlo is a finance professionals with over 20 years of expertise in the fields of small business ownership, finance, and real estate. He takes a consultative approach: learning about you and your business, so thathecan offer the best customized solution possible. By understanding your particular needs, he assists businesses of all sizes secure commercial financing that best suits their individual situation.

While banks and other institutions can provide many useful services, this generalized approach is not a perfect fit for every organization. Carlo provides a wide range of business loans/leasing and other financing opportunities that help businesses achieve their short and long-term goals.

Here are some of the financing options that Carlo provides: Short-term Business Loans, Working Capital Loans, Equipment Leasing, SBA Loans, Unsecured Business Lines of Credit, Factoring (Accounts Receivable Financing), Commercial Real Estate Financing, Hard Money Loans, and Consumer Financing.

Have you ever wondered how your occupation might impact your financial planning strategies?

In this episode, David Pulcini invites Marshal Scheidt back to the podcast to complete the two-part series of financial planning for medical sales reps. Marshal shares two real-life examples of how he helps medical salespeople through the process of financial planning using the six points.

David and Marshal discuss:

The different events that lead people to start their financial planning
Why understanding what you’re doing and why you’re doing it is an important part of the financial planning process
How having stock options can change the way you plan
The step-by-step process of dealing with clients in medical sales
And more

Resources:

Episode 60 – Financial Planning for Medical Sales Reps at SixPoint Financial Partners with Marshal Scheidt

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Marshal Scheidt:

LinkedIn: Marshal Scheidt
Med Sales – SixPoint Financial Partners

About our Guest:

Marshal Scheidt takes tremendous pride in helping his clients envision and accomplish their goals. Whether these goals pertain to their financial lives or are personal objectives, he takes a stake in helping his clients grow and improve on many levels.

He graduated in 2015 from SUNY Brockport, where he earned a Bachelor of Science degree in Finance and Business Administration with a concentration in Management.

Marshal’s business practice is focused on providing comprehensive financial planning, risk management and retirement income strategies to help individuals find success and peace of mind.

Focusing on a specific group or niche can be advantageous as it allows us to address their common issues and concerns and help them with their finances.

Curious about how and why SixPoint helps medical sales professionals?

In this episode, David Pulcini chats with Marshal Scheidt, partner at SixPoint Financial Partners, who specializes in providing financial planning to medical salespeople. Marshal shares his process when working with medical sales professionals, the unique challenges they face and emphasizes the importance of keeping a steady financial plan.

Marshal discusses:

Why he enjoys working with medical sales professionals and the common pain points they face
What he does to help newer medical sales professionals
The challenges faced by clients who have been in the business for 20-30 years
His process for working with medical sales professionals
A success story of how he earned the trust of a skeptical client who was hesitant to meet with a financial advisor
The process and meetings needed when meeting new clients
And more!

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Marshal Scheidt:

LinkedIn: Marshal Scheidt
Med Sales – SixPoint Financial Partners

About our Guest:

Marshal Scheidt takes a tremendous amount of pride in helping his clients envision and accomplish their goals. Whether these goals pertain to their financial lives or are personal objectives, he takes a stake in helping his clients grow and improve on many levels.

Graduated in 2015 from SUNY Brockport where he earned a Bachelor of Science degree in Finance, as well as Business Administration with a concentration in Management.

Marshal’s business practice is focused on providing comprehensive financial planning, risk management and retirement income strategies to help individuals find success and peace of mind.

Has your financial advisor ever shared with you how they get paid? Have you ever asked?

Whether you have or haven’t, we are here to answer that question.

In this episode, David Pulcini invites the financial advisor legend of Rochester, Tom Hamilton of Hamilton Wealth Management, to the podcast to share his wisdom about the industry. We discuss the difference between fee-based and commission-based businesses.

David and Tom discuss:

The difference between advisory and brokerage
How advisors earn commission
Why commission can cause a Conflict of Interest
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Tom Hamilton:

Hamilton Wealth Management
LinkedIn: Tom Hamilton

About our Guest:

Tom Hamilton is a bit unique in the world of financial advisors in that he’s an engineer, having earned his Bachelor’s degree in Mechanical Engineering from RIT in 1988.

After college, Tom spent years in the industry, working in various capacities as an engineer providing services to manufacturing companies in NY State and nationally. Having worked in the “real world” gives him a keen understanding of the effort, hard work and industriousness required to become successful in business and an appreciation for protecting what we earn. This background is what Tom brought with him when he switched careers, becoming a Financial Advisor in 1996.

Now, with 24 years of experience as a financial advisor and a background in engineering, Mr. Hamilton has a passion for working with his clients to find real solutions to their financial concerns. He knows that each client’s situation is unique and believes in listening to their needs and working to provide solutions. As an independent financial advisor, he is free from the sales quotas, contests and top-down sales approach that have plagued the financial services industry. Rather than employ clever sales techniques, instead, Mr. Hamilton strives to win his client’s trust through well-thought-out financial and investment plans and includes the client every step of the way.

What comes to mind when you think of annuities? Guarantees? Interest rates? Insurance companies?

Whatever comes to mind, we want to bring you some clarity.

In this episode, David Pulcini dives into annuities explaining what they are, how an advisor might try to sell you on annuities, and everything you should know about before committing to this type of investment.

David discusses:

The definition of annuities – what they are, the different types, and how they work
How financial advisors get paid when you commit to an annuity
What your advisor may not be telling you about this type of investment
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Is tax season leaving you feeling overwhelmed and unprepared?

In this episode, David Pulcini completes the three-part series on tax preparation and planning, inviting John Harms, CFP® to join the conversation. They explain the difference between tax planning and tax preparation and share crucial questions you should be asking your advisor.

David and John discuss:

The software tools they use to better help them with tax planning for clients
Why tax planning is a key element of any financial plan
What you could be missing out on by overlooking tax planning
And more

Resources:

Tax Preparation Part 1 (Ep. 55)
Tax Preparation Part 2 (Ep. 56)

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with John Harms:

LinkedIn: John P. Harms, CFP®, RICP®

About our Guest:

John’s focus is working with clients to develop and implement personalized strategies for retirement planning, investment management, retirement income and distribution planning, education funding and life insurance protection. Through a partnership with RFG Advisory, he is able to seek out and offer only the best products or services available without conflict or compromise.

As we approach the tax season, there are some questions we get asked quite often.

In this episode, David Pulcini answers the nine most frequently asked questions about taxes, including reducing your lifetime tax bill in light of the latest tax rules and regulations. (You will also learn some fun facts at the beginning of the episode!)

David discusses:

Commonly used tax credits and deductions — and why credits are preferable
The difference between marginal and effective tax rates
A massive penalty on RMDs that retirees should know about
The importance of planning for taxes related to inheritance
And more

Book Time with David Pulcini:

Schedule a Call
Connect with David Pulcini:
dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

The holiday season has come and gone, so it’s that time of year to hunker down and get ready to file your taxes.

In this episode, David Pulcini starts a three-part series on taxes by sharing with listeners how they can gear up and get organized for tax season. Be sure to keep an eye out for the coming episodes, which will cover FAQs and tax planning for 2024.

David discusses:

Basic information you should have in order that you’ll only need to organize once
Why having your paystub ready and available helps your accountant and advisor
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

Have you ever started the new year with a highly energetic “new year, new me” attitude? Have you ever jotted down multiple resolutions that lasted for only a month?

Most of us have. But 2023 could be the year you break this cycle of unsuccessful resolutions!

In this episode, David Pulcini interviews Dr. Karthik Ramanan, Wall Street broker turned emotional health mentor, about why the majority of New Year’s resolutions fail — and six steps to stick to your resolution even after you run out of willpower.

David and Dr. K discuss:

Every reason to bring out your inner child and live a life with no regrets
The belief-action-outcome cycle that helps you turn your resolutions into a habit
An effective morning routine to help you connect with yourself
Easy tips to remove friction from your path and achieve your goals
And more

Resources

5 Fundamentals to Emotional Health With Dr. Karthik Ramanan (Ep. 52)

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Dr. Karthik Ramanan:

LinkedIn: Dr. Karthik Ramanan
YouTube: Dr. Karthik Ramanan
EmotionallyHealthyCompany.com

About Dr. K:

First, he lived the imbalance of emotional unrest for which he found and tested various ways of coping. Then he studied to become a doctor for greater understanding, applying what he learned to help others. By blending compassion and understanding with his knowledge of medicine and nature, Dr. K can help you see beyond the burnout, exhaustion or frustration you experience now and open your eyes to a world of wonder you may not know even exists.

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

As the year is coming to a close, there may be some financial resolutions you have yet to think of. So what are ways you can get closer to financial independence? Find out in this episode.

This week, David Pulcini is joined by six certified financial advisors to give you an easy-to-remember financial checklist so you can thrive in the new year. The discussion topics include family preparedness kits, underrating your distributions’ tax rate, emergency funds, and more.

David discusses:

Why it’s essential to make sure all of your bank accounts have a beneficiary on them
Make sure you’re interest rates are reasonable on your bank accounts
When it’s recommended to seek professional advice
Tips on preparing for the unexpected
And more!

Resources:

Six Point FP

Book Time with David Pulcini:

Schedule a Call

Connect with our Joseph Prestigiacomo:

Joseph Prestigiacomo

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

What comes to mind when you think of health? Eating your greens? Exercise?

Now, what comes to mind when you think of mental health? Therapists? Illnesses?

In this episode, David Pulcini interviews Dr. Karthik Ramanan, Wall Street broker turned emotional health mentor, to share more about reinventing yourself after retirement. Dr. K also shares the five things everyone should practice in order to maintain your emotional health and well-being.

David and Dr. K discuss:

Dr. Ramanan’s journey from success on Wall Street to taking on medical school in Arizona in his 30s
How he reinvented himself to become the person he has always wanted to be
The importance of taking care of yourself and your needs to avoid burnout and procrastination
And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Dr. Karthik Ramanan:

LinkedIn: Dr. Karthik Ramanan
YouTube: Dr. Karthik Ramanan
EmotionallyHealthyCompany.com

About Dr. K:

First, he lived the imbalance of emotional unrest for which he found and tested various coping methods. Then he studied to become a doctor for greater understanding, applying what he learned to help others. By blending compassion and understanding with his knowledge of medicine and nature, Dr. K can help you see beyond the burnout, exhaustion or frustration you experience now and open your eyes to a world of wonder you may not know even exists.

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

Summary:

Whether you plan to retire in 2023 or shortly after that, make sure your retirement plan provides for all your needs.

In this episode, David Pulcini discusses 6 points people approaching retirement should consider in 2023 with Joe Prestigiacomo, CFP®. David and Joe explain how retirees can determine how much money they will need and where they can source their income. Joe talks about how inflation, social security, and retirement contribution limit changes will affect how much money retirees will need. They conclude the episode with a discussion about the emotional side of retirement and a brief recap of the 6 points to consider before retiring in 2023.

Joe discusses:

How much money you need to retire and where it will come from
Why inflation is the word of 2022
The increases in inflation, social security, and retirement contribution limits
Why healthcare is the most Googled term for people heading into retirement
The emotional side of retirement
And more

Resources:

ssa.gov

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

dpulcini@sixpointfp.com
SixPoint Financial
(585) 641-7900
LinkedIn: David Pulcini
LinkedIn: SixPoint Financial
Twitter: SixPoint Financial
Facebook: SixPoint Financial

Connect with Joe Prestigiacomo:

jprestigiacomo@sixpointfp.com
(585) 498-1191
LinkedIn: Joe Prestigiacomo

About our Guest:

Joe Prestigiacomo, CFP® is a partner at SixPoint Financial. Joe began his career in the financial services industry in 2012. Today, he provides comprehensive financial guidance to his clients. Joe focuses on developing retirement income strategies and personalized risk management assessments and solutions. Along with his knowledge and experience, Joe prides himself on developing a deep understanding of his clients’ individual situations, and his ability to help them make well-informed financial decisions with confidence.

Disclosures:

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

The Dear Rochester, Retire Well podcast has officially released its 50th episode! 🥳 To celebrate this milestone, David Pulcini gives listeners a glimpse into his personal life in under 40 seconds and runs through five of the most common reasons people seek out the expertise of a financial advisor. David discusses: Making the most out … Continue reading 5 Reasons People Seek Help From Financial Advisors (Ep. 50) →

Alex Neri, CFP®, RICP® is back on the podcast to tackle some of clients’ most frequently asked questions. In this episode, David and Alex provide insight and answers to questions they get the most from clients. They use examples that may apply to you and your finances, now or in the coming years. David and … Continue reading Answering FAQs with Alex Neri, CFP®, RICP® (Ep. 49) →

With the rise of the internet and social media, financial advice has never been easier to find but there is such a thing as too much advice. It’s hard to know what’s best for your money and you don’t want to make a mistake that could cost you dearly in the future. In this episode, … Continue reading Financial Planning in a Digital Era (Ep. 48) →

Financial planning is SixPoint Financial Partners’ specialty – we have experience in investment planning, but we’re not experts in it. So we brought one on the podcast. In this episode, David Pulcini has Rick Wedell, Chief Investment Officer at RFG, to talk about one of the six points – investment planning – and who better … Continue reading Investment Planning 101 with Rick Wedell (Ep. 47) →

Teamwork is great, but you want to keep your circle as small as possible when it comes to your financial planning. You may think that having two advisors will make you more competitive, but it just makes things harder for yourself! In this episode, David Pulcini and Marshal Scheidt share six of the many reasons … Continue reading 6 Reasons Why You Should Only Have 1 Advisor (Ep. 46) →

What happens when you’re ready to retire but not quite there financially? In this episode, David Pulcini hosts Alex Neri, CFP®, RICP®, as they cover two of the most common scenarios they see when clients prepare for retirement. Alex talks about the different approaches to take before running out of money in your retirement years. … Continue reading The 2 Sides of the Retirement Spectrum with Alex Neri, CFP®, RICP® (Ep. 45) →

Between the ages of 55 and 72, you’ll face five major financial milestones. Are you prepared to take them on? In this episode, David Pulcini hosts Alex Neri, CFP®, RICP®, to discuss the major financial milestone timeline he has developed and refined over the years. We also discuss one of people’s biggest mistakes within this … Continue reading 5 Major Financial Milestones After 55 with Alex Neri, CFP®, RICP® (Ep. 44) →

Finding a financial advisor can be intimidating, and often there is confusion about what you should really expect in the first meeting with a prospective new advisor. In this episode, David Pulcini answers your questions about the process of finding an advisor, and meeting one, and how to tell if that particular advisor and their … Continue reading The First Steps To Working with a Financial Advisor (Ep. 43) →

There’s a saying, “You don’t know you need it until it’s too late.” That could not be more true than when it comes to handling personal injury claims and coverage. Don’t leave yourself unprotected when the unexpected happens. In this episode, David Pulcini sits down with Christina A. Goldberg, ESQ, Shareholder and Attorney at Luhrsen … Continue reading Keeping You Covered – Handling Personal Injury Claims and Coverage with Christina A. Goldberg (Ep.42) →

Trying to navigate the financial world can be extremely challenging. Because of this, a lot of people turn to financial advisors for help with reaching their financial goals. But what should you expect while working with an advisor? In this episode, David Pulcini sits down with Matt Halloran, CRO and co-founder of ProudMouth, to talk … Continue reading Revealing the Unexpected and Unexplained While Working With a Financial Advisor with Matt Halloran, Podcasting Expert, CRO, & Co-Founder of ProudMouth (Ep.41) →

As we get older, we want to be sure our and our family’s money is in the right hands. But it is not always as simple as it sounds, and some minor mistakes can lead to horrendous consequences for the whole family. In this episode, David Pulcini sits down with associate attorney Neil Lyons, ESQ, … Continue reading The Real Power Behind a Power of Attorney with Neil Lyons, ESQ (Ep. 40) →

Applying for a new job can be both exciting and overwhelming as you try to decipher different salaries, benefits, and other components of the new job– It can be easy to be attracted to the pay rate and not read into what is not included in the new position. In this episode, David Pulcini sits … Continue reading 6 Tips When Changing Careers with Nate Hasto Investment Advisor Representative for Six Point Financial Partners (Ep.39) →

It’s not hard to be overwhelmed by economic news about the real estate market, interest rates, inflation and even cryptocurrency. But which protection strategies actually work? What should you be doing to ensure you are truly mitigating your risk within your portfolio? In this episode, David Pulcini sits down with Alex Oxenham, CFA, partner and … Continue reading Risk Mitigation While Investing For a Client’s Portfolio with Alexander Oxenham, CFA (Ep. 38) →

Purchasing a home is likely the largest purchase of your life—and in today’s market, that purchase will cost you a pretty penny. But that price tag doesn’t mean that with the right guidance and advice, you can’t own the home of your dreams. In this episode, David Pulcini sits down with mortgage and lending expert … Continue reading What To Do In The Housing Market Boom with Glen Didas (Ep. 37) →

As the saying goes, the years go by fast. One minute you’re a young up and comer in your career. Then suddenly, the next minute you’re facing the question of “when is the right time to retire?” Do you have the best plan in place to live your dream retirement? In this episode, David Pulcini … Continue reading Checking Your Retirement Planning List (Ep. 36) →

When it comes to financial planning, making mistakes can end up being disastrous to your accounts, and can result in the loss of your own financial security for your retirement. In this episode, Joe Prestigiacomo, CFP®, John Harms, CFP® and Alex Neri, CFP® each give two examples they commonly see when it comes to financial … Continue reading 6 Common Mistakes Made in Financial Planning with Joe Prestigiacomo, CFP®, John Harms, CFP® and Alex Neri, CFP® (Ep.35) →

Many people would consider being suddenly given millions of dollars a positive thing. But the truth is, oftentimes, this can bring many negative experiences for the recipient. In this episode, David Pulcini is interviewed by his co-worker, Marshal Scheidt. As a partner at Six Point Financial Partners, Marshal joins David to discuss the reality behind … Continue reading The Truth About Sudden Wealth Planning with Marshal Scheidt (Ep.34) →

Very few people completely understand each of the assets that they hold, their value, and how they fit into their overall financial plan. How can you and your advisor ensure that you are financially organized? In this episode, David Pulcini speaks with Adam Holt, founder and CEO of Asset-Map about how his software helps advisors … Continue reading Getting Financially Organized — Part Six of Six Points of Financial Planning with Adam Holt (Ep. 33) →

Planning for the future can feel overwhelming, and knowing how to properly manage your estate in your later years can seem intimidating. But it doesn’t have to be a difficult process! In this episode, David Pulcini talks to attorney Neil Lyons, ESQ, from Luhrsen Goldberg to remove the confusion and stress from estate planning. David … Continue reading Estate Planning – Part Five of Six Points of Financial Planning with Neil Lyons, ESQ (Ep. 32) →

Did you know by improperly filing your taxes and not planning for potential tax return opportunities, you could be losing thousands of dollars you didn’t know you could save? In this episode, David Pulcini explains the importance of tax planning, it’s benefits, and how to be sure you are making the right choices to benefit … Continue reading 31. Tax Planning – Part Four of Six Points of Financial Planning →

As you enter retirement, you want to be sure your wealth doesn’t outlive you. It’s important to ensure you have enough money to continue to live comfortably and that you have finances for any extra hurdles that might come along the way. In this episode, David Pulcini talks to colleague John P. Harms, CFP®, RICP®, … Continue reading 30. Retirement Income Planning – Part Three of Six Points of Financial Planning with John Harms CFP, RICP® →

You never know what is going to happen tomorrow. That is why it is so important to plan ahead for whatever life might throw your way. One of the best ways to do that is by having a well-thought-out risk management plan, and insurance coverage to protect your money through life’s toughest obstacles. In this … Continue reading 29. Risk Management – Part Two of Six Points of Financial Planning with Eric Eveland →

Yield enhancing covered calling, risk adjusted returns, equity portfolios—most advisors understand these topics, but the average investor may not know what these are and how they could be a strong addition to their portfolio. In this episode, David Pulcini sits down with Kevin Simpson, founder & chief investment officer of Capital Wealth Planning, to talk … Continue reading 28. Investment Planning – Part One of Six Points of Financial Planning with Kevin Simpson →

The Intelligent Investor Rev Ed.: The Definitive Book on Value Investing

Navigating through pension options, IRAs, 403(b)s, and insurance plans can be overwhelming, and for many, the hardest part of retiring– especially for those working in the public school system. In this episode, David Pulcini speaks with Marshal Scheidt, partner at Six Point Financial Partners, to talk about retirement for public school employees, with lessons and … Continue reading 27. Understanding Your Retirement From a Public School View with Marshal Scheidt →

The past year has seen many ups and downs and the housing market is no exception. Navigating this quickly changing market can be challenging if you don’t know what to expect. In this episode, David Pulcini sits down with Angelo Prestigiacomo, owner of Blue Arrow Real Estate, who has helped a tremendous number of people … Continue reading 26. What’s Going on in the Real Estate Market with Angelo Prestigiacomo →

Jim Harshaw Jr., has impacted thousands of lives around the world with his advice to help people focus on and dominate the four main areas of their lives. He has helped people achieve the success they thought was impossible, and encourages his clients to increase their resilience, maximize their potential and always continue to fight … Continue reading 25. Unlocking Your Potential and Pursuing Your Maximum Success With Jim Harshaw, Jr. →

The 7 Habits of Highly Effective People

Financial planning in your 70s may look different from the planning process earlier in life. Clients may have different goals and priorities, and it’s important to make sure that those are being addressed. But does your financial plan match up with these new priorities? In this episode, David Pulcini sits down with Joe Prestigiacomo, CFP®, … Continue reading 24. 6 Things We Tell People in Their 70’s with Joe Prestigiacomo →

Financial planning in your 60s is often considered by advisors to be the most important stage of your planning for your retirement. But many are confused by contradicting pieces of advice from various different sources. In this episode, David Pulcini speaks with Alex Neri, CFP®, RICP®, partner at SixPoint Financial Partners, about six pieces of … Continue reading 23. 6 Things We Tell People in Their 60’s with Alex Neri →

Are you in your fifties? How do you feel about your financial situation right now? While you’re in your fifties, your life is starting to have some new milestones, and big financial and life changes are on the horizon. Are you looking at retirement soon? Are you going to sell your house after the kids … Continue reading 22. 6 Things We Tell People in Their 50’s with Anthony Ruffalo →

Planning for retirement in your forties can be incredibly stressful and overwhelming, which is why many people put off planning for their retirement until they no longer can. This can have financially damaging effects on the future. In this episode, David Pulcini covers six major points of financial planning that anyone in their forties needs … Continue reading 21. 6 Things We Tell People in their 40’s →

When you are in your 20s and 30s, a lot of figuring out your finances is trying to figure out where you stand—and what you need to do to achieve your goals. In this episode, David Pulcini and Jesse Cramer share six pieces of advice tailored for people in their 20’s and 30’s to help … Continue reading 20. 6 Things We Tell People In Their 20’s and 30’s with Jesse Cramer →

Medicare can be there to help you pay for unexpected medical costs in the future, but oftentimes the process can be confusing, and it can be easily mixed up with other healthcare plans. In this episode, David Pulcini speaks with Medicare specialist Catherine Glenning to tell you everything you need to know about Medicare planning. … Continue reading 19. Everything You Need to Know About Medicare with Catherine Glenning →

Do you know the four factors you should be aware of when applying for Medicaid? They are your age, health considerations, personal finances and your own personal motivation behind applying in the first place. In part three of this mini-series, David Pulcini and Ken Kraus look into a lot of the most common questions they … Continue reading 18. Medicaid Planning 301, Part 3 of Medicaid with Ken Kraus →

As we get older, the realities of what it takes to plan for long-term care sets in. But as people start to realize how complicated the process can be, they wait too long and run out of time. This leads to difficulties trying to secure the funding they need for their loved ones or themselves. … Continue reading 17. The Importance of Proper Medicaid Planning With Ken Kraus — Part 2 →

Now more than ever, people are concerned about their financial health and wellness, and whether they will be protected if an unexpected crisis should occur. But for many, understanding the Medicaid eligibility rules can be even more complicated. In part one of this mini-series, David Pulcini speaks with attorney Ken Kraus about the importance of … Continue reading Episode 16: The Importance of Proper Medicaid Planning With Ken Kraus — Part 1 →

What is a 403(b) plan and how does it work? Find out with David Pulcini and guest Matt Drummond, national sales director at PCS Retirement, LLC, as they answer your questions and concerns about 403(b) plans and share the most common mistakes their clients make when planning for retirement! In this episode, you’ll learn: The … Continue reading Episode 15: The Ultimate Guide to 403(b) Plans — With Matt Drummond →

Why is estate planning such an important part of your overall financial plan? In this episode, David Pulcini speaks with Jerry Antetomaso, partner and attorney at Evans Fox LLP, about the value of estate planning. Jerry shares what estate planning really entails, and describes a couple horror stories you won’t be able to forget. You’ll … Continue reading Episode 14: The Importance of Estate Planning — With Attorney Jerry Antetomaso →

Your financial mistakes may be costing you a fortune when you’re not even aware of it. In this episode, David Pulcini reveals real-life stories, situations, and insight he’s gathered by working with clients that have lost millions of dollars making the same eight mistakes you are currently making today. In this episode, you’ll learn: The … Continue reading Episode 13: Avoid These Mistakes That Could Cost You Millions of Dollars →

When most people think of financial advisors, they think of investing, and that’s correct; an advisor’s job is to assist with the investing of their clients’ accounts and to ensure that those investments are in line with the clients’ objectives. But many times, financial advisors turn to professional asset managers to help with their investing … Continue reading Episode 12: Keys To Successful Investing With a Portfolio Manager — With Guest Peter Andersen →

While pensions may not be as prevalent as they once were, if you have one, you probably want to make the most of what you’re getting from it. After all, your pension will be one of the biggest decisions you’ll ever have to make, and you want to make sure you get it right. That’s … Continue reading Episode 11: How to Make the Most of Your Pension →

Employer insurance and benefits are a critical part of any business. Whether you’re an employee or a business owner, it’s important to review company offerings regularly so that you can make the most of your insurance and benefits. In this episode, David Pulcini talks with Mike Mancuso, an associate partner with the fastest-growing independent agency … Continue reading Episode 10: Optimizing Employer Insurance Costs & Employee Benefits — With Mike Mancuso →

Life is filled with ups and downs — many of which can impact your finances. However, you don’t have to go through the challenges and trials of life alone. There are plenty of professionals, like financial advisors and family law attorneys, who are available to help you no matter what life throws your way. In … Continue reading Episode 9: Filing for Divorce? Here’s What You Need To Know — With Alison Bates →

Do you believe that you don’t need a financial advisor? That just might be true. After all, you’re smart. You’re savvy. You know about the latest happenings in the market. So, why bother paying someone to manage things for you? In today’s episode, David Pulcini puts your financial knowledge to the test with 17 questions … Continue reading Episode 8: Think You Don’t Need a Financial Advisor? Here’s Why You Better Think Again →

Are you having trouble understanding your Social Security and how you can plan for the benefits you’ll receive? If so, don’t worry, David Pulcini has you covered! In part two of his Social Security mini-series, David walks you through everything you need to know to understand your Social Security and its benefits. Plus, listen in … Continue reading Episode 7: A Deep Dive Into Social Security: Part Two →

Understanding your Social Security benefits can be tricky, especially when you don’t know the right questions to ask or what information you should be providing your financial advisor. In today’s episode, David Pulcini aims to help you build your Social Security knowledge by answering frequently asked Social Security questions and by breaking down how the … Continue reading Episode 6: A Deep Dive Into Social Security: Part 1 →

After working alongside countless healthcare workers as they prepare for their retirements, David Pulcini has found four common mistakes these types of professionals tend to make with their retirement planning. To help you avoid making the same mistakes, David is breaking down these key mistakes in today’s episode, detailing ways you can avoid them for … Continue reading Episode 5 – 4 Retirement Planning Mistakes Healthcare Workers Should Avoid →

You should never be reluctant or afraid to ask questions when working with your financial professional! In fact, there are certain questions you SHOULD be asking your advisor. In this episode, David Pulcini takes you through questions you should be asking your financial professional so that you can feel confident in your client-advisor relationship as … Continue reading Episode 4 — 10 Questions You Should Be Asking Your Financial Professional →

SixPoints Financial Partners wants you to know exactly where you stand and how they can help before you pay them a single dollar. That’s why they created their ‘Think About It’ process. In today’s episode, David Pulcini introduces the ‘Think About It’ process and the six steps it includes to provide you with the framework … Continue reading Episode 3 — The ‘Think About It’ Process for Building a Brighter Financial Future Together →

SixPoint Financial Partners is built upon six planning pillars that will point you towards a brighter financial future. In this episode, join David Pulcini as he breaks down these key pillars by detailing the story behind SixPoint Financial and how it cultivated its focus on delivering top-notch financial services to clients. In this episode, you … Continue reading Episode 2 — The Six Points of Your Financial Plan →

Welcome to Dear Rochester, Retire Well with David Pulcini of Six Point Financial Partners! With this podcast, get ready to take the first step towards a brighter financial tomorrow with David as your guide. In each episode, David will help you explore ways you can build your wealth while minimizing risk with a multifaceted, comprehensive … Continue reading Episode 1 — Welcome to the Dear Rochester, Retire Well Podcast! →