Episodes

  • Are You Ready To Retire?

    Are You Ready To Retire?
    Oct 9 2025
    You saved, invested, and stayed calm — so why does your retirement plan still flash red at age 85?
    In this episode of Retire Without Regret, David Pulcini, CFP® explains why even households with $2M+ can face late-life shortfalls — and how to fix them. We cover realistic inflation, tax-smart withdrawals, Social Security timing, portfolio design that beats inflation (not just volatility), and healthcare assumptions that won’t blindside you.

    You’ll learn:
    • The Kevin & Sarah case: $2.2M saved, still a projected gap
    • 5 hidden risks that quietly sink plans (inflation, taxes, timing & more)
    • How to map year-by-year income and stress-test before claiming Social Security
    • Why “too conservative” can be just as risky in retirement
    • Action steps to retire without regret

    Book a call: 👉 https://calendly.com/dpulcini

    Questions? Call 585-485-0947 or email dpulcini@sixpointfp.com

    Subscribe for more on the Great Wealth Transfer & Retire Without Regret.

    #RetireWithoutRegret, #GreatWealthTransfer, #RetirementPlanning, #TaxSmartRetirement, #RothConversion, #InflationProtection, #SixPointFinancialPartners, #DavidPulciniCFP
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    14 mins
  • Retire Without Regret - Do You Really Have a Retirement Plan?

    Retire Without Regret - Do You Really Have a Retirement Plan?
    Oct 2 2025
    In this bonus episode of Retire Without Regret, financial advisor Dave Pulcini shares 3 actionable steps for people who feel ‘behind’ on retirement savings. You don’t need $2 million to retire well—you need a clear plan.

    You’ll learn how to maximize catch-up contributions, diversify your account types, and build a personalized retirement timeline. Plus, Dave explains the mindset shift that helps you focus on what you do have, so you can retire with confidence.

    📞 Call SixPoint Financial Partners at 585-485-0947
    📧 Email Dave: dpulcini@sixpointfp.com
    📅 Schedule a consultation: https://calendly.com/dpulcini
    🔔 Subscribe now so you don’t miss the next episodes in the Retire Without Regret series.

    ▶ Watch the full Retire Without Regret playlist: https://youtu.be/hvH1yseIrCE
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    6 mins
  • Retire Without Regret - Can I Retire Yet?

    Retire Without Regret - Can I Retire Yet?
    Sep 4 2025
    Welcome to Retire Without Regret — a new series from The Great Wealth Transfer.Too many people enter retirement with unanswered questions, hidden tax traps, and the constant fear of running out of money. This series is here to change that.In this very first episode, David Pulcini, CFP®, introduces the Retire Without Regret framework — a simple, powerful process to help you:
    • Understand how much you really need to retire
    • Avoid the most common retirement mistakes
    • Create a tax-smart income plan you can count on
    • Build confidence knowing your wealth will last
    Retirement isn’t about chasing a number — it’s about building a plan that fits your life.This is your invitation to take control of your retirement future.

    Call SixPoint Financial Partners at 585-485-0947
    Email Dave: dpulcini@sixpointfp.com

    Schedule a consultation: Calendly - Dave Pulcini Subscribe now so you don’t miss the next episodes in the Retire Without Regret series.
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    11 mins
  • Retirement Income - How Much Do You REALLY Need?

    Retirement Income - How Much Do You REALLY Need?
    Jul 3 2025
    YouTube Description (SEO-Rich): What if your retirement plan isn't just about you? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down what most retirement plans get wrong—and how to build a retirement income strategy that serves both you and the people you love. You'll learn:
    • How much you really need to retire
    • What a financial advisor actually does for income planning
    • When to take Social Security or pensions
    • The truth behind RMDs and tax bracket creep
    • The Die With Zero mindset: spend with intention, not fear
    • How to help your aging parents without sacrificing your own retirement
    • Whether you should pay off debt before retiring
    Real-life examples. Proven strategies. No sales pitch—just a plan. Listen, subscribe, and share with someone who’s worried about retirement. Ready to build your plan?

    Contact us at SixPoint Financial Partners:
    dpulcini@sixpointfp.com
    585-485-0947

    https://sixpointfp.com

    Don't forget to subscribe for more content on estate planning, tax strategies, and retirement income!

    #RetirementPlanning #FinancialFreedom #WealthTransfer #RothConversions #GreatWealthTransfer #TaxStrategy
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    25 mins
  • Why Your Investment Plan Needs To Outlive You

    Why Your Investment Plan Needs To Outlive You
    Jun 26 2025
    $84 trillion is changing hands in the next 20 years — will your family be ready?

    Welcome to The Great Wealth Transfer — where we break down how to protect, grow, and pass on wealth across generations. In this first episode of our six-part series, David Pulcini, CFP®, unpacks investment strategies that outlive you, reduce taxes for your heirs, and create real clarity for the people you love.

    In this episode:
    • Why your investment plan is incomplete if it ends with you
    • How one client’s $2.5M portfolio played out for his kids
    • The 3 strategies to protect wealth after you're gone
    • Why a video message could be the most important investment you leave behind
    Book a call with SixPoint Financial Partners: https://calendly.com/dpulcini

    Contact: dpulcini@sixpointfp.com
    Learn more: https://sixpointfp.com

    Subscribe for more episodes on taxes, retirement income, estate planning, and how to build a true financial legacy.
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    14 mins
  • The Legacy Process™: Our Proven System to Leave a Legacy That Lasts

    The Legacy Process™: Our Proven System to Leave a Legacy That Lasts
    Jun 12 2025
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down the LEGACY Framework — a 6-step estate planning system designed to help you protect your wealth, minimize taxes, avoid probate, and give with purpose.

    What You'll Learn:
    • How to list and organize your financial assets
    • Why goals (not just documents) are the heart of a true estate plan
    • What documents you actually need (and where to store them)
    • The tax traps of IRAs and how to plan around them
    • Why a trust offers more than a will alone
    • How one yearly meeting can save your family from chaos
    Avoid the biggest estate planning mistake: doing nothing.

    Schedule a consultation: Select a Date & Time - Calendly

    Website: https://www.sixpointfp.com
    Call: 585-485-0947
    Email: dpulcini@sixpointfp.com
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    26 mins
  • Sudden Wealth: 4 Big Mistakes to Avoid When Inheriting Money or Selling a Business

    Sudden Wealth: 4 Big Mistakes to Avoid When Inheriting Money or Selling a Business
    Jun 5 2025
    Sudden Wealth is one of the biggest financial transitions you’ll ever face—so don’t go it alone. Whether from an inheritance, business sale, lottery win, or settlement, a financial windfall can change your life—and not always in the way you expect.

    In this episode of The Great Wealth Transfer, financial advisor David Pulcini, CFP®, shares:

    • The 4 most common mistakes people make after receiving sudden wealth
    • How to avoid taxes, scammers, and poor decisions
    • The 5-step framework to turn a windfall into lifelong financial security
    • Emotional traps like guilt, identity changes, and family pressure
    • Real-life stories and strategies you can use today
    Learn how to handle a windfall with purpose and build a lasting legacy.

    Need personalized guidance? Let’s talk.
    → Book a 20-minute intro call:
    Select a Date & Time - Calendly

    Email: dpulcini@sixpointfp.com
    Call: 585-485-0947

    Subscribe to The Great Wealth Transfer for real-life strategies on inheritance, taxes, and legacy planning.
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    17 mins
  • Wills & Trusts - The Differences Explained

    Wills & Trusts - The Differences Explained
    May 22 2025
    In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, simplifies one of the most misunderstood estate planning topics: Wills vs. Trusts. Whether you're just getting started or need to revisit your estate plan, this episode breaks down:
    • What a will and a trust actually are (in plain English)
    • The 5 key differences: probate, privacy, timing, cost, control
    • Real-life examples and what happens if you get it wrong
    • The "cast of characters" in wills and trusts
    • 10 types of trusts – from revocable to special needs to GRATs
    • A simple analogy that makes it all click (hint: sticky note vs. locked chest)
    BONUS: A crash course in trust structures and how to know which one might be right for your family.

    If you’ve never reviewed your estate plan—or if it’s been over five years—this is your sign to act.

    Need help? Call SixPoint Financial Partners at 585-485-0947 or email dpulcini@sixpointfp.com.

    Subscribe now for more insights into estate planning, tax strategies, and legacy preservation.
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    16 mins