Episodes

  • 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
  • FAQ's: Who Pays the Taxes? Estate & Gifting Questions You Need Answered

    FAQ's: Who Pays the Taxes? Estate & Gifting Questions You Need Answered
    May 15 2025
    In this FAQ-style episode of The Great Wealth Transfer, host David Pulcini, CFP®, tackles the most common questions he's getting at the gym, soccer games, and lunch tables—from gifting rules to estate tax traps. You’ll learn:
    • Who pays the taxes when you gift $50,000 to your kids?
    • What happens if the estate tax exemption gets cut?
    • Should you put your house into a trust?
    • Will your kids owe taxes when they inherit your IRA?
    • What happens if you die without a will?
    • Why your beneficiaries on accounts matter more than your will.
    David also shares real-life stories and examples, including how one family avoided 14 months of probate by properly using a trust—and another lost everything to a distant cousin.

    Whether you're planning for retirement, building generational wealth, or just want your estate to be simple and smooth—this is an episode you don’t want to miss.
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    16 mins
  • Succession Planning for Business Owners: Avoid These Costly Mistakes

    Succession Planning for Business Owners: Avoid These Costly Mistakes
    May 8 2025
    In this Business Owner edition of The Great Wealth Transfer, Dave Pulcini, CFP®, dives deep into the critical (yet often avoided) topic of succession planning. From family feuds to failed exits, Dave shares real-life cautionary tales of business owners who didn’t have a plan—and the expensive fallout that followed.
    You’ll learn:
    • How to create a bulletproof succession strategy
    • Why “fair” isn’t always equal in family business transitions
    • The must-have legal documents and buy-sell agreements
    • The role of financial advisors, attorneys, and third-party experts
    • How to increase your business valuation before selling
    • When and how to communicate your plan with family and key employees
    This episode is packed with practical steps for any business owner ready to protect their legacy and avoid tomorrow’s family feud.
    Want help creating your plan? Reach out to SixPoint Financial Partners at 585-485-0947 or email dpulcini@sixpointfp.com.
    Subscribe for more estate and legacy planning insights: SixPoint Financial Partners YouTube Channel

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    17 mins
  • “Market Mayhem, Policy Whiplash, and the Power of Process – Q1 Market Update with John Harms

    “Market Mayhem, Policy Whiplash, and the Power of Process – Q1 Market Update with John Harms
    Apr 28 2025
    In this high-energy quarterly market update, Dave Pulcini sits down with John Harms for an unfiltered look at what’s really been driving market volatility — from policy-driven swings and tariff talk to consumer sentiment and surprise earnings reactions.
    John breaks down:
    • What GDP and Fed projections mean for your investments
    • Why layoffs haven’t hit yet — and when they might
    • How to view volatility as opportunity (not panic)
    • Why active management may outperform passive in uncertain times
    • The Netflix-to-bonds connection: yes, it’s real
    • His secret to long-term portfolio success: "process beats prediction"
    If you’re wondering whether to dangle your dollars in the market or sit on the sidelines — this is your episode.
    Real talk. Real strategy. No panic.
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    1 hr and 1 min