Episodios

  • 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 m
  • “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 h y 1 m
  • Estate Planning for Blended Families: Avoiding a Fractured Legacy

    Estate Planning for Blended Families: Avoiding a Fractured Legacy
    Apr 22 2025
    In this emotionally charged episode of The Great Wealth Transfer, David Pulcini, CFP®, dives deep into the estate planning challenges unique to blended families. With over 40% of married couples now part of a blended family, outdated wills and vague trusts are a recipe for emotional and financial disaster.

    You’ll learn:
    + How to structure your will and trust for second marriages
    + What the “Carl Clause” is—and why it matters
    + How to avoid the mistakes of Robin Williams, Aretha Franklin, and Gene Hackman
    + The role of remarriage clauses, QTIP trusts, and Roth conversions
    + And why unexpressed expectations are premeditated resentments

    This episode is part masterclass, part cautionary tale—and it might just save your family from a fractured legacy.

    #greatwealthtransfer #estateplanning #inheritance #blendedfamilies
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    20 m
  • How to Protect Your Legacy from In-Laws and Exes

    How to Protect Your Legacy from In-Laws and Exes
    Apr 7 2025
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, shares real-life stories of how inheritances are unintentionally lost to ex-spouses, in-laws, and legal loopholes—and what you can do to prevent it.

    You’ll learn:
    • Why an inheritance can become marital property (and walk out the door in a divorce)
    • What happens when you forget to update your beneficiary forms
    • How to structure gifts for children without risking half to an ex-in-law
    • The tools you can use—like inheritance trusts, prenups/postnups, and conditional gifts—to keep your legacy protected
    • How to start the tough but necessary family conversations about money and planning
    This isn’t about control—it’s about clarity, intention, and love. If you care about what happens to your wealth after you're gone, this is the episode to watch.

    If this resonates with you, share it with someone who needs to hear it. Ready to protect your legacy?

    Contact SixPoint Financial Partners:
    dpulcini@sixpointfp.com
    (585) 485-0947
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    15 m
  • The Psychology of Money: How Behavior Shapes Generational Wealth

    The Psychology of Money: How Behavior Shapes Generational Wealth
    Apr 1 2025
    🎙 The Psychology of Money | Ashley Quamme on Inheritance, Behavior & the Great Wealth Transfer
    $84 trillion is set to change hands over the next 20 years—and most of us aren't ready.
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, sits down with Ashley Quamme, a licensed therapist and financial behavior specialist, to unpack the emotional side of money. From family dynamics and inheritance guilt to entitlement, fear, and financial anxiety, Ashley shares powerful insights on how human behavior shapes legacy planning.
    💬 Topics We Cover:
    • Why money decisions are emotional—not logical

    • What to do if you're anxious about the markets

    • How to talk to your kids about your wealth (and why you should)

    • Avoiding entitlement, guilt, and mistakes with inherited money

    • Real-life stories about siblings, estate planning, and fairness

    • Why transparency beats secrecy when it comes to legacy


    Whether you're planning to pass wealth down or inherit it, this episode will challenge how you think about money—and help you navigate one of the biggest financial transitions in history.

    🔗 Connect with Ashley: Planning and Beyond Podcast https://www.linkedin.com/in/ashleyquamme/

    📞 Ready to start your legacy plan?
    Visit sixpointfp.com or call (585) 485-0947

    Email me: dpulcini@sixpointfp.com

    Schedule a meeting HERE: https://calendly.com/dpulcini/introductory-conversation
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    39 m
  • Should You Gift Wealth While You’re Alive?

    Should You Gift Wealth While You’re Alive?
    Mar 26 2025
    🎙 Should You Give Wealth Now or Later? | The Great Wealth Transfer Ep. 107
    $84 trillion is set to change hands over the next 20 years. But here's the question every wealthy family faces: Should you give money to your heirs while you're alive—or wait until you're gone?

    In this episode, David Pulcini, CFP®, explores the emotional and financial impact of lifetime gifting vs. inheritance. From tax strategy and control to family dynamics, entitlement, and legacy building—this conversation goes far beyond dollars and cents.

    ✅ You'll Learn:
    • The pros and cons of gifting wealth while alive

    • How early gifting can strengthen (or strain) relationships

    • Why timing matters more than the amount

    • Real-life stories of thoughtful wealth transfers

    • How to avoid guilt, resentment, and entitlement


    Whether you’re planning to leave a legacy or receive one, this episode is packed with practical insight and emotional intelligence.

    📌 Want help planning your own Great Wealth Transfer? Connect with Six Point Financial Partners at (585) 485-0947 or email: dpulcini@sixpointfp.com 🔔 Subscribe for more conversations on money, legacy, and smart planning.
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    23 m
  • What if you don't want your inheritance?

    What if you don't want your inheritance?
    Mar 11 2025
    What If You Don't Want Your Inheritance?

    $84 Trillion is set to change hands over the next 20 years. Whether you're passing it down or inheriting it, the decisions you make today will shape your family's financial future for generations. But what happens if you—or your beneficiaries—don’t want the inheritance?

    In this episode of The Great Wealth Transfer Podcast, Dave Pulcini, CFP® dives into the surprising reasons why some people refuse inheritances. From emotional burdens and financial liabilities to tax implications and philosophical beliefs, we unpack the complexities behind inheriting wealth.

    What You’ll Learn:
    • Why some beneficiaries feel overwhelmed by inheritance
    • The psychological impact of inherited wealth
    • How to avoid family conflicts over money
    • Smart strategies to redirect wealth or plan ahead
    • Practical solutions for handling property, taxes, and estate issues


    Next Episode: Should you give your wealth to your heirs now or wait?

    If you or your family are facing tough decisions about an inheritance, reach out to SixPoint Financial Partners at 585-485-6048 or email dpulcini@sixpointfp.com.

    Subscribe for More! Don’t miss out on expert financial insights—hit LIKE, SHARE, & SUBSCRIBE for more episodes on smart wealth planning!

    Follow Us:
    Email: dpulcini@sixpointfp.com
    Call: (585) 485-0947 Available on all major podcast platforms!
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    22 m
  • The Rule of 72: How to Grow & Protect Your Wealth for Generations

    The Rule of 72: How to Grow & Protect Your Wealth for Generations
    Mar 4 2025
    The Rule of 72: How to Grow & Protect Your Wealth for Generations

    $84 trillion is set to change hands over the next 20 years. The question is—will your wealth grow into a lasting legacy, or disappear within a generation?

    In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, walks you through three critical investment strategies to ensure your wealth outlives you.

    Using the example of Dave and Sue, a couple with $2.5 million in savings, we explore how smart investing and strategic planning can turn their nest egg into $10 million, $20 million, or even $40 million for their heirs.

    • The Rule of 72 – How compounding can exponentially grow your wealth
    • Investing for Growth Without Unnecessary Risk – Balancing returns and market stability
    • Liquidity vs. Long-Term Growth – Why your estate needs a mix of assets
    • Aligning Investments with Beneficiaries' Needs – Making sure your heirs are set up for success
    If you or someone you know is planning their financial legacy, now is the time to take action.

    Email: Dpulcini@sixpointfp.com
    Call the office: 585-485-0947

    Don’t forget to like, subscribe, and turn on notifications so you never miss an episode!
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    15 m
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