Episodios

  • Most Retirees Get This Wrong — The Smart Withdrawal Order That Protects Your Wealth

    Most Retirees Get This Wrong — The Smart Withdrawal Order That Protects Your Wealth
    Nov 6 2025
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down the smart withdrawal strategy that can help retirees keep more of their money — and pay far less in taxes.

    How you take money out of your retirement accounts matters more than how much you’ve saved.

    We’ll cover:
    The right order to take income (Taxable → IRA → Roth)
    How to avoid the “Retirement Tax Bomb” from RMDs
    When to blend your withdrawals for smoother tax brackets
    Why your Roth IRA is your secret weapon for long-term, tax-free growth
    How wealthy families structure their income to save $100,000+ in taxes

    Most retirees spend decades building wealth — but just a few smart decisions can determine how long it lasts. This episode shows you how to withdraw strategically, not emotionally.

    Ready to build your own retirement income plan?
    Schedule a consultation: https://calendly.com/dpulcini

    Email: dpulcini@sixpointfp.com

    Call: 585-485-0947
    Visit: https://sixpointfinancialpartners.com

    #RetirementPlanning, #TaxStrategy, #RetireWithoutRegret, #RothIRA, #401k, #IRA, #FinancialFreedom, #MoneyTips, #TaxFreeIncome, #InvestingForBeginners, #PersonalFinance, #SmartMoney, #WealthTransfer, #FinancialAdvisor, #SixPointFinancialPartners, #DavidPulciniCFP
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    11 m
  • Retirement Planning Isn’t About the Number — It’s About Building a Plan That Works for You

    Retirement Planning Isn’t About the Number — It’s About Building a Plan That Works for You
    Oct 28 2025
    Most people think retirement success depends on hitting a “magic number.”
    In this episode of Retire Without Regret, David Pulcini, CFP® of SixPoint Financial Partners, breaks down why that mindset is wrong — and how to focus on what really matters: your plan, not someone else’s number.

    You’ll learn:
    Why mindset and strategy matter more than total savings
    How to maximize catch-up contributions after age 50
    Why tax diversification (Roth, 401k, brokerage) creates flexibility
    How to build a personalized income plan for your lifestyle
    The power of focusing on what you already have

    Don’t measure your retirement by someone else’s yardstick.
    Plan with purpose. Live without regret.

    Book a time to talk: https://calendly.com/dpulcini

    Learn more: https://sixpointfp.com

    —
    Hosted by David Pulcini, CFP® | The Great Wealth Transfer & Retire Without Regret Series
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    6 m
  • 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 m
  • 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 m
  • 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 m
  • 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 m
  • 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 m
  • 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 m