Episodi

  • Is Social Security Going Broke? The Truth No One Explains Clearly

    Is Social Security Going Broke? The Truth No One Explains Clearly
    Jan 8 2026
    Will Social Security run out of money?

    Headlines say the Social Security trust fund is going broke — but what does that actually mean for retirees and those nearing retirement? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down what’s really happening with Social Security, what benefit cuts could look like, and how smart retirement planning can protect you regardless of political headlines.

    You’ll learn:
    • What happens if the Social Security trust fund runs out
    • Whether benefits will actually stop (or just be reduced)
    • How Congress could change Social Security rules
    • Why planning for 80% of benefits may be the smarter move
    • How to build a retirement income plan that doesn’t rely on one source

    Fear doesn’t belong in retirement planning — clarity does.

    📅 Schedule a conversation: https://calendly.com/dpulcini
    🌐 Learn more: https://sixpointfp.com

    Educational content only. Not financial advice.
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    10 min
  • Joint Account Mistakes You Don't Want to Make... #MedicaidPlanning

    Joint Account Mistakes You Don't Want to Make... #MedicaidPlanning
    Jan 2 2026
    Adding your name to a parent’s bank account feels helpful — but it can quietly create serious legal, tax, and Medicaid problems.

    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why joint accounts are one of the most misunderstood estate planning tools and how they can backfire during long-term care and Medicaid planning.

    We discuss:
    • Why joint accounts legally give both people 100% ownership
    • How Medicaid reviews joint accounts during eligibility
    • Whether nursing homes can access joint account funds
    • What happens to a house when long-term care enters the picture
    • Smarter alternatives to joint accounts

    Good intentions aren’t enough.
    Understanding the rules protects your family, your assets, and your relationships.
    Email: dpulcini@sixpointfp.com
    Phone: (585) 295-8117
    Website: sixpointfp.com
    Calendly: calendly.com/dpulcini

    Recorded at ROC Vox Recording & Production, Rochester, NY
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    9 min
  • Plan Your Retirement for Longevity, Prepare for Brevity #retirementplanning

    Plan Your Retirement for Longevity, Prepare for Brevity #retirementplanning
    Dec 30 2025
    Most retirement plans focus on one thing: making money last a long time.

    But great planning does something more powerful — it plans for longevity *and* prepares for brevity.

    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why true financial planning isn’t just about living to 90 or 100, but also about protecting the people you love if life is shorter than expected.

    We cover:
    • How to stress-test retirement plans for long life
    • Why organization and clarity matter just as much as growth
    • The emotional and financial cost of leaving decisions unfinished
    • How a good plan removes uncertainty for your family

    You can’t predict how long life will last.
    But you *can* prepare for both outcomes — and that’s where real peace of mind comes from.

    Email: dpulcini@sixpointfp.com
    Phone: (585) 895-2117
    Website: sixpointfp.com
    Calendly: calendly.com/dpulcini

    Recorded at ROC Vox Recording & Production, Rochester, NY
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    5 min
  • Think Twice Before Rolling Your CD! #interestrates

    Think Twice Before Rolling Your CD! #interestrates
    Dec 26 2025
    Interest rates are falling — and for many retirees, that creates confusion and costly mistakes.

    For the last few years, CDs felt like a gift: safe, simple, and finally paying meaningful interest. But now that rates are starting to decline, many people are asking the same question:

    What should I do when my CD matures?

    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains what to consider before automatically rolling over a CD, including:

    • When staying in cash still makes sense
    • When rolling a CD can actually hurt you
    • How taxes quietly reduce CD returns
    • Why falling rates often create opportunity
    • How to reposition cash without going “all in” on the market

    This is not about chasing yield.
    It’s about building a strategy that works in any interest-rate and tax-rate environment.

    Hosted by David Pulcini, CFP®
    Founder, SixPoint Financial Partners
    Phone: 585-895-2117
    Email: dpulcini@sixpointfp.com
    Calendly: https://calendly.com/dpulcini
    Website: sixpointfp.com
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    7 min
  • 5 Retirement Mistakes Turning the IRS Into Your Biggest Beneficiary #retirement

    5 Retirement Mistakes Turning the IRS Into Your Biggest Beneficiary #retirement
    Dec 11 2025
    The IRS may be your biggest heir — unless you take control.
    With $84 trillion set to change hands over the next 20 years, your retirement accounts could become a massive tax burden for your family. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down 5 practical moves to help reduce lifetime taxes, avoid forced withdrawals, and protect your legacy.

    You’ll learn:
    How to diversify your tax buckets (pre-tax, after-tax, Roth)
    Smart Roth conversion strategies while rates are historically low
    The difference between asset allocation and asset location
    How the SECURE Act’s 10-Year Rule impacts your children
    Why a lifetime withdrawal plan beats an RMD-only plan
    How to prevent the IRS from inheriting more than your family

    Whether you're planning your own retirement or preparing to pass wealth to the next generation, these strategies help you keep more of your money in your family’s hands — not the government’s.

    Want personalized guidance?
    Schedule a call with Dave: 585-485-0947
    Email: dpulcini@sixpointfp.com

    Subscribe for more Great Wealth Transfer insights: YouTube.com/@SixPointFinancialPartners

    #RetirementPlanning, #financialplanning, #investmentstrategy, #taxplanning, #RothConversions
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    12 min
  • The Market Is Going to Go Down — Here’s the Part No One Tells You

    The Market Is Going to Go Down — Here’s the Part No One Tells You
    Dec 2 2025
    The market will drop — it always does. The question isn’t if, it’s whether you’re positioned to take advantage of the opportunity. In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, breaks down four smart moves you can make during market declines to strengthen your long-term plan and reduce future taxes.

    You’ll learn:
    ✓ How tax-loss harvesting creates real savings
    ✓ Why rebalancing forces you to “buy low” automatically
    ✓ How Roth conversions become more powerful when markets fall
    ✓ When deploying cash can create long-term upside

    You’ll also hear the two biggest mistakes investors make in down markets — cashing out and stopping contributions — and how those decisions can derail retirement.

    If you want a calm, disciplined playbook when the headlines turn scary, this episode is for you.

    Connect with Dave Pulcini, CFP®
    Phone: 585-485-0947
    Email: dpulcini@sixpointfp.com

    Schedule a time: https://calendly.com/dpulcini

    YouTube: https://www.youtube.com/channel/UCPLDBtMdf2Osu9L3_AtzFnw
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    6 min
  • Retirement Rich… But Cash Poor? How to Fix the Biggest Mistake Under-55 Investors Make

    Retirement Rich… But Cash Poor? How to Fix the Biggest Mistake Under-55 Investors Make
    Nov 20 2025
    Feeling ‘retirement rich’ but cash poor? You’re not alone. Millions of people under 55 have most of their wealth locked inside retirement accounts they can’t touch without penalties. In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, breaks down how to fix that gap — and build real financial flexibility today without sacrificing your long-term retirement security.

    You’ll learn:
    • Why having $1M+ in retirement accounts can still leave you feeling broke
    • The “retirement rich, cash poor” trap most savers fall into
    • How to balance pre-tax, Roth, and taxable accounts for maximum flexibility
    • The three smartest ways to save when every dollar counts
    • How small annual increases in savings create massive long-term upside
    • Strategies to engineer your future tax bracket
    • Why taxable investing might be your missing wealth-building tool

    If you’re under 55 and want more control, more liquidity, and a smarter plan for tomorrow—this episode is for you.

    Contact SixPoint Financial Partners
    Phone: 585-485-6048
    Email: dpulcini@sixpointfp.com
    Schedule a consult: https://calendly.com/dpulcini

    Website: SixPointFP.com
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    5 min
  • 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 min