Episodi

  • Advanced RSU Tax Strategies Most Employees Miss | RSU 301

    Advanced RSU Tax Strategies Most Employees Miss | RSU 301
    Sep 21 2026
    Restricted stock units can be more than compensation—they can become a powerful financial-planning tool.

    In RSU 301, David Pulcini, CFP®, explores advanced RSU strategies that many employees overlook, including:

    • Planning around company blackout periods
    • Understanding short-term and long-term capital gains
    • Avoiding the trap of holding company stock solely for tax reasons
    • Coordinating RSU income with Roth conversions
    • Using vested-share proceeds to fund a 401(k), backdoor Roth IRA, 529 plan, or other financial goals
    • Deciding when professional guidance may be valuable
    This episode builds on RSU 101 and RSU 201 to help you think beyond vesting and create a more intentional strategy for your equity compensation.

    Schedule a conversation: https://calendly.com/dpulcini
    Visit SixPoint Financial Partners: https://sixpointfp.com
    Call: 585-485-0947
    Email: dpulcini@sixpointfp.com

    Subscribe to our channel for more informative videos:
    https://www.youtube.com/@sixpointfinancialpartners4351?sub_confirmation=1

    #RSU, #RestrictedStockUnits, #TaxPlanning,

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    5 min
  • RSUs Explained: Vesting, Taxes & the 22% Withholding Trap

    RSUs Explained: Vesting, Taxes & the 22% Withholding Trap
    Sep 19 2026
    If your company gives you restricted stock units, you could be accumulating more wealth than you realize—and creating a larger tax bill than you expect.

    In this RSU 101 video, David Pulcini, CFP® explains:

    What restricted stock units are
    How an RSU vesting schedule works
    When RSUs become taxable income
    Why vesting—not selling—is usually the first tax event
    How the 22% federal withholding rate can leave higher earners owing additional taxes
    What changes after the shares officially become yours

    For example, if 100 shares vest while the stock is worth $50 per share, that generally creates $5,000 of ordinary income. Your company may withhold shares for taxes, but the amount withheld may not fully cover your eventual tax liability.

    This is RSU 101—the first installment in our restricted stock unit series. Next, we’ll examine whether to hold or sell vested shares, company-stock concentration risk, and the mistakes that can quietly cost RSU recipients the most.

    Schedule a conversation with SixPoint Financial Partners:
    https://calendly.com/dpulcini

    Learn more:
    https://sixpointfp.com

    David Pulcini, CFP®
    585-895-2117
    dpulcini@sixpointfp.com

    #RSU, #RestrictedStockUnits, #TaxPlanning,

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    5 min
  • RSU 201 | Should You Sell Your RSUs When They Vest?

    RSU 201 | Should You Sell Your RSUs When They Vest?
    Sep 8 2026
    Your restricted stock units have vested, the taxes have been handled, and the company shares are sitting in your account. Now what?

    In RSU 201, David Pulcini, CFP® explains one of the most important decisions in equity compensation: whether to hold your vested RSUs or sell the shares and diversify.

    Doing nothing may feel safe, but it is still an investment decision. Over time, RSUs can quietly become 30%, 40%, or even 50% of someone’s net worth—all tied to the same company providing their paycheck and possibly their bonus.

    In this episode, you’ll learn:
    • What happens after restricted stock units vest
    • When selling RSUs may make sense
    • When holding company stock could be reasonable
    • Why selling immediately may create little additional taxable gain
    • How RSUs create company-stock concentration risk
    • Why your paycheck, bonus and portfolio shouldn’t all depend on one company
    • How to make an intentional RSU strategy instead of operating on autopilot

    The key takeaway: vest, then decide. Hold with intention—or sell and diversify.

    Watch RSU 101 first to understand vesting, ordinary income taxation and the potential 22% withholding trap.

    Next in RSU 301, we’ll explore blackout periods, capital gains, tax planning and how RSUs can fit into a broader financial plan.

    Schedule a conversation with SixPoint Financial Partners:
    https://calendly.com/dpulcini

    Learn more:
    https://sixpointfp.com
    David Pulcini, CFP®
    585-895-2117
    dpulcini@sixpointfp.com

    #RSU #RestrictedStockUnits #EquityCompensation

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    5 min
  • Three Things Killing Your Business Value

    Three Things Killing Your Business Value
    Aug 27 2026
    Thinking about selling your business someday?

    The biggest factors reducing your company's value today may be completely within your control.

    In this episode, Certified Financial Planner™ David Pulcini discusses:

    • Why owner dependency scares buyers
    • The danger of relying on one or two major customers
    • How messy financial statements reduce your valuation
    • What buyers actually look for during due diligence
    • Simple steps to improve business value before an exit

    Whether you're planning to sell in two years or twenty, preparing today can dramatically increase what your business is worth.

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

    Learn more:
    sixpointfp.com/dave-pulcini-bio

    If you enjoyed this episode, please Like, Subscribe, and Share it with another business owner.

    #BusinessOwner, #BusinessValuation, #ExitPlanning,

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    5 min
  • Trump Accounts Explained: Should Parents & Grandparents Open One in 2026?

    Trump Accounts Explained: Should Parents & Grandparents Open One in 2026?
    Aug 17 2026
    Are Trump Accounts worth it?

    Beginning in 2026, eligible children may qualify for a new Trump Account that can receive a government-funded $1,000 contribution and provide a new way to build long-term retirement savings.

    In this video, Certified Financial Planner™ David Pulcini explains:

    What a Trump Account is
    Who qualifies for the $1,000 government contribution
    How parents and grandparents can contribute
    Trump Account vs. 529 Plan
    Trump Account vs. Roth IRA
    Tax advantages and potential drawbacks
    How to open a Trump Account
    Whether this strategy fits into your family's financial plan

    Many families have heard about these new accounts but don't fully understand how they work. We'll walk through the rules, contribution limits, investment options, tax considerations, and where this strategy may fit alongside other savings vehicles.

    If you're planning for your children's or grandchildren's future, this is one retirement planning strategy you'll want to understand.

    Schedule a complimentary conversation:
    https://calendly.com/dpulcini

    Learn more:
    https://sixpointfp.com

    Subscribe for weekly retirement planning videos:
    https://www.youtube.com/@sixpointfinancialpartners4351

    SixPoint Financial Partners
    Helping families retire with confidence through comprehensive financial planning, retirement income planning, tax strategies, investment management, estate planning, and legacy planning.

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    9 min
  • Pension or Lump Sum? How to Make the Right Retirement Choice

    Pension or Lump Sum? How to Make the Right Retirement Choice
    Aug 11 2026
    Should you take the guaranteed monthly pension—or choose the lump sum and roll it into a retirement account?

    This may be one of the largest and most permanent financial decisions you make. Unfortunately, there isn’t one answer that works for everyone. The right choice depends on your income needs, health, life expectancy, other retirement assets, comfort with investment risk, and desire to leave money to your family.

    In this video, David Pulcini, CFP® explains:

    The peace of mind a monthly pension can provide
    Why inflation may reduce a pension’s purchasing power
    What may happen to the pension after you and your spouse die
    The control and flexibility offered by a lump-sum rollover
    How a lump sum may create an asset for your beneficiaries
    The investment and longevity risks of managing the money yourself
    The questions to answer before making an irreversible election

    A pension provides predictable lifetime income and eliminates much of the responsibility for managing the money. A lump sum may offer greater control, growth potential, access to the funds, and legacy-planning flexibility—but you are responsible for making it last.

    Don’t make this decision based solely on what a coworker chose. Their health, family, assets, income needs, and retirement plan are not the same as yours.

    Before signing your pension election paperwork, compare both options using your actual numbers and complete retirement plan.

    Schedule an introductory conversation:
    https://calendly.com/dpulcini/introdu...

    Call or text: (585) 895-2117

    Visit SixPoint Financial Partners: https://www.sixpointfp.com

    Subscribe for more retirement-planning insights:
    / @sixpointfinancialpartners4351

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    7 min
  • How Much Money Do You Really Need to Retire?

    How Much Money Do You Really Need to Retire?
    Aug 7 2026
    How much money do you really need to retire? Is it $1 million, $2 million, 10 times your salary—or something completely different?

    The truth is that your retirement number shouldn’t be based on a stranger’s rule of thumb. It should be based on one question:

    Can your income support your life without a paycheck?

    In this video, David Pulcini, CFP® explains a simple three-step retirement test:
    Determine what your lifestyle actually costs
    Calculate your dependable retirement income
    Identify the income gap your savings must fill

    You’ll also learn:
    • Why a large investment balance doesn’t automatically mean you’re ready to retire
    • How pensions and Social Security create your retirement income floor
    • Why choosing the wrong pension option can permanently reduce your income
    • How your 401(k), IRA and investments can help fill the remaining gap
    • Why taxes, healthcare and longevity matter just as much as investment performance
    • When you should begin seriously evaluating your retirement readiness

    The amount you need to retire is personal. Someone spending $6,000 per month with substantial guaranteed income may need less saved than someone spending $12,000 per month with no pension.

    Retirement planning isn’t about reaching an arbitrary number. It’s about coordinating your income, investments, taxes, healthcare and long-term goals so you can clearly see whether the numbers work.

    If you’re five to ten years away from retirement—or wondering whether you could retire sooner—now is the time to find out.

    Schedule a conversation with our team:
    https://calendly.com/dpulcini

    Learn more about SixPoint Financial Partners:
    https://www.sixpointfp.com

    Call us:
    585-895-2117

    Subscribe for more retirement and financial planning insights:
    https://www.youtube.com/@sixpointfinancialpartners4351?sub_confirmation=1

    What is the biggest unanswered question you have about retirement? Leave it in the comments. We may answer it in an upcoming video.

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    7 min
  • What Is Your Business Actually Worth? (Most Owners Get This Wrong)

    What Is Your Business Actually Worth? (Most Owners Get This Wrong)
    Jul 30 2026
    Most business owners can tell you what they think their business is worth—but very few can explain how they arrived at that number.

    In this episode, Certified Financial Planner™ David Pulcini discusses:

    • Why revenue alone doesn't determine value
    • How buyers actually value businesses
    • Why owner dependency lowers your company's value
    • The importance of business succession planning
    • How to increase your business's value before an exit
    • Why every business owner should know their number

    Whether you're planning to sell in one year or twenty, understanding your business value today can dramatically improve your financial future.

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

    Learn more:
    https://sixpointfp.com

    If you enjoyed this episode, please Like, Subscribe, and Share with another business owner.

    Recorded at ROC Vox Recording and Production, Rochester, NY
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    5 min