The Great Wealth Transfer

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: [email protected]

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#RSU, #RestrictedStockUnits, #TaxPlanning,

Recorded at ROC Vox Recording and Production, Rochester, NY

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
[email protected]

#RSU, #RestrictedStockUnits, #TaxPlanning,

Recorded at ROC Vox Recording and Production, Rochester, NY

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
[email protected]

#RSU #RestrictedStockUnits #EquityCompensation

Recorded at ROC Vox Recording and Production, Rochester, NY

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

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

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

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

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

Most people spend decades saving for retirement but never build an actual retirement plan.

In this episode of The Great Wealth Transfer, I walk through the real-life story of a couple preparing for retirement and show exactly how a comprehensive financial plan comes together.

We cover:
 Investments
 Retirement income planning
 Social Security strategies
 Tax planning and Roth conversions
 Risk management
 Estate planning
 Retirement travel and lifestyle goals

If you're within 10 years of retirement, this video will show you what a complete retirement plan should actually look like.

 Learn more:
sixpointfp.com

Subscribe to the SixPoint Financial Partners YouTube Channel:
https://www.youtube.com/@sixpointfinancialpartners4351

 Schedule a conversation:
https://calendly.com/dpulcini/introduction-to-sixpoint

#retirementplanning #retirement #financialplanning #socialsecurity #rothconversion #estateplanning #retirementincome

Recorded at ROC Vox Recording and Production, Rochester, NY

What happens to your IRA when you die?

Most people assume their retirement accounts automatically transfer to their spouse or follow the instructions in their will. Unfortunately, that's not always true.

In this episode of The Great Wealth Transfer, I walk through a real-life case where an outdated beneficiary designation completely changed where a retirement account went after death.

We cover:
 IRA beneficiary rules
 What happens when a spouse inherits an IRA
 The SECURE Act 10-year rule
 Inherited IRA tax consequences
 Traditional IRA vs Roth IRA inheritance
 Beneficiary designation mistakes
 Primary vs contingent beneficiaries
 Estate planning and retirement accounts

If you have an IRA, 401(k), 403(b), or retirement account, this is information your family needs you to understand.

 Learn more:
sixpointfp.com

Subscribe to the SixPoint Financial Partners YouTube Channel:
https://www.youtube.com/@sixpointfinancialpartners4351

 Schedule a conversation:
https://calendly.com/dpulcini/introduction-to-sixpoint

#IRA #InheritedIRA #EstatePlanning #RetirementPlanning #BeneficiaryDesignations #RothIRA #FinancialPlanning #SecureAct

Recorded at ROC Vox Recording and Production, Rochester, NY