If you suddenly had $10 million, what would actually change about your life?
Many retirees and pre-retirees are surprised by their own answer — and what it reveals about retirement readiness.

In this episode of The Great Wealth Transfer, we explore why more money doesn’t always lead to more happiness, how clarity beats accumulation, and what it really means to feel financially secure heading into retirement.

This conversation is especially relevant for individuals approaching retirement who have saved diligently but still feel uncertain — even anxious — about spending their money.

Topics covered include:
• Retirement mindset and permission to spend
• Why “enough” matters more than “more”
• Emotional readiness for retirement
• Financial clarity vs. financial accumulation
• Protecting the life you’ve already built

If this resonates, connect with SixPoint Financial Partners:
 585-485-0947
 [email protected]

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

This content is for educational purposes only and is not individualized financial, tax, or legal advice.
#RetirementPlanning
#GreatWealthTransfer
#RetireWithoutRegret
#FinancialClarity
#PermissionToSpend

Most people have heard of Bitcoin — but very few can explain what it actually is, how it works, or whether it belongs in a retirement plan.

In this episode of The Great Wealth Transfer, David Pulcini, CFP® breaks Bitcoin down in plain English:

What Bitcoin actually is (and what it is not)

The difference between money vs currency

Why Bitcoin behaves more like digital gold

Whether Bitcoin threatens the US dollar

How retirees and pre-retirees should think about Bitcoin exposure

A neutral, fiduciary perspective on owning Bitcoin (no hype, no fear)

This episode is designed for investors over 50, retirees, and families navigating the Great Wealth Transfer who want clarity — not speculation.

📅 Want help understanding how Bitcoin fits into your retirement plan?

Schedule a conversation: https://calendly.com/dpulcini
🌐 Learn more: https://sixpointfp.com
📩 Email: [email protected]
📞 Phone: 585-485-0947

#retirementplanning #TheGreatWealthTransfer #retirementincome #youtubefinance #financialeducation #investingsimplified #bitcoinexplained #bitcoininvesting #digitalgold #cryptoforbeginners #bitcoineducation

If you’ve ever looked at your healthcare premiums and thought, “Why is this so expensive?” — you’re not alone.
Healthcare is one of the largest and fastest-growing expenses in retirement, especially for people in their 50s and early 60s before Medicare begins. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why healthcare premiums keep rising, what’s actually driving the cost, and — most importantly — what retirees can still control.
In this video, we cover:
• Why healthcare costs rise as you age
• Why U.S. healthcare premiums are higher than most countries
• The hidden impact of prescription drugs and medical inflation
• Why ages 60–65 are the most expensive healthcare years
• How income planning affects ACA subsidies and Medicare premiums
• How smart planning can reduce healthcare costs in retirement
Healthcare isn’t expensive because you’re doing something wrong — it’s expensive because the system is expensive. The good news? With the right retirement income and tax strategy, you can plan around it.
📅 Schedule a conversation: https://calendly.com/dpulcini
🌐 Learn more: https://sixpointfp.com
#HealthcareCosts, #RetirementPlanning, #HealthcarePremiums, #MedicarePlanning, #RetirementIncome, #GreatWealthTransfer, #FinancialPlanning, #RetireWithoutRegret, #PreMedicare, #RetirementExpenses, #DavidPulciniCFP

Most people think retirement readiness is about hitting a certain dollar amount. In reality, it’s about clarity and confidence.

In this episode, we walk through the five real signs you’re truly ready to retire, including:

-Knowing your real retirement number
-Having a tested, tax-smart income plan
-Planning for healthcare and Medicare
-Building a forward-looking tax strategy
-Retiring to something, not just from something

If you’ve ever asked yourself, “Will I be okay?” — this episode is for you.

 Schedule a Call: https://www.calendly.com/dpulcini
 Learn More: https://www.sixpointfp.com
 Email: [email protected]

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.

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: [email protected]
Phone: (585) 295-8117
Website: sixpointfp.com
Calendly: calendly.com/dpulcini

Recorded at ROC Vox Recording & Production, Rochester, NY

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: [email protected]
Phone: (585) 895-2117
Website: sixpointfp.com
Calendly: calendly.com/dpulcini

Recorded at ROC Vox Recording & Production, Rochester, NY

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: [email protected]
Calendly: https://calendly.com/dpulcini
Website: sixpointfp.com

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: [email protected]

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

#RetirementPlanning, #financialplanning, #investmentstrategy, #taxplanning, #RothConversions

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: [email protected]

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

YouTube: https://www.youtube.com/channel/UCPLDBtMdf2Osu9L3_AtzFnw