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

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: [email protected]
Schedule a consult: https://calendly.com/dpulcini

Website: SixPointFP.com

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: [email protected]

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

#RetirementPlanning, #TaxStrategy, #RetireWithoutRegret, #RothIRA, #401k, #IRA, #FinancialFreedom, #MoneyTips, #TaxFreeIncome, #InvestingForBeginners, #PersonalFinance, #SmartMoney, #WealthTransfer, #FinancialAdvisor, #SixPointFinancialPartners, #DavidPulciniCFP

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

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 [email protected]

Subscribe for more on the Great Wealth Transfer & Retire Without Regret.

#RetireWithoutRegret, #GreatWealthTransfer, #RetirementPlanning, #TaxSmartRetirement, #RothConversion, #InflationProtection, #SixPointFinancialPartners, #DavidPulciniCFP