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

In this bonus episode of Retire Without Regret, financial advisor Dave Pulcini shares 3 actionable steps for people who feel ‘behind’ on retirement savings. You don’t need $2 million to retire well—you need a clear plan.

You’ll learn how to maximize catch-up contributions, diversify your account types, and build a personalized retirement timeline. Plus, Dave explains the mindset shift that helps you focus on what you do have, so you can retire with confidence.

📞 Call SixPoint Financial Partners at 585-485-0947
📧 Email Dave: [email protected]
📅 Schedule a consultation: https://calendly.com/dpulcini
🔔 Subscribe now so you don’t miss the next episodes in the Retire Without Regret series.

▶ Watch the full Retire Without Regret playlist: https://youtu.be/hvH1yseIrCE

Welcome to Retire Without Regret — a new series from The Great Wealth Transfer.Too many people enter retirement with unanswered questions, hidden tax traps, and the constant fear of running out of money. This series is here to change that.In this very first episode, David Pulcini, CFP®, introduces the Retire Without Regret framework — a simple, powerful process to help you:

• Understand how much you really need to retire
• Avoid the most common retirement mistakes
• Create a tax-smart income plan you can count on
• Build confidence knowing your wealth will last

 Retirement isn’t about chasing a number — it’s about building a plan that fits your life.This is your invitation to take control of your retirement future. 

Call SixPoint Financial Partners at 585-485-0947
 Email Dave: [email protected]

 Schedule a consultation: Calendly - Dave Pulcini Subscribe now so you don’t miss the next episodes in the Retire Without Regret series.

YouTube Description (SEO-Rich): What if your retirement plan isn't just about you? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down what most retirement plans get wrong—and how to build a retirement income strategy that serves both you and the people you love. You'll learn:

• How much you really need to retire
• What a financial advisor actually does for income planning
• When to take Social Security or pensions
• The truth behind RMDs and tax bracket creep
• The Die With Zero mindset: spend with intention, not fear
• How to help your aging parents without sacrificing your own retirement
• Whether you should pay off debt before retiring

 Real-life examples. Proven strategies. No sales pitch—just a plan. Listen, subscribe, and share with someone who’s worried about retirement. Ready to build your plan?

 Contact us at SixPoint Financial Partners:
 [email protected]
 585-485-0947

 https://sixpointfp.com 

Don't forget to subscribe for more content on estate planning, tax strategies, and retirement income!

 #RetirementPlanning #FinancialFreedom #WealthTransfer #RothConversions #GreatWealthTransfer #TaxStrategy

$84 trillion is changing hands in the next 20 years — will your family be ready?

Welcome to The Great Wealth Transfer — where we break down how to protect, grow, and pass on wealth across generations. In this first episode of our six-part series, David Pulcini, CFP®, unpacks investment strategies that outlive you, reduce taxes for your heirs, and create real clarity for the people you love. 

In this episode:

• Why your investment plan is incomplete if it ends with you
• How one client’s $2.5M portfolio played out for his kids
• The 3 strategies to protect wealth after you're gone
• Why a video message could be the most important investment you leave behind

 Book a call with SixPoint Financial Partners: https://calendly.com/dpulcini
 
Contact: [email protected]
Learn more: https://sixpointfp.com 

Subscribe for more episodes on taxes, retirement income, estate planning, and how to build a true financial legacy.

In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down the LEGACY Framework — a 6-step estate planning system designed to help you protect your wealth, minimize taxes, avoid probate, and give with purpose.

 What You'll Learn:

• How to list and organize your financial assets
• Why goals (not just documents) are the heart of a true estate plan
• What documents you actually need (and where to store them)
• The tax traps of IRAs and how to plan around them
• Why a trust offers more than a will alone
• How one yearly meeting can save your family from chaos

 Avoid the biggest estate planning mistake: doing nothing. 

Schedule a consultation: Select a Date & Time - Calendly

Website: https://www.sixpointfp.com
 Call: 585-485-0947
 Email: [email protected]

Sudden Wealth is one of the biggest financial transitions you’ll ever face—so don’t go it alone. Whether from an inheritance, business sale, lottery win, or settlement, a financial windfall can change your life—and not always in the way you expect.

In this episode of The Great Wealth Transfer, financial advisor David Pulcini, CFP®, shares:

•  The 4 most common mistakes people make after receiving sudden wealth
•  How to avoid taxes, scammers, and poor decisions
•  The 5-step framework to turn a windfall into lifelong financial security
•  Emotional traps like guilt, identity changes, and family pressure
•  Real-life stories and strategies you can use today

 Learn how to handle a windfall with purpose and build a lasting legacy.

 Need personalized guidance? Let’s talk.
→ Book a 20-minute intro call: 
Select a Date & Time - Calendly

 Email: [email protected]
 Call: 585-485-0947 

Subscribe to The Great Wealth Transfer for real-life strategies on inheritance, taxes, and legacy planning.

In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, simplifies one of the most misunderstood estate planning topics: Wills vs. Trusts. Whether you're just getting started or need to revisit your estate plan, this episode breaks down:

•  What a will and a trust actually are (in plain English)
•  The 5 key differences: probate, privacy, timing, cost, control
•  Real-life examples and what happens if you get it wrong
•  The "cast of characters" in wills and trusts
•  10 types of trusts – from revocable to special needs to GRATs
•  A simple analogy that makes it all click (hint: sticky note vs. locked chest)

BONUS: A crash course in trust structures and how to know which one might be right for your family.
 
If you’ve never reviewed your estate plan—or if it’s been over five years—this is your sign to act.
 
Need help? Call SixPoint Financial Partners at 585-485-0947 or email [email protected].

 Subscribe now for more insights into estate planning, tax strategies, and legacy preservation.

In this FAQ-style episode of The Great Wealth Transfer, host David Pulcini, CFP®, tackles the most common questions he's getting at the gym, soccer games, and lunch tables—from gifting rules to estate tax traps. You’ll learn:

• Who pays the taxes when you gift $50,000 to your kids?
• What happens if the estate tax exemption gets cut?
• Should you put your house into a trust?
• Will your kids owe taxes when they inherit your IRA?
• What happens if you die without a will?
• Why your beneficiaries on accounts matter more than your will.

David also shares real-life stories and examples, including how one family avoided 14 months of probate by properly using a trust—and another lost everything to a distant cousin.

 Whether you're planning for retirement, building generational wealth, or just want your estate to be simple and smooth—this is an episode you don’t want to miss.

In this Business Owner edition of The Great Wealth Transfer, Dave Pulcini, CFP®, dives deep into the critical (yet often avoided) topic of succession planning. From family feuds to failed exits, Dave shares real-life cautionary tales of business owners who didn’t have a plan—and the expensive fallout that followed.
You’ll learn:

• How to create a bulletproof succession strategy
• Why “fair” isn’t always equal in family business transitions
• The must-have legal documents and buy-sell agreements
• The role of financial advisors, attorneys, and third-party experts
• How to increase your business valuation before selling
• When and how to communicate your plan with family and key employees

This episode is packed with practical steps for any business owner ready to protect their legacy and avoid tomorrow’s family feud.
 Want help creating your plan? Reach out to SixPoint Financial Partners at 585-485-0947 or email [email protected].
 Subscribe for more estate and legacy planning insights: SixPoint Financial Partners YouTube Channel

SixPoint Financial Partners - YouTube

Share your videos with friends, family, and the world
www.youtube.com