Month: September 2021
24. 6 Things We Tell People in Their 70’s with Joe Prestigiacomo

24. 6 Things We Tell People in Their 70’s with Joe Prestigiacomo

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Financial planning in your 70s may look different from the planning process earlier in life. Clients may have different goals and priorities, and it’s important to make sure that those are being addressed.

But does your financial plan match up with these new priorities? 

In this episode, David Pulcini sits down with Joe Prestigiacomo, CFP®, partner at SixPoint Financial Partners, to discuss six pieces of financial advice they give to clients who are in their 70s. 

David and Joe discuss: 

  • How recent changes to your RMDs could affect how much money you receive in retirement 
  • How to use Roth conversions to your advantage 
  • How to handle financial risk in your 70s 
  • The importance of consolidating investment accounts
  • Why you need to sit down and review your important documents
  • Why you should book a meeting between your beneficiaries and your advisor 
  • And more

Resources:

Connect with David Pulcini: 

Connect with Joe Prestigiacomo:

About our Guest: Joe Prestigiacomo began his career in the financial services industry in 2012, and today he provides comprehensive financial guidance to many clients. He graduated from St. John Fisher College – Rochester, NY where he earned a Bachelor of Science degree in Finance. He holds Series 7, 24, 66 and NYS Life, Health & Disability Insurance Licenses, and is a Certified Financial Planner™. Joe focuses on developing retirement income strategies as well as personalized risk management assessments and solutions.

Along with Joe’s knowledge and experience, his commitment to an outstanding level of client service is an integral part of his practice that he prides himself on. By developing a deep understanding of Joe’s clients’ individual situations, he is able to help them make well informed financial decisions with confidence.

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23. 6 Things We Tell People in Their 60’s with Alex Neri

23. 6 Things We Tell People in Their 60’s with Alex Neri

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Financial planning in your 60s is often considered by advisors to be the most important stage of your planning for your retirement. 

But many are confused by contradicting pieces of advice from various different sources.

In this episode, David Pulcini speaks with Alex Neri, CFP®, RICP®, partner at SixPoint Financial Partners, about six pieces of financial advice he would give to clients in their 60s. Alex also includes one BONUS piece of advice that was too important to leave out. 

Alex discusses: 

  • How Social Security plays plays a huge role in your planning in your 60s
  • What Medicare decisions you need to make, and when the “cut-off” is
  • Whether long term insurance will cover your medical expenses in the future
  • Making the most of your pension 
  • How to plan your inheritance properly 
  • And more

Resources:

Connect with David Pulcini: 

Connect with Alex Neri:

About our Guest: Alex Neri is dedicated to helping people meet their financial goals through in-depth discussions and planning. He is a 2014 graduate of Mercyhurst University-Erie, PA where he earned a bachelor’s degree in Finance. He enjoys taking complex issues and breaking them down into simple and manageable financial goals. Specializing in working with individuals and families as Alex works to help them properly manage their retirement assets, develop risk mitigation strategies and uncover and resolve portfolio inefficiencies.

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22. 6 Things We Tell People in Their 50’s with Anthony Ruffalo

22. 6 Things We Tell People in Their 50’s with Anthony Ruffalo

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Are you in your fifties? How do you feel about your financial situation right now?

While you’re in your fifties, your life is starting to have some new milestones, and big financial and life changes are on the horizon. Are you looking at retirement soon? Are you going to sell your house after the kids move out? Should you start to move your money and investments around into new accounts?

In this episode, David Pulcini gets real about financial advice for people in their fifties, and answers the questions above, with Anthony Ruffalo, CFP®, owner of Ruffalo Wealth Management. David and Anthony share some advice to help you prepare for your final years working, starting retirement and all the decisions that surround this time in your life.

David and Anthony discuss:

  • How to figure out your retirement income targets
  • The importance of developing a long-term care plan, even if you don’t think you’ll use it
  • How to identify income gaps when you transition into retirement
  • How downsizing your home might make you hundreds of thousands of dollars
  • How the sequence of return risk could be what makes or breaks your bank account
  • And more

Connect with Anthony Ruffalo:

Connect with David Pulcini: 

About our Guest: Anthony Ruffalo is a CERTIFIED FINANCIAL PLANNER™ Practitioner. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold a CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, only 62,000 individuals have obtained CFP® certification in the United States.

Anthony holds the series 24, 7, 66 securities licenses through LPL Financial as well as Life, Health, Long Term Care, Medicare Supplement, and Annuity licensures.

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