Category: Advisor
How To Change Financial Advisors (Ep. 63)

How To Change Financial Advisors (Ep. 63)

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If you’re looking for a financial advisor or for a new one, it’s not difficult to do! The toughest part is finding why you need to make the change.

In this episode, David Pulcini talks about how to change financial advisors from two perspectives: not having an existing advisor and changing from a current advisor to a new one. He walks through how changing financial advisors actually happens, what is involved, and what you have to do in order to make that change.

David discusses: 

  • The process of changing an advisor
  • The emotional implications that can complicate the decision to change your advisor
  • The value a financial advisor brings to the table
  • And more

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Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

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How to Maximize your Small Business’ Financial Potential With Carlo DiPisa (Ep. 62)

How to Maximize your Small Business’ Financial Potential With Carlo DiPisa (Ep. 62)

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You may have heard about the Employee Retention Credit or ERC. What you may have yet to hear is that it is much easier to qualify than it was a few years ago.

In this episode, David Pulcini invites Carlo DiPisa to the podcast to talk about ERC. Carlo breaks down what is needed to qualify for the credit, why every small business should start the process of applying, and the benefits the ERC brings to companies.

David and Carlo discuss: 

  • The many myths surrounding the ERC and what to believe
  • What fees can be expected if your business chooses to apply with the help of another company
  • How over-advertising of this credit has made it seem like a scam and what to avoid
  • And more

Book Time with David Pulcini:

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Connect with Carlo DiPisa:

About our Guest: 

Carlo is a finance professionals with over 20 years of expertise in the fields of small business ownership, finance, and real estate. He takes a consultative approach: learning about you and your business, so thathecan offer the best customized solution possible. By understanding your particular needs, he assists businesses of all sizes secure commercial financing that best suits their individual situation.

While banks and other institutions can provide many useful services, this generalized approach is not a perfect fit for every organization. Carlo provides a wide range of business loans/leasing and other financing opportunities that help businesses achieve their short and long-term goals.

Here are some of the financing options that Carlo provides: Short-term Business Loans, Working Capital Loans, Equipment Leasing, SBA Loans, Unsecured Business Lines of Credit, Factoring (Accounts Receivable Financing), Commercial Real Estate Financing, Hard Money Loans, and Consumer Financing.

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Financial Planning Success Stories Of Medical Sales Reps with Marshal Scheidt (Ep. 61)

Financial Planning Success Stories Of Medical Sales Reps with Marshal Scheidt (Ep. 61)

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Have you ever wondered how your occupation might impact your financial planning strategies?

In this episode, David Pulcini invites Marshal Scheidt back to the podcast to complete the two-part series of financial planning for medical sales reps. Marshal shares two real-life examples of how he helps medical salespeople through the process of financial planning using the six points.

David and Marshal discuss: 

  • The different events that lead people to start their financial planning
  • Why understanding what you’re doing and why you’re doing it is an important part of the financial planning process
  • How having stock options can change the way you plan
  • The step-by-step process of dealing with clients in medical sales
  • And more

Resources:

Book Time with David Pulcini:

Connect with David Pulcini: 

Connect with Marshal Scheidt: 

About our Guest: 

Marshal Scheidt takes tremendous pride in helping his clients envision and accomplish their goals. Whether these goals pertain to their financial lives or are personal objectives, he takes a stake in helping his clients grow and improve on many levels. 

He graduated in 2015 from SUNY Brockport, where he earned a Bachelor of Science degree in Finance and Business Administration with a concentration in Management.

Marshal’s business practice is focused on providing comprehensive financial planning, risk management and retirement income strategies to help individuals find success and peace of mind.

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Financial Planning for Medical Sales Reps at SixPoint Financial Partners with Marshal Scheidt (Ep. 60)

Financial Planning for Medical Sales Reps at SixPoint Financial Partners with Marshal Scheidt (Ep. 60)

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Focusing on a specific group or niche can be advantageous as it allows us to address their common issues and concerns and help them with their finances. 

Curious about how and why SixPoint helps medical sales professionals?

In this episode, David Pulcini chats with Marshal Scheidt, partner at SixPoint Financial Partners, who specializes in providing financial planning to medical salespeople. Marshal shares his process when working with medical sales professionals, the unique challenges they face and emphasizes the importance of keeping a steady financial plan.

Marshal discusses: 

  • Why he enjoys working with medical sales professionals and the common pain points they face
  • What he does to help newer medical sales professionals
  • The challenges faced by clients who have been in the business for 20-30 years
  • His process for working with medical sales professionals
  • A success story of how he earned the trust of a skeptical client who was hesitant to meet with a financial advisor
  • The process and meetings needed when meeting new clients
  • And more!

Book Time with David Pulcini:

Connect with David Pulcini: 

Connect with Marshal Scheidt: 

About our Guest: 

Marshal Scheidt takes a tremendous amount of pride in helping his clients envision and accomplish their goals. Whether these goals pertain to their financial lives or are personal objectives, he takes a stake in helping his clients grow and improve on many levels. 

Graduated in 2015 from SUNY Brockport where he earned a Bachelor of Science degree in Finance, as well as Business Administration with a concentration in Management.

Marshal’s business practice is focused on providing comprehensive financial planning, risk management and retirement income strategies to help individuals find success and peace of mind.

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How Does Your Advisor Get Paid? With Tom Hamilton (Ep. 59)

How Does Your Advisor Get Paid? With Tom Hamilton (Ep. 59)

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Has your financial advisor ever shared with you how they get paid? Have you ever asked?

Whether you have or haven’t, we are here to answer that question.

In this episode, David Pulcini invites the financial advisor legend of Rochester, Tom Hamilton of Hamilton Wealth Management, to the podcast to share his wisdom about the industry. We discuss the difference between fee-based and commission-based businesses.

David and Tom discuss: 

  • The difference between advisory and brokerage
  • How advisors earn commission 
  • Why commission can cause a Conflict of Interest
  • And more

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Connect with Tom Hamilton: 

About our Guest:

Tom Hamilton is a bit unique in the world of financial advisors in that he’s an engineer, having earned his Bachelor’s degree in Mechanical Engineering from RIT in 1988. 

After college, Tom spent years in the industry, working in various capacities as an engineer providing services to manufacturing companies in NY State and nationally. Having worked in the “real world” gives him a keen understanding of the effort, hard work and industriousness required to become successful in business and an appreciation for protecting what we earn. This background is what Tom brought with him when he switched careers, becoming a Financial Advisor in 1996.

Now, with 24 years of experience as a financial advisor and a background in engineering, Mr. Hamilton has a passion for working with his clients to find real solutions to their financial concerns.  He knows that each client’s situation is unique and believes in listening to their needs and working to provide solutions. As an independent financial advisor, he is free from the sales quotas, contests and top-down sales approach that have plagued the financial services industry.  Rather than employ clever sales techniques, instead, Mr. Hamilton strives to win his client’s trust through well-thought-out financial and investment plans and includes the client every step of the way.

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Creating Awareness Around Annuities (Ep. 58)

Creating Awareness Around Annuities (Ep. 58)

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What comes to mind when you think of annuities? Guarantees? Interest rates? Insurance companies?

Whatever comes to mind, we want to bring you some clarity.

In this episode, David Pulcini dives into annuities explaining what they are, how an advisor might try to sell you on annuities, and everything you should know about before committing to this type of investment. 

David discusses: 

  • The definition of annuities – what they are, the different types, and how they work
  • How financial advisors get paid when you commit to an annuity
  • What your advisor may not be telling you about this type of investment
  • And more

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Talking Taxes Part 3 with John Harms, CFP®, RICP® (Ep. 57)

Talking Taxes Part 3 with John Harms, CFP®, RICP® (Ep. 57)

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Is tax season leaving you feeling overwhelmed and unprepared?

In this episode, David Pulcini completes the three-part series on tax preparation and planning, inviting John Harms, CFP® to join the conversation. They explain the difference between tax planning and tax preparation and share crucial questions you should be asking your advisor.

David and John discuss: 

  • The software tools they use to better help them with tax planning for clients
  • Why tax planning is a key element of any financial plan
  • What you could be missing out on by overlooking tax planning 
  • And more

Resources:

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini: 

Connect with John Harms:

About our Guest: 

John’s  focus is working with clients to develop and implement personalized strategies for retirement planning, investment management, retirement income and distribution planning, education funding and life insurance protection. Through a partnership with RFG Advisory, he is able to seek out and offer only the best products or services available without conflict or compromise.

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Tax Season Preparation Part 2 (Ep. 56)

Tax Season Preparation Part 2 (Ep. 56)

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As we approach the tax season, there are some questions we get asked quite often.

In this episode, David Pulcini answers the nine most frequently asked questions about taxes, including reducing your lifetime tax bill in light of the latest tax rules and regulations. (You will also learn some fun facts at the beginning of the episode!)

David discusses: 

  • Commonly used tax credits and deductions — and why credits are preferable
  • The difference between marginal and effective tax rates
  • A massive penalty on RMDs that retirees should know about
  • The importance of planning for taxes related to inheritance
  • And more

Book Time with David Pulcini:

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

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Tax Season Preparation: Part 1 (Ep. 55)

Tax Season Preparation: Part 1 (Ep. 55)

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The holiday season has come and gone, so it’s that time of year to hunker down and get ready to file your taxes.

In this episode, David Pulcini starts a three-part series on taxes by sharing with listeners how they can gear up and get organized for tax season. Be sure to keep an eye out for the coming episodes, which will cover FAQs and tax planning for 2024.

David discusses: 

  • Basic information you should have in order that you’ll only need to organize once
  • Why having your paystub ready and available helps your accountant and advisor
  • And more

 Book Time with David Pulcini:

Connect with David Pulcini: 

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

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New Year’s Resolutions: What To Do When You Run Out of Willpower? With Dr. Karthik Ramanan (Ep. 54)

New Year’s Resolutions: What To Do When You Run Out of Willpower? With Dr. Karthik Ramanan (Ep. 54)

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Have you ever started the new year with a highly energetic “new year, new me” attitude? Have you ever jotted down multiple resolutions that lasted for only a month?

Most of us have. But 2023 could be the year you break this cycle of unsuccessful resolutions!

In this episode, David Pulcini interviews Dr. Karthik Ramanan, Wall Street broker turned emotional health mentor, about why the majority of New Year’s resolutions fail — and six steps to stick to your resolution even after you run out of willpower.

David and Dr. K discuss: 

  • Every reason to bring out your inner child and live a life with no regrets
  • The belief-action-outcome cycle that helps you turn your resolutions into a habit
  • An effective morning routine to help you connect with yourself
  • Easy tips to remove friction from your path and achieve your goals
  • And more

Resources

5 Fundamentals to Emotional Health With Dr. Karthik Ramanan (Ep. 52)

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Connect with Dr. Karthik Ramanan: 

About Dr. K: 

First, he lived the imbalance of emotional unrest for which he found and tested various ways of coping. Then he studied to become a doctor for greater understanding, applying what he learned to help others. By blending compassion and understanding with his knowledge of medicine and nature, Dr. K can help you see beyond the burnout, exhaustion or frustration you experience now and open your eyes to a world of wonder you may not know even exists.

Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment advisor. Private Client Services, Six Point Financial Partners, and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

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