Category Archives: Money

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5 Reasons People Seek Help From Financial Advisors (Ep. 50)



The Dear Rochester, Retire Well podcast has officially released its 50th episode! 🥳

To celebrate this milestone, David Pulcini gives listeners a glimpse into his personal life in under 40 seconds and runs through five of the most common reasons people seek out the expertise of a financial advisor.

David discusses: 

  • Making the most out of your investment accounts
  • What to do with outdated insurance policies
  • Getting serious about retirement planning
  • Handling inheritances
  • Changing jobs and why your money may need to change with it

Resources:

Book Time with David Pulcini:

Connect with David Pulcini: 

Disclosures:

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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Answering FAQs with Alex Neri, CFP®, RICP® (Ep. 49)



Alex Neri, CFP®, RICP® is back on the podcast to tackle some of clients’ most frequently asked questions. 

In this episode, David and Alex provide insight and answers to questions they get the most from clients. They use examples that may apply to you and your finances, now or in the coming years. 

David and Alex answer these FAQs: 

  • Should I change my investments with the market the way that it is?
  • Where do I put my money if I’m looking to earn higher interest?
  • Can I still retire in these market conditions?
  • Should I pay off my mortgage?
  • And more

Connect with Alex Neri: 

Book Time with David Pulcini:

Connect with David Pulcini: 

About our Guest: 

Alex is dedicated to helping people meet their financial goals through in-depth discussions and planning. He enjoys taking complex issues and breaking them down into simple and manageable financial goals. Alex specializes in working with individuals and families as he works to help them properly manage their retirement assets, develop risk mitigation strategies and uncover and resolve portfolio inefficiencies.


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Financial Planning in a Digital Era (Ep. 48)



With the rise of the internet and social media, financial advice has never been easier to find but there is such a thing as too much advice.

It’s hard to know what’s best for your money and you don’t want to make a mistake that could cost you dearly in the future.

In this episode, David Pulcini answers the question “what do financial advisors do all day” along with the risks you’re taking by attempting a financial plan on your own. He breaks down what the process looks like for new advisors and more.

David discusses: 

  • Why too much financial advice can cloud your needs
  • The added value having an advisor has to your financial success
  • And more

Resources:

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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Investment Planning 101 with Rick Wedell (Ep. 47)



Financial planning is SixPoint Financial Partners’ specialty – we have experience in investment planning, but we’re not experts in it.

So we brought one on the podcast.

In this episode, David Pulcini has Rick Wedell, Chief Investment Officer at RFG, to talk about one of the six points – investment planning – and who better to do it than Rick? He was magna cum laude at Harvard School of business and helped build Bain Capital Credit from 14 employees and $300 million under management to $30 billion under management by the time he left.

Rick shares: 

  • What a typical day as CIO might look like for him
  • A breakdown of strategic asset allocation
  • A crash course on tax loss harvesting
  • And more

Connect with Rick:

Book Time with David Pulcini:

Connect with David Pulcini: 

About our Guest: 

As the Chief Investment Officer for RFG Advisory Group, Rick is directly responsible for the direction and management of RFG’s investment strategies, setting the vision for their research capabilities, and managing a turn-key investment platform engineered to help their advisors and their clients with their most pressing investment needs. He previously spent over a decade at Bain Capital Credit, where he was the Head of the Consumer Group as well as an assistant Portfolio Manager for an $8bn CLO business.




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6 Reasons Why You Should Only Have 1 Advisor (Ep. 46)



Teamwork is great, but you want to keep your circle as small as possible when it comes to your financial planning. You may think that having two advisors will make you more competitive, but it just makes things harder for yourself!

In this episode, David Pulcini and Marshal Scheidt share six of the many reasons why you should limit your number of financial advisors to one. David also shares the one scenario where it may make sense to have two advisors and more.

David and Marshal discuss: 

  • The six reasons why having more than one advisor is not a good idea
  • How lack of coordination in planning can hurt your financial planning
  • Different opinions can cause conflicts for your future
  • How easily miscommunications between advisors can lead to significant financial impact
  • And more

Book Time with David Pulcini:

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The 2 Sides of the Retirement Spectrum with Alex Neri, CFP®, RICP® (Ep. 45)



What happens when you’re ready to retire but not quite there financially?

In this episode, David Pulcini hosts Alex Neri, CFP®, RICP®, as they cover two of the most common scenarios they see when clients prepare for retirement. Alex talks about the different approaches to take before running out of money in your retirement years.

David and Alex discuss: 

  • A scenario in which you have done a great job at saving and retire with more than enough money
  • The opposing scenario in which you are coming up short before retirement
  • Two strategies to bridge the gap between what you can afford and the lifestyle you want
  • And more

Resources:

Connect with Alex Neri:

Book Time with David Pulcini:

Connect with David Pulcini: 

About our Guest: 

Alex is dedicated to helping people meet their financial goals through in-depth discussions and planning. I enjoy taking complex issues and breaking them down into simple and manageable financial goals. I specialize in working with individuals and families as I work to help them properly manage their retirement assets, develop risk mitigation strategies and uncover and resolve portfolio inefficiencies.




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5 Major Financial Milestones After 55 with Alex Neri, CFP®, RICP® (Ep. 44)



Between the ages of 55 and 72, you’ll face five major financial milestones. Are you prepared to take them on?

In this episode, David Pulcini hosts Alex Neri, CFP®, RICP®, to discuss the major financial milestone timeline he has developed and refined over the years. We also discuss one of people’s biggest mistakes within this 17-year timeline.

David and Alex discuss: 

  • The actual age you are eligible to take distributions from your 401(k)
  • When, in the timeline, you receive full access to funds in your 401(k) or IRA.
  • What major milestone occurs across several mini-milestones
  • Clearing the air about Medicare
  • And more

Connect with Alex Neri:

Book Time with David Pulcini:

Connect with David Pulcini: 

About our Guest: 

Alex is dedicated to helping people meet their financial goals through in-depth discussions and planning. I enjoy taking complex issues and breaking them down into simple and manageable financial goals. I specialize in working with individuals and families as I work to help them properly manage their retirement assets, develop risk mitigation strategies and uncover and resolve portfolio inefficiencies.

 


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The First Steps To Working with a Financial Advisor (Ep. 43)



Finding a financial advisor can be intimidating, and often there is confusion about what you should really expect in the first meeting with a prospective new advisor. 

In this episode, David Pulcini answers your questions about the process of finding an advisor, and meeting one, and how to tell if that particular advisor and their firm are right for you. 

David discusses: 

  • What to avoid when first meeting with an advisor 
  • What your first meeting should look like
  • How you should feel while first meeting your prospective advisor 
  • What Six Point Financial can do for you if you are looking for a new advisor 
  • And more

Resources:

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Keeping You Covered – Handling Personal Injury Claims and Coverage with Christina A. Goldberg (Ep.42)



There’s a saying, “You don’t know you need it until it’s too late.”

That could not be more true than when it comes to handling personal injury claims and coverage. Don’t leave yourself unprotected when the unexpected happens.

In this episode, David Pulcini sits down with Christina A. Goldberg, ESQ, Shareholder and Attorney at Luhrsen and Goldberg, and Co-Founder of Law Power By Women to talk about everything you didn’t know, but need to know about the legal field of personal injury. 

David and Christina discuss: 

  • What Christina handles in her practice 
  • How far back you can go to claim a injury and when you should start your claim 
  • The process Christina and her firm go through when a client reaches out to them for legal help 
  • The truth behind “We don’t get paid unless you get paid”
  • What to expect after filing a personal injury claim
  • Common mistakes people make when it comes to handling their own personal injury coverage 
  • And more

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini: 

Connect with Christina Goldberg:

About our Guest: Christina focuses her practice primarily upon Plaintiff’s Personal Injury, which encompasses, but is not limited to, car crashes, slip/trip-and-fall accidents, motorcycle accidents, catastrophic injuries, wrongful death, homeowner negligence, and other negligent injury claims.  Christina also handles Personal Injury Protection (PIP) Litigation on behalf of doctors who have been unfairly denied payment by insurance carriers, and has also represented those who are disabled in Social Security Disability cases.  

Christina has a long history of success in firm management and production.  Prior to founding Luhrsen Goldberg, LLC with her partner, Julie S. Luhrsen, Esq., with whom Christina has reunited after the pair met and worked together from 2007 to 2009, Christina was the Managing Shareholder of the Law Offices of Barak & Goldberg, P.A..  In 2010, although a Plaintiff’s lawyer at heart, Christina was offered the opportunity to open, organize, and oversee the fourth statewide office for a very well-known Florida insurance defense firm. Two years later, having obtained very valuable insight into how, exactly, “big insurance” views the claims made by its insureds, Christina followed her heart and her talents back to Plaintiff’s work, representing individual victims of others’ negligence.

Christina earned her Juris Doctor degree from Stetson University College of Law in 2007, graduating in the top third of her class. While at Stetson, she served and competed in national competitions as a member of Stetson’s nationally ranked Alternate Dispute Resolution Board, and additionally served as a Teaching Fellow, a distinguished position only bestowed upon those students with an exhibited mastery of legal writing and research skills. Christina is licensed to practice before all Florida State Courts, Florida’s Second District Court of Appeals, is a Certified County Court Mediator, a Sarasota County Guardian ad Litem, holds memberships with the local Sarasota and Manatee County Bar Associations, is a Board Member of The Mark Wandall Foundation and is a member of the Florida Justice Association. She also previously served as an Advisory Board Member of the Lakewood Ranch YMCA.

Christina was born and raised in Sarasota and currently lives in the Lakewood Ranch area. She is the proud parent of one son.




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Revealing the Unexpected and Unexplained While Working With a Financial Advisor with Matt Halloran, Podcasting Expert, CRO, & Co-Founder of ProudMouth (Ep.41)



Trying to navigate the financial world can be extremely challenging.

Because of this, a lot of people turn to financial advisors for help with reaching their financial goals. But what should you expect while working with an advisor?

In this episode, David Pulcini sits down with Matt Halloran, CRO and co-founder of ProudMouth, to talk about the benefits of working with an advisor you trust, the importance of proactive communication with clients, and the four things a client should expect from their advisor.

David and Matt discuss:

  • Matt’s background in podcasting and in the financial industry
  • The problem with the public’s perception of financial advisors (and why it needs to be corrected)
  • How often you should actually expect to hear from your advisor
  • Different types of communication advisors can use to reach their clients
  • Podcasting listening tips and why Matt sees so many advisors have success when they incorporate podcasting into their company
  • And more

Resources:

LinkedIn: Kirk Lowe

Book Time with David Pulcini:

Schedule a Call

Connect with David Pulcini:

Connect with Matt Halloran:

About our Guest: Matt got started in the financial services industry 20 years ago as a certified life and business coach. As he became immersed in his client’s biggest needs, he built his knowledge and expertise as a financial branding and social media expert.  More recently, Matt has added podcasting to that list.

Matt’s first book, “The Social Media Handbook for Financial Advisors,” available on Amazon, was a big hit. He’s been leading the social wave in financial services for years – teaching top advisors how to be human in an oftentimes inhuman industry. His second book, “99 Best Ideas”, was an Amazon bestseller filled with marketing ideas.

Matt has served in the Navy, is a trained therapist, been a radio host, and worked as a financial professional in his list of accomplishments. Matt’s breadth of hands-on experience positions him superbly to help financial professionals build the marketing side of their practices.