Category: Retirement

Nailing Your Niche w/ Nick Savas

Nailing Your Niche w/ Nick Savas

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đź’Ľ Maximizing Financial Success for Sales Professionals đź’Ľ

In this episode of Dear Rochester, Retire Well, Dave Pulcini sits down with Nick Savas, CFP®, from Six Point Financial Partners, to discuss how high-income earners in sales can achieve financial success. Nick shares his proven strategies for managing variable income, planning for windfalls, and avoiding financial pitfalls like overspending.

Whether you’re just starting to make money in sales or you’re a seasoned professional earning six figures or more, this episode provides actionable insights to help you save, invest, and secure your financial future. Learn about automating savings, prioritizing goals, and tailoring strategies to your income fluctuations.

🎙 Highlights of the Episode:

  • How to manage variable income and large commission checks.
  • Automating your finances to avoid overspending.
  • Building a long-term financial plan for sustained success.
  • Real-life advice for navigating new income levels.

đź”— Connect with Us:

Don’t forget to like, comment, and subscribe for more expert financial insights. Share this episode with your network to help others master their financial goals!

 

#FinancialPlanning, #SalesSuccess, #WealthManagement, #HighIncomeEarners, #FinancialAdvisor, #MoneyManagement, #RetirementPlanning, #CommissionIncome, #InvestmentStrategies, #FinancialFreedom, #DavePulcini, #NickSavas, #SixPointFinancial, #PersonalFinance, #TaxPlanning, #MoneyTips, #WealthBuilding, #SalesProfessionals, #Budgeting, #FinancialSuccess

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Building a Legacy: Integrating Philanthropy into Financial Planning

Building a Legacy: Integrating Philanthropy into Financial Planning

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🎙 Philanthropy and Financial Planning with Darrell Bell | Dear Rochester, Retire Well Podcast

In this episode, we sit down with Darrell Bell, Vice President for Institutional Advancement at Nazareth University, to discuss the power of philanthropy and how anyone, regardless of wealth, can make a meaningful impact. From Darrell’s early days making cold calls to ask for donations, to now raising millions for education, he shares valuable insights into strategic giving, building a legacy, and fostering community impact.

Topics Covered:

  • How to align your passions with your giving
  • The tax benefits of charitable contributions
  • The importance of building long-term impact through endowments
  • Darrell’s journey from higher education to launching his own philanthropic advisory service

đź’ˇ Whether you’re interested in making a difference in your community or looking for ways to incorporate giving into your financial plan, this episode is packed with practical advice and inspirational stories.

🚨 New episodes drop every week! Don’t forget to subscribe for more expert advice on financial planning, retirement, and building wealth with purpose.

🔔 Timestamps: 00:00 – Introduction: From Pittsburgh to Philanthropy 04:00 – Navigating Higher Education and Fundraising 10:30 – How to Ask for a Million Dollars: The Process Explained 15:50 – Aligning Passion with Philanthropy: Building Your Giving Plan 20:45 – NFL Contracts and Philanthropy: What Players Need to Know 30:00 – Planning for the Future: How Endowments Work

👉 Connect with Darrell Bell: LinkedIn: Darrell Bell Website: TrustSiempre.com

🎧 Listen on the go! Available on all major podcast platforms.

#Philanthropy #FinancialPlanning #DearRochesterRetireWell #NazarethUniversity #Endowments #CharitableGiving #LegacyBuilding #WealthManagement

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Investing Smarter in an Election Year w/ John Harms

Investing Smarter in an Election Year w/ John Harms

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Title: Investing Smarter in an Election Year | Insights with SixPoint CIO John Harms, CFP.

Description:

In this episode of Dear Rochester, Retire Well, host Dave Pulcini sits down with John Harms, Chief Investment Officer at SixPoint Financial Partners, to discuss the complexities of investing during an election year. With political uncertainty often leading to market volatility, John shares his expert insights on how to navigate these turbulent times and make informed investment decisions.

Whether you’re a seasoned investor or just starting out, this conversation covers essential strategies to protect and grow your portfolio in an unpredictable market. John delves into the importance of diversification, understanding market cycles, and avoiding common pitfalls driven by emotional decision-making. Tune in to learn how to keep your investment strategy on track, no matter the political climate.

Timestamps: 0:00 – Introduction 1:30 – The impact of elections on market behavior 5:45 – Key strategies for maintaining portfolio stability 10:20 – Common mistakes investors make during election years 15:00 – The role of diversification in uncertain markets 20:15 – How to stay focused on long-term goals

đź”” Don’t forget to subscribe and hit the notification bell for more insightful episodes on financial planning, investing, and retirement strategies.

Connect with Us:

  • Website: SixPoint Financial Partners
  • LinkedIn: SixPoint Financial PartnersDisclaimer:The information provided in this podcast is for educational purposes only and does not constitute financial advice. Always consult with a qualified financial advisor before making any investment decisions.

#Investing #ElectionYear #FinancialPlanning #Retirement #PortfolioManagement #MarketVolatility #SixPointFinancial

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Unexpected Retirement Challenges and Solutions w/ Lisa Sanchez (EP. 83)

Unexpected Retirement Challenges and Solutions w/ Lisa Sanchez (EP. 83)

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After dedicating 33 years to the education system as a middle school teacher, Lisa Sanchez retired from her career. Having meticulously prepared for her retirement over many years, she anticipated that things would go smoothly when she retired.

However, life took an unexpected turn when she found herself responsible for taking charge of her 94-year-old aunt, who had a mental health condition. In this episode, Lisa recounts the challenges she encountered while trying to investigate her aunt’s possessions and determining her eligibility for assistance.

Discover what Lisa had to deal with when she took charge of her aunt’s situation and the duration it took her to streamline her aunt’s finances. Additionally, Lisa reveals why she took it upon herself to take charge of her aunt’s situation and shares her perspective on aging.

Gain valuable insights as Lisa discusses the changes you should consider making as you age, such as downsizing your house, ensuring you have an updated will, and having a healthcare proxy. Moreover, she advocates consolidating all your important information onto one page: bank accounts, investments, insurance policies, contact details of your attorney, and the person who handles your taxes. This ensures that your family will have easy access to all necessary information in the event of your passing.

 

Watch The Full Episode on Youtube: https://youtu.be/5J0re1RXTf0

 

During this episode, you will learn about:

[01:27] Introducing today’s guest, Lisa Sanchez 

[02:21] What Lisa was doing before retirement and how she transitioned into retirement

[03:34] Her aunt’s mental health story

[06:55] The challenges Lisa encountered while attempting to investigate her aunt’s possessions and determine what she qualified for

[09:54] What Lisa had to deal with when she took charge of her aunt’s situation and the duration it took her to streamline her aunt’s finances

[12:04] What does SixPoint mean?

Website: https://sixpointfp.com/

[15:53] Why Lisa took it upon herself to take charge of her aunt’s situation

[17:37] Lisa’s perspective on aging

[19:05] https://sixpointfp.com/

[19:55] What changes could Lisa have made to prepare for this situation if she could go back 5 to 10 years?

[23:07] Action item for the listeners

 

Key Takeaways:

  • As a person ages, regardless of who they are, there should be some dignity in the aging process. [17:37]  
  • As you age, it’s essential to consider living in a situation appropriate for your age. Downsizing your home is a wise move since your children may not be interested in some of your belongings. [20:11]
  • Get everything on one page: Bank accounts, investments, insurance policies, the contact details of your attorney, and the person who does your taxes. This ensures that in the event of your passing, your family will have easy access to all necessary details. [22:40]

 

Book Time with David Pulcini:

 

Connect with David Pulcini:

• Facebook: SixPoint Financial

View The Full Episode Transcript Here

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3 Simple Strategies to Make WAY More Money (EP. 82)

3 Simple Strategies to Make WAY More Money (EP. 82)

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Are you tired of feeling stuck at the same financial level? This is a common experience for both employees whose salaries seem stagnant and entrepreneurs with a limiting mindset who hold themselves back from growth.

In this episode, David Pulcini explores three simple strategies for making more money and building wealth. He highlights the power of passive income, shares examples of passive income streams, and illustrates how these avenues can pave the way to a more secure financial future.

Moreover, David underscores the pivotal role of investing in oneself. Whether you’re feeling stuck in your career or seeking avenues for personal growth, nurturing your skills and knowledge can open doors to higher earnings and fulfillment. He stresses the value of expertise in driving income growth, highlighting that becoming an expert in your field can significantly impact your earning potential.

Tune in to discover more insights on how to break free from stagnation and propel yourself towards greater financial success.

 

Watch The Full Episode on Youtube: https://youtu.be/H_OF-5wVQtI

 

During this episode, you will learn about:

[01:26] Today’s theme: How you can make more money

[01:53] The target audience for this episode

[04:04] What makes David the voice of authority in this topic?

[05:14] 3 Ways to make more money

[05:25] #1 Passive income 

[05:44] Examples of passive income streams

[07:54] Why passive income is important

[10:27] The role that time in the markets and good habits play in driving wealth

[11:46] What does SixPoint mean?

Website: https://sixpointfp.com/

[12:10] #2 Invest in yourself 

[14:10] What you should do if you’re an employee who feels stuck

[16:06] https://sixpointfp.com/

[16:26] #3 Become an entrepreneur

[18:42] Powerful sales tip

[21:36] Final words 

 

Key Takeaways:  

  • Spending less than what you earn and investing consistently leads to wealth. [03:56]
  • Passive income helps you stop trading your most valuable asset, time, for money. [07:00] 
  • Don’t be hard on yourself because someone else has something you think you want; you never know how they got it. [10:18] 
  • Building wealth relies on two things: consistent good habits and time invested in the markets. [10:27]
  • If you want to earn more money, become an expert in what you already do or want to do. [13:09] 
  • The majority of the wealthiest individuals are either business owners or have been in the past. [16:54] 
  • “Money is made in sales.” ~David Pulcini [18:17]

Book Time with David Pulcini:

Connect with David Pulcini:

View The Full Episode Transcript Here

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How to Choose A Financial Advisor (EP. 77)

How to Choose A Financial Advisor (EP. 77)

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Choosing a financial advisor is a crucial decision that requires careful consideration since it involves entrusting someone with your financial future. Before making this choice, it is essential to have a clear understanding of your financial needs and goals, as these factors will determine the type of advisor best suited for you.

The ideal financial advisor should not merely be a service provider but rather a dedicated partner in your financial journey, someone with whom you feel a sense of comfort and confidence in their ability to manage your money effectively.

In today’s episode, David Pulcini unveils the key considerations before embarking on the journey of selecting a financial advisor. He also provides valuable insights into the kind of advisor that fits you best.

Furthermore, David shares a list of 14 questions that listeners should ask any potential financial advisor. These questions range from exploring the advisor’s unique approach to retirement planning to understanding how they tailor strategies to meet individual client needs.

Lastly, he outlines a four-step guide to assist listeners in making an informed decision when choosing a financial advisor and reveals why opting for an advisor from a large firm might not be the most suitable choice. 

Watch The Full Episode on Youtube: https://youtu.be/mYtMH8gyhS8

 

During this episode, you will learn about:

[00:38] What’s in for you in today’s episode: How to choose a financial advisor 

[01:23] What you need to do before selecting a Financial Advisor

[03:35] https://sixpointfp.com/

[03:52] What kind of financial advisor should you look for?

[06:32] 14 questions you should ask any financial advisor

[09:28] What does SixPoint mean?

Website: https://sixpointfp.com/

[10:01] 4 steps to help you when choosing a financial advisor

[11:19] Why you should not choose an advisor from a large firm

[12:56] Get in touch with with David Pulcini: https://sixpointfp.com/

Key Takeaways: 

  • Before selecting a financial advisor, you should understand your financial needs and goals. [01:22] 
  • Your needs will dictate the type of advisor best suited for you. [01:43] 
  • You need to feel comfortable and confident in your advisor’s ability to manage your money. [08:46]
  • Your financial advisor should feel like a partner in your journey, not just a service provider. [09:01]
  • Choose a financial advisor who not only has the expertise, but also aligns with your financial vision. [12:42]

 

Book Time with David Pulcini:

 

Connect with David Pulcini:

View The Full Episode Transcript Here

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Investment Takeaways From 2023 and What to Expect in 2024 with John Harms (Ep. 74)

Investment Takeaways From 2023 and What to Expect in 2024 with John Harms (Ep. 74)

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Welcome to an insightful episode featuring John Harms, Partner and Investment Advisor Representative at SixPoint Financial Partners. In this engaging conversation, John reveals what prompted him to embark on investment planning. Furthermore, he offers a thorough recap of the investments and market dynamics of 2023.

As the episode unfolds, he discusses common mistakes observed among clients throughout the year, providing valuable lessons for all investors. Gain valuable knowledge as John addresses the critical question: When is the right time to exit a stock? Uncover practical guidance on navigating stock market fluctuations and making informed decisions.

As we wrap up, John shares his insights on what investors can anticipate in the upcoming year, equipping listeners with essential information to prepare for the challenges and opportunities ahead. 

Watch The Full Episode on Youtube: https://youtu.be/c_WM6r8dmCU

During this episode, you will learn about:

[01:09] Introducing today’s guest, John Harms
[02:19] What prompted John to embark on investment planning?
[04:57] https://sixpointfp.com/
[05:35] A recap of 2023 investments and the market dynamics
[13:52] How often does he review the client’s performance?
[19:35] Mistakes John has seen from clients this year
[23:44] What is the right time to exit a stock?
[30:05] What to look forward to in 2024
[36:27] Best way to get in touch with John Harms

Website: https://sixpointfp.com/

Key Takeaways:  

  • Most of the significant positive market days occur after major market declines. [19:57]
  • One of the best times to invest more money in the market is typically when it’s down by 30% [26:12]
  • As goes January, so goes the year. [28:51]

Book Time with David Pulcini:

Connect with David Pulcini:

Connect with John Harms:

View The Full Episode Transcript Here

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Life Lessons and Financial Planning with Financial Advisor Aaron Laranetto (Ep. 73)

Life Lessons and Financial Planning with Financial Advisor Aaron Laranetto (Ep. 73)

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Financial planning transcends mere money-making; it’s about forging connections and relationships. Importantly, dedicating time to planning and investing enhances the long-term efficiency of your money.

Joining us today is Aaron Laranetto, a Wealth Manager, Temple alumni, and an independent Financial Advisor at SixPoint Financial Partners. Aaron generously reveals his path into financial services and recounts acquiring his first client.

Aaron presents a comparative analysis of working with a Brokerage Firm versus an Insurance Firm, and also explains why he chose to become an independent advisor. Aaron also pinpoints two often overlooked aspects in retirement planning.

Don’t miss out, tune in!

 

Watch The Full Episode on Youtube Here:

 

During this episode, you will learn about:

[01:18] Meet our guest: Aaron Laranetto

[01:36] Aaron’s background

[04:43] https://sixpointfp.com/

[05:33] How Aaron got into the financial services space

[08:33] How he got his first client

[11:54] Aaron’s comparative experience: Working with a Brokerage Firm vs. an Insurance Firm

[16:30] What prompted Aaron to become an independent advisor?

[19:49] Aaron’s advice to his 22-year-old self

[23:13] Who are the clients that Aaron is currently working with, and how is he assisting them?

[25:25] Where is Aaron currently located?

[27:09] The 2 common things that people often miss in their retirement plan journey

[31:02] Connect with Aaron Laranetto

Website: https://sixpointfp.com/

Email: alaranetto@sixpointfp.com

LinkedIn: https://www.linkedin.com/in/aaron-laranetto-ab87a9bb/

Key Takeaways:  

  • “Financial planning is more than just making a good living for yourself; it’s about building relationships.” ~Aaron Laranetto [20:20]
  • Having confidence in yourself and your work significantly enhances your effectiveness as an advisor.. [21:22] 
  • The more time you have to invest, the more time you will give your money to work for you. [29:14]

Book Time with David Pulcini:

Connect with David Pulcini:

Connect with Aaron Laranetto:

 

 

View The Full Episode Transcript Here

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Tailoring Success: Adrian Jules’ Journey to Becoming Rochester’s Premier Clothier with Peter Roberti (Ep. 72)

Tailoring Success: Adrian Jules’ Journey to Becoming Rochester’s Premier Clothier with Peter Roberti (Ep. 72)

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Are you tired of settling for off-the-rack clothing that doesn’t quite fit your style or personality?

In this episode, David Pulcini speaks with Peter Roberti, one of the owners of Adrian Jules Custom Clothier, a Rochester-based business specializing in custom clothing. Peter goes over the company’s history, its recent successful expansion during the COVID-19 pandemic, and the personalized service they offer. Comparing his business to financial advising, he emphasizes the importance of understanding a client’s lifestyle and preferences to create a personalized plan. As well as providing advice on growth, Peter outlines the importance of having a clear vision for business owners.

David and Peter talk about: 

  • Peter’s background and the history of Adrian Jules
  • How he managed to open a new showroom during the COVID-19 pandemic and why he did it
  • What niche Adrian Jules serves and what their process looks like
  • How Adrian Jules stands out from other clothiers
  • How the biggest challenge of the business shifted from searching for clients to searching for tailors
  • How business owners can achieve success by stepping outside of their comfort zone and regularly reassessing their business
  • Advice for business owners who may be struggling or are just starting out
  • And more

Book Time with David Pulcini:

Connect with David Pulcini: 

Connect with Peter Roberti:

About our Guest: 

Peter Roberti is a Master Tailor, Custom Clothing Designer, and co-owner of Adrian Jules Custom Clothier. Adrian Jules Ltd. has been featured in various forms of media, specifically in magazines such as Sports Illustrated, Playboy and The Robb Report. Through clothing they get to help their clients become the best version of themselves. When working with them, their clients will find that they will always be giving off the right impression to the public. They make it convenient for their clients to do all of their professional and casual shopping needs, while enhancing their lifestyle. They make the fitting process easy and simple by keeping each individual client pattern on file in their factory.

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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Are You Maximizing Your Tax Savings? with Trevor Smith (Ep. 71)

Are You Maximizing Your Tax Savings? with Trevor Smith (Ep. 71)

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In a world where financial decisions are becoming increasingly complex, understanding the nuances of tax planning has never been more critical.

In this episode, David Pulcini is joined by Trevor Smith, CPA, to talk about tax planning. Together, they go over some of the different year-end tax planning ideas that an advisor can help you with so you can pay less in taxes, now and in the future. They explore 3 of the 20  strategies for maximizing tax savings on their tax planning checklist, including Roth conversions and harvesting losses. They also touch on the backdoor Roth IRA strategy for high-income earners. 

Their conversation emphasizes the need for a financial professional who specializes in tax planning to handle complex tax matters.

David and Trevor talk about: 

  • How Trevor got into the financial services industry and what led him to tax preparation
  • The hardest part of the CPA process
  • What they do with clients’ tax returns when they receive them
  • Three of the most important parts of their tax planning checklist
  • What a Roth conversion is and how much you can convert
  • What tax loss harvesting is
  • What the “backdoor Roth IRA” is and some of the common mistakes they’ve seen people make with them
  • And more

Resources:

Book Time with David Pulcini:

Connect with David Pulcini: 

Connect with Trevor Smith:

About our Guest: 

Trevor Smith is a seasoned CPA specializing in retirement income and tax optimization. He is committed to helping clients secure their financial future. His mission is to create tailored retirement income plans while minimizing their tax liabilities, ensuring they keep more of what they’ve earned. Trevor provides personalized solutions, upholds the highest professional standards, and empowers clients with financial knowledge. He aims to start their journey towards financial freedom and a worry-free retirement. In 2017, Trevor graduated from State University of New York at Fredonia with a Bachelor of Science in Public Accountancy and Business Administration with a concentration in Finance. Trevor has an active CPA (Certified Public Accountant) license with the state of New York. In addition to his career as a CPA/Advisor, Trevor is an avid golfer and fitness enthusiast. He and his wife, Rachel, are proud season ticket holders for the Buffalo Bills, sharing unforgettable moments cheering for their team. They are also passionate supporters of the Buffalo Sabres. These experiences add a dynamic balance to Trevor’s life, and his genuine love for helping clients succeed is his driving force.

 

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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