Category: Retirement
20. 6 Things We Tell People In Their 20’s and 30’s with Jesse Cramer

20. 6 Things We Tell People In Their 20’s and 30’s with Jesse Cramer

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When you are in your 20s and 30s, a lot of figuring out your finances is trying to figure out where you stand—and what you need to do to achieve your goals.

In this episode, David Pulcini and Jesse Cramer share six pieces of advice tailored for people in their 20’s and 30’s to help you understand your finances. They focus on tips to help you get a better understanding of what you need to be doing now to start preparing for a better future. 

David and Jesse discuss: 

  • Why setting smart goals is one of the most important steps to achieving your aspirations
  • How to set up investments that will make you money in the future
  • The three categories of debt and which one you need to pay off now
  • How to set up a budget that works for your life
  • And more

Resources:

Connect with Jesse Cramer:

Connect with David Pulcini: 

About Jesse Cramer: 

Jesse is the founder of The Best Interest Of Financial Literacy Company. He focuses on personal finance and investing education using weekly articles and podcasts episodes. He is currently an engineer and writer living in Rochester, NY, interested in in-depth, technically-challenging engineering applications, especially those utilizing finite element analysis and Matlab. He is currently working as a Systems Engineer on optomechanical assemblies.

Coming up in the fall of 2021, he hopes to expand to teaching in the classroom in the greater Rochester schools and colleges.

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19. Everything You Need to Know About Medicare with Catherine Glenning

19. Everything You Need to Know About Medicare with Catherine Glenning

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Medicare can be there to help you pay for unexpected medical costs in the future, but oftentimes the process can be confusing, and it can be easily mixed up with other healthcare plans. 

In this episode, David Pulcini speaks with Medicare specialist Catherine Glenning to tell you everything you need to know about Medicare planning. Catherine and David set you up with the information you need to know to understand and make the most of this complex program. 

David and Catherine discuss: 

  • The different parts of Medicare
  • Different government plans that affect your Medicare eligibility and your level of coverage 
  • How you can fill the gaps in Medicare coverage
  • When you should start looking into Medicare planning
  • And more

Connect with Catherine Glenning:

Connect with David Pulcini: 

About our Guest:

Catherine Glenning has received her Medicare Certification and NYS Healthcare License to assist her clients navigate the complex Medicare rules. 

Catherine received her Bachelor of Arts degree from St. Lawrence University with a double major in Economics and History. After working on Wall Street for several years, she moved to the Czech Republic with her husband Steve and helped with the privatization after the fall of Communism. She moved back to Rochester and worked for an Investment Management firm in Client Servicing and Portfolio Administration for over 10 years.

She lives in Pittsford, NY with her husband and three children. She has been very active in several volunteer organizations, especially the Pittsford PTSA and was recognized for her commitment with a PTSA Lifetime Achievement Award. She works diligently to ensure her clients have the best medical coverage based on their needs.

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18. Medicaid Planning 301, Part 3 of Medicaid with Ken Kraus

18. Medicaid Planning 301, Part 3 of Medicaid with Ken Kraus

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Do you know the four factors you should be aware of when applying for Medicaid? They are your age, health considerations, personal finances and your own personal motivation behind applying in the first place.

In part three of this mini-series, David Pulcini and Ken Kraus look into a lot of the most common questions they are asked by people setting up their Medicaid, and help you to start planning for the future today.  

David and Ken discuss: 

  • The four factors that affect your eligibility for Medicaid in the future 
  • How giving money to your kids might affect how much you could be eligible for 
  • Why annuities can make this whole process harder than it already is
  • The three types of gifting that could affect your Medicaid 
  • And more

Resources:

Connect with David Pulcini: 

About our Guest: Kenneth R. Kraus is a partner of the firm Evans Fox, and a graduate of the SUNY at Buffalo Law School and a graduate of Canisius College in Buffalo, New York. Ken is an active member of the Trust and Estates and Elder Law Sections of the New York State and Monroe County Bar Associations, the Estate Planning Council of Rochester, NY, and the National Academy of Elder Law Attorneys, Inc. 

Ken works with families to help them understand the complexities of long-term care financing, including Medicare, Medicaid, home care and nursing home planning. Ken helps individuals and families prepare their estate plan, including Wills, asset protection Trusts, Supplemental Needs Trusts (SNTs), Powers of Attorney and Health Care Proxies. He also assists with the probate process including the preparation of income, fiduciary, gift and estate tax returns and the sale of real estate.

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17. The Importance of Proper Medicaid Planning With Ken Kraus — Part 2

17. The Importance of Proper Medicaid Planning With Ken Kraus — Part 2

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As we get older, the realities of what it takes to plan for long-term care sets in. But as people start to realize how complicated the process can be, they wait too long and run out of time. This leads to difficulties trying to secure the funding they need for their loved ones or themselves.

In part two of this mini-series, David Pulcini and attorney Ken Kraus continue their discussion about Medicaid and long-term care planning. David and Ken take a closer look at exactly what you should be doing to proactively protect your assets and ensure your loved ones get the care they need.

David and Ken discuss: 

  • Understanding the often complicated eligibility rules when applying for Medicaid and long-term care
  • The initial three steps you might not know about when it comes to Medicaid planning 
  • The difference between your exposed and exempt assets, and how that is key to finding out what exactly is protected 
  • A quick look into what the Medicaid application process looks like
  • And more

Resources:

Connect with David Pulcini: 

About our Guest: Kenneth R. Kraus is a partner of the firm Evans Fox, and a graduate of the SUNY at Buffalo Law School and a graduate of Canisius College in Buffalo, New York. Ken is an active member of the Trust and Estates and Elder Law Sections of the New York State and Monroe County Bar Associations, the Estate Planning Council of Rochester, NY, and the National Academy of Elder Law Attorneys, Inc. 

Ken works with families to help them understand the complexities of long-term care financing, including Medicare, Medicaid, home care and nursing home planning. Ken helps individuals and families prepare their estate plan, including Wills, asset protection Trusts, Supplemental Needs Trusts (SNTs), Powers of Attorney and Health Care Proxies. He also assists with the probate process including the preparation of income, fiduciary, gift and estate tax returns and the sale of real estate.

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Episode 16: The Importance of Proper Medicaid Planning With Ken Kraus — Part 1

Episode 16: The Importance of Proper Medicaid Planning With Ken Kraus — Part 1

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Now more than ever, people are concerned about their financial health and wellness, and whether they will be protected if an unexpected crisis should occur. But for many, understanding the Medicaid eligibility rules can be even more complicated. 

In part one of this mini-series, David Pulcini speaks with attorney Ken Kraus about the importance of proper Medicaid planning. David and Ken walk you through some of the initial steps you need to take to ensure your financial safety in the event of a crisis.

David and Ken discuss: 

  • What Medicaid is and how an attorney can help you with the benefits
  • What you can do to protect your assets from unexpected costs that come with crises
  • The difference between reactive and proactive planning
  • The importance of proper financial planning when it comes to applying for Medicaid
  • And so more valuable information you need to know! 

Resources:

 Connect with David Pulcini: 

About our Guest: Kenneth R. Kraus is a partner of the firm Evans Fox, and a graduate of the SUNY at Buffalo Law School and a graduate of Canisius College in Buffalo, New York. Ken is an active member of the Trust and Estates and Elder Law Sections of the New York State and Monroe County Bar Associations, the Estate Planning Council of Rochester, NY, and the National Academy of Elder Law Attorneys, Inc. 

Ken works with families to help them understand the complexities of long-term care financing, including Medicare, Medicaid, home care and nursing home planning. Ken helps individuals and families prepare their estate plan, including Wills, asset protection Trusts, Supplemental Needs Trusts (SNTs), Powers of Attorney and Health Care Proxies. He also assists with the probate process including the preparation of income, fiduciary, gift and estate tax returns and the sale of real estate.

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Episode 15: The Ultimate Guide to 403(b) Plans — With Matt Drummond

Episode 15: The Ultimate Guide to 403(b) Plans — With Matt Drummond

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What is a 403(b) plan and how does it work?

Find out with David Pulcini and guest Matt Drummond, national sales director at PCS Retirement, LLC, as they answer your questions and concerns about 403(b) plans and share the most common mistakes their clients make when planning for retirement!

In this episode, you’ll learn:

  • The answers to your commonly asked questions about 403(b) plans
  • Common mistakes clients make in 403(b) plans
  • Potential 403(b) plan horror stories
  • Trends and shifts in 403(b) plans
  • And more!

Tune in to discover more about 403(b) planning today!

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Connect with Matt Drummond on Linkedin | Matt’s Email

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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Episode 14: The Importance of Estate Planning — With Attorney Jerry Antetomaso

Episode 14: The Importance of Estate Planning — With Attorney Jerry Antetomaso

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Why is estate planning such an important part of your overall financial plan?

In this episode, David Pulcini speaks with Jerry Antetomaso, partner and attorney at Evans Fox LLP, about the value of estate planning. Jerry shares what estate planning really entails, and describes a couple horror stories you won’t be able to forget.

You’ll learn:

  • Why it’s so important that you have estate plan in place
  • The details of a couple of estate planning horror stories and lessons 
  • What the estate planning process looks like with attorney Jerry Antetomaso
  • And more!

Tune in today to learn about the importance of estate planning as a part of your overall financial plan!

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Evans Fox LLP: (585) 787-7000 | Connect With Jerry Antetomaso on Linkedin | Email Jerry | Episode 8: Think You Don’t Need a Financial Advisor? Here’s Why You Better Think Again

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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Episode 13: Avoid These Mistakes That Could Cost You Millions of Dollars

Episode 13: Avoid These Mistakes That Could Cost You Millions of Dollars

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Your financial mistakes may be costing you a fortune when you’re not even aware of it.

In this episode, David Pulcini reveals real-life stories, situations, and insight he’s gathered by working with clients that have lost millions of dollars making the same eight mistakes you are currently making today. 

In this episode, you’ll learn:

  • The eight mistakes you may be making that can cost you a fortune
  • Why guarantees are not cash value
  • Why you should reconsider naming your child as your beneficiary when they’re a minor
  • And more!

Listen in to hear some of the financial mistakes that you’re making now that will cost you millions! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners 

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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Episode 12: Keys To Successful Investing With a Portfolio Manager — With Guest Peter Andersen

Episode 12: Keys To Successful Investing With a Portfolio Manager — With Guest Peter Andersen

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When most people think of financial advisors, they think of investing, and that’s correct; an advisor’s job is to assist with the investing of their clients’ accounts and to ensure that those investments are in line with the clients’ objectives.

But many times, financial advisors turn to professional asset managers to help with their investing decisions. These are the people who keep a close eye on the markets and ideally, pick the best stocks to invest in. 

Today, David Pulcini talks to Peter Andersen, founder of Andersen Capital Management. Peter has managed money for a range of clients since 1993, including managing various mutual funds, writing for Forbes Magazine, and making regular appearances on CNBC and Fox Business. Together, Peter and David discuss the importance of choosing financial advisors and fund managers that help ensure that your investments match your ideal goals. 

In this episode, you’ll learn:

  • What Peter Andersen does, and how he makes money from managing your stocks
  • Peter Andersen’s process in choosing a stock and the “themes” he invests in
  • Peter Andersen’s view on Bitcoin
  • About the Weather Mark Equity Strategy
  • Where Peter Andersen sees the S&P 500 by the end of 2021
  • And more!

Now is your chance to learn more about professional asset managers and their role in helping you achieve your investment objectives. Tune in today! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Andersen Capital Management, LLC | Connect with Peter on Linkedin | Follow Peter on Twitter

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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Episode 11: How to Make the Most of Your Pension

Episode 11: How to Make the Most of Your Pension

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While pensions may not be as prevalent as they once were, if you have one, you probably want to make the most of what you’re getting from it. After all, your pension will be one of the biggest decisions you’ll ever have to make, and you want to make sure you get it right.

That’s why, today, David Pulcini sits down to dive into the world of pensions and what you need to know to take yours in a way that will benefit you. He explains what a pension is, how it differs from a 401(k) and 403(b), and how to avoid common pension mistakes.

In this episode, you’ll learn:

  • Why the pension landscape is changing
  • What you need to consider when taking your pension 
  • How pensions are typically calculated 
  • Ways your pension can fit into your retirement picture
  • And more!

Tune in today for your crash-course on pensions! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners  | Rochester Regional Health Pension and Defined Benefit Plan Class Video | NYS Teacher/Employee Pension Video

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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