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Getting Financially Organized — Part Six of Six Points of Financial Planning with Adam Holt (Ep. 33)

Very few people completely understand each of the assets that they hold, their value, and how they fit into their overall financial plan.

How can you and your advisor ensure that you are financially organized?

In this episode, David Pulcini speaks with Adam Holt, founder and CEO of Asset-Map about how his software helps advisors and their clients get financially organized. 

David and Adam discuss: 

  • How the Asset-Map software has simplified organization for your financial assets
  • The benefit of transparency with family members about your financial situation
  • Why you need to ensure that you have a plan for all of your assets, including investment real estate with non-family members
  • How asset maps can help to increase transparency with your financial team
  • How Asset-Map’s software can be used across various industries
  • And more

Connect With Adam Holt:

Connect with David Pulcini: 

About our Guest:

H. Adam Holt, Asset-Map’s Founder and CEO, was a financial planner frustrated by financial planning.

The long, research-packed reports he prepared for client meetings didn’t seem to engage clients or provide clarity. Adam realized that to better serve clients, he needed to help them focus on what matters most—making good financial decisions so they could reach their goals.

From that realization, Asset-Map was born. Created first as a tool used by Adam and his staff, his financial planning business became our software’s first success story as it grew by 300% revenue in three years and reached nearly $1 billion in assets in under a decade.

Today, Asset-Map is used by thousands of financial advisors across multiple currencies and languages to help families focus on what matters, make more engaged and confident decisions, and reach their financial goals.

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Estate Planning – Part Five of Six Points of Financial Planning with Neil Lyons, ESQ (Ep. 32)

Planning for the future can feel overwhelming, and knowing how to properly manage your estate in your later years can seem intimidating. 

But it doesn’t have to be a difficult process!

In this episode, David Pulcini talks to attorney Neil Lyons, ESQ, from Luhrsen Goldberg to remove the confusion and stress from estate planning. David and Neil explain why estate planning is often overlooked, but is such an important part of one’s financial wellbeing. 

David and Neil discuss: 

  • How relocation affects your estate plan
  • What can happen if you don’t address changes in your estate plan before you move states
  • Assisted living and estate planning
  • How much time it takes to make a accurate and actionable estate plan
  • What can happen when your beneficiaries don’t line up on all your documents 
  • And more

Connect with David Pulcini: 

Connect with Neil Lyons:

About our Guest: Neil Lyons, ESQ, practices extensively in the realm of estate planning, elder law, and trust and probate administration. In this arena and since 2015, he has put his legal knowledge and desire to helping others to good end, contributing more than 500 hours of pro bono legal services to Sarasota and Manatee County residents.

Neil’s good deeds have been widely recognized, including by the Sarasota County Bar Association, which in 2018 awarded him with its Distinguished Community Service Award for “his dedication to helping the cause of the defenseless and oppressed through his countless hours of pro bono legal services.” More recently, in 2019, the Florida Bar recognized this with its President’s Pro Bono Service Award. 

Neil earned his Juris Doctor degree from Stetson University College of Law in 2011. Neil earned his Bachelor of Arts Degree with a major in History from the University of South Florida in 2004. He then went on to earn his Master’s Degree in Education from the University of South Florida in 2008. 

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31. Tax Planning – Part Four of Six Points of Financial Planning

Did you know by improperly filing your taxes and not planning for potential tax return opportunities, you could be losing thousands of dollars you didn’t know you could save?

In this episode, David Pulcini explains the importance of tax planning, it’s benefits, and how to be sure you are making the right choices to benefit your future financial situation. 

David discusses: 

  • The difference between tax preparation and tax planning
  • How tax planning affects retirement income planning and the years prior of saving 
  • What questions to ask yourself as you look into tax planning and your finances
  • How to begin planning
  • Some examples of tax planning gone wrong and gone right 
  • And more


Connect with David Pulcini: 

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30. Retirement Income Planning – Part Three of Six Points of Financial Planning with John Harms CFP, RICP®

As you enter retirement, you want to be sure your wealth doesn’t outlive you. 

It’s important to ensure you have enough money to continue to live comfortably and that you have finances for any extra hurdles that might come along the way.

In this episode, David Pulcini talks to colleague John P. Harms, CFP®, RICP®, partner and investment advisor representative at Six Point Financial Partners about the third point in the series of Six Points Of Financial Planning, retirement income planning. 

David and John discuss: 

  • Where to start when planning for retirement
  • How the timing of your retirement planning will affect your income later 
  • Different aspects that can make your retirement different from anyone else’s
  • How long the process of retirement planning can take with an advisor (spoiler, it’s less than you think…) 
  • How much to allocate towards your retirement, and how to find the amount right for you
  • What comes next, once you have your plan in place
  • And more

Connect with David Pulcini: 

Connect with John Harms: 

About our Guest: John Harms is an Indiana native who started in the investment and financial services industry in 2004 with Wachovia. There, he concentrated on helping small business owners in Chicago’s Lincoln Park community with retirement planning and investment portfolio management. Upon moving to Rochester in 2007, John shifted focus to providing comprehensive financial planning, wealth management, retirement income and distribution planning advice to educators.

He truly enjoys working with his clients helping to ease their financial concerns so that they can focus on what’s most important to them in life. John is approachable and pays close attention to detail in developing solutions to provide professional service clients can depend on. 

John is a 2004 graduate of the Krannert School of Management at Purdue University – West Lafayette, IN where he earned a Bachelor of Science degree in Management with a minor in Finance. In 2015, he obtained the RICP® (Retirement Income Certified Professional) designation from the American College.

Currently enrolled in the CFP® (CERTIFIED FINANCIAL PLANNER™) Curriculum at the American College and holds Series 7, 65, 66 and NYS Life, Health & Disability Insurance


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29. Risk Management – Part Two of Six Points of Financial Planning with Eric Eveland

You never know what is going to happen tomorrow. That is why it is so important to plan ahead for whatever life might throw your way. 

One of the best ways to do that is by having a well-thought-out risk management plan, and insurance coverage to protect your money through life’s toughest obstacles. 

In this episode, David Pulcini speaks to Eric Eveland, insurance specialist and broker manager at KAFL Inc. about different forms of risk management and why it can be different for different people. David and Eric discuss how age, occupation and overall financial goals impact an individual’s risk management.

David and Eric discuss: 

  • The different stages of insurance planning 
  • The importance of disability insurance throughout your life
  • Employee coverage vs. private coverage 
  • Term insurance for temporary needs
  • Different options for long-term care and how much they might cost  
  • And more

Connect with David Pulcini: 

Connect with Eric Eveland: 

About our Guest: Eric came to KAFL in September 2012, bringing with him a wealth of knowledge in the insurance industry. Once he had completed his Bachelors Degree in Financial Planning, he began his profession in a local career agency where he learned the necessary tools which built the framework of the business he does today. Deciding that he would like to take a more consultative approach to his career; he began working as a Broker Manager at KAFL, supporting advisors and agents with designing, marketing and implementing wealth transfer strategies.

His desire for knowledge and his passion for growth has made him an innovative team member and a valuable asset to KAFL. 


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28. Investment Planning – Part One of Six Points of Financial Planning with Kevin Simpson

Yield enhancing covered calling, risk adjusted returns, equity portfolios—most advisors understand these topics, but the average investor may not know what these are and how they could be a strong addition to their portfolio.

In this episode, David Pulcini sits down with Kevin Simpson, founder & chief investment officer of Capital Wealth Planning, to talk about the more complicated side of the stock market. They do so in a way that advisors and investors alike will understand and share new strategies to make the most of your money. 

David and Kevin discuss: 

  • Institutional money management and risk adjusted returns
  • Kevin’s strategies and advice when it comes to the stock market  
  • How Kevin got into this type of fund management 
  • Capital Wealth Planning’s ideal client 
  • Kevin’s opinion on crypto markets 
  • And more


Connect with David Pulcini: 

Connect with Kevin Simpson: 

About our Guest: Kevin Simpson has been the Portfolio Manager of Capital Wealth Planning, LLC since establishing the firm in 2005. Originally from Philadelphia, Pennsylvania, Kevin has been investing in options since he began his career at W.H. Newbold’s Son & Co. in 1992. After his time at W.H. Newbold’s Son & Co, Kevin spent 7 years with Wheat First Butcher Singer (Subsequently Wells Fargo) where he helped institutions and high-net worth individuals plan and achieve their financial goals through option centered strategies.

Following his time at Wheat First Butcher Singer, Kevin spent several years at Sterling Financial before establishing Capital Wealth Planning. Over the years, Kevin has developed a strategy that aligns CWP as an institutional management firm offering separately managed ETF and Equity portfolios that are complemented with a yield enhancing covered call strategy.

A graduate of The George Washington University majoring in Finance, Kevin applies institutional investment management strategies to diversified equity and option portfolios.

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27. Understanding Your Retirement From a Public School View with Marshal Scheidt

Navigating through pension options, IRAs, 403(b)s, and insurance plans can be overwhelming, and for many, the hardest part of retiring– especially for those working in the public school system. 

In this episode, David Pulcini speaks with Marshal Scheidt, partner at Six Point Financial Partners, to talk about retirement for public school employees, with lessons and mistakes that can be applied for both public school employees and everyone else planning for retirement.  

David and Marshal discuss: 

  • Retirement planning for public school employees 
  • Common mistakes clients make with their pensions 
  • Understanding how to make your 403(b) work for you
  • Why retirement incentives might be costing you thousands if you’re not ready to retire
  • A look into how your tax bracket can affect your retirement 
  • And more

Connect with Marshal Scheidt:

Connect with David Pulcini: 

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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26. What’s Going on in the Real Estate Market with Angelo Prestigiacomo

The past year has seen many ups and downs and the housing market is no exception. Navigating this quickly changing market can be challenging if you don’t know what to expect. 

In this episode, David Pulcini sits down with Angelo Prestigiacomo, owner of Blue Arrow Real Estate, who has helped a tremendous number of people buy and sell their homes successfully. Angelo breaks down the current state of the housing market, and shares some advice that benefits both buyer and seller during one of the biggest transitions a person makes. 

David and Angelo discuss: 

  • How to take advantage of current opportunities to buy a house during this market
  • Mistakes Angelo commonly sees from both buyers and sellers
  • What is behind “no inspections” when viewing a house
  • Where are people going after they sell  
  • And more

Connect with Angelo Prestigiacomo:

Connect with David Pulcini: 

About our Guest: Angelo Prestigiacomo graduated Athena High School in 2004, and went on to study Business Management at Monroe Community College earning his B.B.A. After that he worked for Howard Hanna Real Estate Services and Nothnagle realtors until August of 2020 when Angelo opened his own company Blue Arrow Real Estate. 

They are a group of experienced, licensed real estate agents with a mission to provide the highest quality service to homeowners and homebuyers alike. Their approach is focused and intentional. The team is professional, accomplished, and driven. And the results speak for themselves.

Their vision is to provide the highest level of service to homeowners and homebuyers alike, while carving out a place in the Rochester, NY / Finger Lakes Region real estate marketplace for accomplished, licensed real estate salespeople to belong and advance.


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25. Unlocking Your Potential and Pursuing Your Maximum Success With Jim Harshaw, Jr.

Jim Harshaw Jr., has impacted thousands of lives around the world with his advice to help people focus on and dominate the four main areas of their lives. He has helped people achieve the success they thought was impossible, and encourages his clients to increase their resilience, maximize their potential and always continue to fight harder. 

In this episode, David Pulcini talks to Jim Harshaw Jr., who is a personal performance coach to Olympic athletes, millionaires, CEOs, and many more of the world’s most successful people. Jim shares some of the advice he gives to his clients to help them understand their goals and find the successful path to pursuing their biggest dreams. 

David and Jim discuss: 

  • Jim’s experience as a coach and how he found that career path 
  • How micro goals can help you to accomplish your ultimate goal
  • How to overcome to the fear of failure and mitigate risk
  • How the “productive pause” helps many of the world’s most successful people, and how you can incorporate it into your life
  • And more


Connect with David Pulcini: 

Connect with Jim Harshaw, Jr:

About our Guest: Jim Harshaw Jr is a Personal Performance Coach and Executive Life Coach who helps people create the systems, habits, and routines of elite performers through his exclusive program called Reveal Your Path. Jim Harshaw has learned many life lessons on the wrestling mat. Having won three ACC Championships for the University of Virginia, trained at the Olympic Training Center and competed overseas for Team USA he has experienced significant triumph and devastating defeat. He shares those powerful lessons of failure, struggle and setback to empower his audiences to overcome their own challenges and achieve success despite their inevitable failures.

At the Virginia Athletics Foundation (VAF), Jim works with donors to connect them to the University of Virginia in ways that are meaningful to them. Jim’s is responsible for raising millions of dollars to fund scholarships, capital projects and endowments for consistently one of the top Division I college athletics programs in the nation.

Jim has consulted with businesses, nonprofits and athletic programs nationwide in regards to marketing, fundraising, lead generation, communications, and brand building. He has presented at over a dozen state and national conventions on the topics of fundraising, donor relations and marketing.


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

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


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.