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

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

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

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

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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

Resources:

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.

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21. 6 Things We Tell People in their 40’s

21. 6 Things We Tell People in their 40’s

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Planning for retirement in your forties can be incredibly stressful and overwhelming, which is why many people put off planning for their retirement until they no longer can. This can have financially damaging effects on the future. 

In this episode, David Pulcini covers six major points of financial planning that anyone in their forties needs to hear. These six points will help you to shape a retirement plan today that works for your future tomorrow. 

David discusses: 

  • How to determine how much you will need after retirement
  • How to take full advantage of tax breaks you might not be aware of 
  • How to know if you have the right insurance to take care of you and your family if tragedy strikes 
  • And more

Resources:

  1. “The Importance of Estate Planning — With Attorney Jerry Antetomaso”

Connect with David Pulcini: 

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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 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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