Tag: Financial Advisors
5 Fundamentals to Emotional Health With Dr. Karthik Ramanan (Ep. 52)

5 Fundamentals to Emotional Health With Dr. Karthik Ramanan (Ep. 52)

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What comes to mind when you think of health? Eating your greens? Exercise?

Now, what comes to mind when you think of mental health? Therapists? Illnesses?

In this episode, David Pulcini interviews Dr. Karthik Ramanan, Wall Street broker turned emotional health mentor, to share more about reinventing yourself after retirement. Dr. K also shares the five things everyone should practice in order to maintain your emotional health and well-being.

David and Dr. K discuss: 

  • Dr. Ramanan’s journey from success on Wall Street to taking on medical school in Arizona in his 30s
  • How he reinvented himself to become the person he has always wanted to be
  • The importance of taking care of yourself and your needs to avoid burnout and procrastination
  • And more

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About Dr. K: 

First, he lived the imbalance of emotional unrest for which he found and tested various coping methods. Then he studied to become a doctor for greater understanding, applying what he learned to help others. By blending compassion and understanding with his knowledge of medicine and nature, Dr. K can help you see beyond the burnout, exhaustion or frustration you experience now and open your eyes to a world of wonder you may not know even exists.

 

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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6 Points To Consider Before Your 2023 Retirement With Joe Prestigiacomo (Ep. 51)

6 Points To Consider Before Your 2023 Retirement With Joe Prestigiacomo (Ep. 51)

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Summary:

Whether you plan to retire in 2023 or shortly after that, make sure your retirement plan provides for all your needs.

In this episode, David Pulcini discusses 6 points people approaching retirement should consider in 2023 with Joe Prestigiacomo, CFP®. David and Joe explain how retirees can determine how much money they will need and where they can source their income. Joe talks about how inflation, social security, and retirement contribution limit changes will affect how much money retirees will need. They conclude the episode with a discussion about the emotional side of retirement and a brief recap of the 6 points to consider before retiring in 2023.

Joe discusses: 

  • How much money you need to retire and where it will come from
  • Why inflation is the word of 2022
  • The increases in inflation, social security, and retirement contribution limits
  • Why healthcare is the most Googled term for people heading into retirement
  • The emotional side of retirement
  • And more

Resources:

Book Time with David Pulcini:

Connect with David Pulcini: 

Connect with Joe Prestigiacomo:

About our Guest: 

Joe Prestigiacomo, CFP® is a partner at SixPoint Financial. Joe began his career in the financial services industry in 2012. Today, he provides comprehensive financial guidance to his clients. Joe focuses on developing retirement income strategies and personalized risk management assessments and solutions. Along with his knowledge and experience, Joe prides himself on developing a deep understanding of his clients’ individual situations, and his ability to help them make well-informed financial decisions with confidence.

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

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

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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:

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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)

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

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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)

Financial Planning in a Digital Era (Ep. 48)

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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)

Investment Planning 101 with Rick Wedell (Ep. 47)

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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)

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

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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:

Connect with David Pulcini: 



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

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

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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)

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

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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)

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

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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:

Book Time with David Pulcini:

Connect with David Pulcini: 

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