Tag: Investing
How Much Money Is Enough To Retire On? (Ep. 66)

How Much Money Is Enough To Retire On? (Ep. 66)

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How much money is enough to retire comfortably?

In this episode, David Pulcini explains how you can figure out how much money is enough to retire comfortably. He outlines a simple four-step process to help you figure out your retirement number. David also mentions the 4% rule of thumb for safe withdrawals and emphasizes the importance of adjusting investments, retirement length, and withdrawal amounts based on market conditions.

David discusses: 

  • A 4-step outline for finding your retirement number
  • How to calculate your current expenses and future expenses in retirement
  • Where will your retirement income come from
  • How to fill the gap between your financial expenses and retirement income
  • What the 4% rule is
  • How to determine what amount you need in order to be able to take 4% to fill the gap
  • And more

Resources:

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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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What To Do With Money Sitting In The Bank (Ep. 64)

What To Do With Money Sitting In The Bank (Ep. 64)

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If you have money sitting in the bank, it’s likely a depreciating asset. How can you get it to stop depreciating and start accumulating?

In this episode, David Pulcini addresses a common question he gets asked, “I have cash sitting in the bank, basically earning nothing. What can I do with it?” David gives various options to suit different situations, emphasizes the urgency of cash holdings, and cautions against trying to time deposits into investment accounts.

David discusses: 

  • The history of interest rates and the current situation of low-interest rates on cash in the bank
  • The potential loss of value due to inflation rates rising
  • Why paying off debt is the first thing you should do with any cash sitting in your bank account
  • Where and when to invest your money
  • Why you need to consider the goal of your money before deciding where to invest
  • The importance of taking potential taxes into consideration
  • And more

Book Time with David Pulcini:

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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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Risk Mitigation While Investing For a Client’s Portfolio with Alexander Oxenham, CFA (Ep. 38)

Risk Mitigation While Investing For a Client’s Portfolio with Alexander Oxenham, CFA (Ep. 38)

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It’s not hard to be overwhelmed by economic news about the real estate market, interest rates, inflation and even cryptocurrency.

But which protection strategies actually work? What should you be doing to ensure you are truly mitigating your risk within your portfolio? 

In this episode, David Pulcini sits down with Alex Oxenham, CFA, partner and co-chief investment officer at Hilton Capital Management to talk about the company’s experience and practices when it comes to investing. David and Alex share why Hilton Capital Management uses the economic cycle to determine whether or not they should take more or less risks for clients’ portfolios. 

David and Alex discuss: 

  • Different strategies that the Hilton team uses when determining how much risk a client can handle in their portfolio
  • Where the markets could be heading in the next few years based on current events
  • A number of investing and stock picking tips
  • The ideal client for Hilton and the various strategies they incorporate
  • And more

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About our Guest: Alex Oxenham joined Hilton Capital in 2011 from HSBC Private Bank in New York where he was a Senior Portfolio Manager and Voting Member on the HSBC Private Bank Investment Policy Committee for the Americas region. 

Prior to HSBC, Oxenham worked in portfolio management for Mercantile Bankshares, Bankers Trust Alex Brown/Brown Advisory, and Bank of America. Oxenham holds a B.S. in International Business from the University of Maryland, an MBA in Finance from American University, and is a CFA charterholder. Oxenham is also a CFA Institute member and a member of the New York Society of Security Analysts.

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

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

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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

Resources:

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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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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:

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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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