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:Â
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What to do with outdated insurance policies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
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.
Alex Neri, CFP®, RICP® is back on the podcast to tackle some of clients’ most frequently asked questions.Â
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.Â
David and Alex answer these FAQs:Â
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?
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.
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:Â
Why too much financial advice can cloud your needs
The added value having an advisor has to your financial success
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.
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.
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.
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:Â
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
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:Â
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
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.
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:Â
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
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.
There’s a saying, “You don’t know you need it until it’s too late.”
That could not be more true than when it comes to handling personal injury claims and coverage. Don’t leave yourself unprotected when the unexpected happens.
In this episode, David Pulcini sits down with Christina A. Goldberg, ESQ, Shareholder and Attorney at Luhrsen and Goldberg, and Co-Founder of Law Power By Women to talk about everything you didn’t know, but need to know about the legal field of personal injury.Â
David and Christina discuss:Â
What Christina handles in her practiceÂ
How far back you can go to claim a injury and when you should start your claimÂ
The process Christina and her firm go through when a client reaches out to them for legal helpÂ
The truth behind “We don’t get paid unless you get paid”
What to expect after filing a personal injury claim
Common mistakes people make when it comes to handling their own personal injury coverageÂ
About our Guest: Christina focuses her practice primarily upon Plaintiff’s Personal Injury, which encompasses, but is not limited to, car crashes, slip/trip-and-fall accidents, motorcycle accidents, catastrophic injuries, wrongful death, homeowner negligence, and other negligent injury claims. Christina also handles Personal Injury Protection (PIP) Litigation on behalf of doctors who have been unfairly denied payment by insurance carriers, and has also represented those who are disabled in Social Security Disability cases. Â
Christina has a long history of success in firm management and production. Prior to founding Luhrsen Goldberg, LLC with her partner, Julie S. Luhrsen, Esq., with whom Christina has reunited after the pair met and worked together from 2007 to 2009, Christina was the Managing Shareholder of the Law Offices of Barak & Goldberg, P.A.. In 2010, although a Plaintiff’s lawyer at heart, Christina was offered the opportunity to open, organize, and oversee the fourth statewide office for a very well-known Florida insurance defense firm. Two years later, having obtained very valuable insight into how, exactly, “big insurance” views the claims made by its insureds, Christina followed her heart and her talents back to Plaintiff’s work, representing individual victims of others’ negligence.
Christina earned her Juris Doctor degree from Stetson University College of Law in 2007, graduating in the top third of her class. While at Stetson, she served and competed in national competitions as a member of Stetson’s nationally ranked Alternate Dispute Resolution Board, and additionally served as a Teaching Fellow, a distinguished position only bestowed upon those students with an exhibited mastery of legal writing and research skills. Christina is licensed to practice before all Florida State Courts, Florida’s Second District Court of Appeals, is a Certified County Court Mediator, a Sarasota County Guardian ad Litem, holds memberships with the local Sarasota and Manatee County Bar Associations, is a Board Member of The Mark Wandall Foundation and is a member of the Florida Justice Association. She also previously served as an Advisory Board Member of the Lakewood Ranch YMCA.
Christina was born and raised in Sarasota and currently lives in the Lakewood Ranch area. She is the proud parent of one son.
As we get older, we want to be sure our and our family’s money is in the right hands.
But it is not always as simple as it sounds, and some minor mistakes can lead to horrendous consequences for the whole family.
In this episode, David Pulcini sits down with associate attorney Neil Lyons, ESQ, from Luhrsen Goldberg to talk about everything you need to know about setting up, or being a power of attorney and how to avoid some mistakes that could cost you your financial stability.Â
David and Neil discuss:Â
What is a power of attorney and what that entities you the power to doÂ
If you can take power of attorney over someone without their consistentÂ
How to not inform someone they are your power of attorneyÂ
Some common mistakes that are made that turn out to be disastrous, not only financially but emotionallyÂ
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.Â
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.
When it comes to financial planning, making mistakes can end up being disastrous to your accounts, and can result in the loss of your own financial security for your retirement.Â
In this episode, Joe Prestigiacomo, CFP®, John Harms, CFP® and Alex Neri, CFP® each give two examples they commonly see when it comes to financial planning.
David, Joe, John and Alex discuss:Â
Why you should avoid having multiple retirement accounts
Taking your RMDs from the proper accounts
When you should be claiming Social SecurityÂ
Mistakes made when it comes to income planning through retirementÂ
Why you shouldn’t be too conservative with your accounts as you approach retirement
About Joe Prestigiacomo: 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.
About John Harms: 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.Â
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
About Alex Neri: Alex Neri is dedicated to helping people meet their financial goals through in-depth discussions and planning. He is a 2014 graduate of Mercyhurst University-Erie, PA where he earned a bachelor’s degree in Finance. He enjoys taking complex issues and breaking them down into simple and manageable financial goals. Specializing in working with individuals and families as Alex works to help them properly manage their retirement assets, develop risk mitigation strategies and uncover and resolve portfolio inefficiencies.
