Tag: personal finance
29. Risk Management – Part Two of Six Points of Financial Planning with Eric Eveland

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

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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

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:

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

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

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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.

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

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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

Resources:

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

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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23. 6 Things We Tell People in Their 60’s with Alex Neri

23. 6 Things We Tell People in Their 60’s with Alex Neri

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Financial planning in your 60s is often considered by advisors to be the most important stage of your planning for your retirement. 

But many are confused by contradicting pieces of advice from various different sources.

In this episode, David Pulcini speaks with Alex Neri, CFP®, RICP®, partner at SixPoint Financial Partners, about six pieces of financial advice he would give to clients in their 60s. Alex also includes one BONUS piece of advice that was too important to leave out. 

Alex discusses: 

  • How Social Security plays plays a huge role in your planning in your 60s
  • What Medicare decisions you need to make, and when the “cut-off” is
  • Whether long term insurance will cover your medical expenses in the future
  • Making the most of your pension 
  • How to plan your inheritance properly 
  • And more

Resources:

Connect with David Pulcini: 

Connect with Alex Neri:

About our Guest: 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.

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22. 6 Things We Tell People in Their 50’s with Anthony Ruffalo

22. 6 Things We Tell People in Their 50’s with Anthony Ruffalo

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Are you in your fifties? How do you feel about your financial situation right now?

While you’re in your fifties, your life is starting to have some new milestones, and big financial and life changes are on the horizon. Are you looking at retirement soon? Are you going to sell your house after the kids move out? Should you start to move your money and investments around into new accounts?

In this episode, David Pulcini gets real about financial advice for people in their fifties, and answers the questions above, with Anthony Ruffalo, CFP®, owner of Ruffalo Wealth Management. David and Anthony share some advice to help you prepare for your final years working, starting retirement and all the decisions that surround this time in your life.

David and Anthony discuss:

  • How to figure out your retirement income targets
  • The importance of developing a long-term care plan, even if you don’t think you’ll use it
  • How to identify income gaps when you transition into retirement
  • How downsizing your home might make you hundreds of thousands of dollars
  • How the sequence of return risk could be what makes or breaks your bank account
  • And more

Connect with Anthony Ruffalo:

Connect with David Pulcini: 

About our Guest: Anthony Ruffalo is a CERTIFIED FINANCIAL PLANNER™ Practitioner. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold a CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, only 62,000 individuals have obtained CFP® certification in the United States.

Anthony holds the series 24, 7, 66 securities licenses through LPL Financial as well as Life, Health, Long Term Care, Medicare Supplement, and Annuity licensures.

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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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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:

Connect with Jesse Cramer:

Connect with David Pulcini: 

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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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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