Tag Archives: retirement

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



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



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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Episode 16: The Importance of Proper Medicaid Planning With Ken Kraus — Part 1



Now more than ever, people are concerned about their financial health and wellness, and whether they will be protected if an unexpected crisis should occur. But for many, understanding the Medicaid eligibility rules can be even more complicated. 

In part one of this mini-series, David Pulcini speaks with attorney Ken Kraus about the importance of proper Medicaid planning. David and Ken walk you through some of the initial steps you need to take to ensure your financial safety in the event of a crisis.

David and Ken discuss: 

  • What Medicaid is and how an attorney can help you with the benefits
  • What you can do to protect your assets from unexpected costs that come with crises
  • The difference between reactive and proactive planning
  • The importance of proper financial planning when it comes to applying for Medicaid
  • And so more valuable information you need to know! 

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 15: The Ultimate Guide to 403(b) Plans — With Matt Drummond



What is a 403(b) plan and how does it work?

Find out with David Pulcini and guest Matt Drummond, national sales director at PCS Retirement, LLC, as they answer your questions and concerns about 403(b) plans and share the most common mistakes their clients make when planning for retirement!

In this episode, you’ll learn:

  • The answers to your commonly asked questions about 403(b) plans
  • Common mistakes clients make in 403(b) plans
  • Potential 403(b) plan horror stories
  • Trends and shifts in 403(b) plans
  • And more!

Tune in to discover more about 403(b) planning today!

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Connect with Matt Drummond on Linkedin | Matt’s Email

Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.


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Episode 14: The Importance of Estate Planning — With Attorney Jerry Antetomaso



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 through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.


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Episode 13: Avoid These Mistakes That Could Cost You Millions of Dollars



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 through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.


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Episode 12: Keys To Successful Investing With a Portfolio Manager — With Guest Peter Andersen



When most people think of financial advisors, they think of investing, and that’s correct; an advisor’s job is to assist with the investing of their clients’ accounts and to ensure that those investments are in line with the clients’ objectives.

But many times, financial advisors turn to professional asset managers to help with their investing decisions. These are the people who keep a close eye on the markets and ideally, pick the best stocks to invest in. 

Today, David Pulcini talks to Peter Andersen, founder of Andersen Capital Management. Peter has managed money for a range of clients since 1993, including managing various mutual funds, writing for Forbes Magazine, and making regular appearances on CNBC and Fox Business. Together, Peter and David discuss the importance of choosing financial advisors and fund managers that help ensure that your investments match your ideal goals. 

In this episode, you’ll learn:

  • What Peter Andersen does, and how he makes money from managing your stocks
  • Peter Andersen’s process in choosing a stock and the “themes” he invests in
  • Peter Andersen’s view on Bitcoin
  • About the Weather Mark Equity Strategy
  • Where Peter Andersen sees the S&P 500 by the end of 2021
  • And more!

Now is your chance to learn more about professional asset managers and their role in helping you achieve your investment objectives. Tune in today! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Andersen Capital Management, LLC | Connect with Peter on Linkedin | Follow Peter on Twitter

Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.


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Episode 11: How to Make the Most of Your Pension



While pensions may not be as prevalent as they once were, if you have one, you probably want to make the most of what you’re getting from it. After all, your pension will be one of the biggest decisions you’ll ever have to make, and you want to make sure you get it right.

That’s why, today, David Pulcini sits down to dive into the world of pensions and what you need to know to take yours in a way that will benefit you. He explains what a pension is, how it differs from a 401(k) and 403(b), and how to avoid common pension mistakes.

In this episode, you’ll learn:

  • Why the pension landscape is changing
  • What you need to consider when taking your pension 
  • How pensions are typically calculated 
  • Ways your pension can fit into your retirement picture
  • And more!

Tune in today for your crash-course on pensions! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners  | Rochester Regional Health Pension and Defined Benefit Plan Class Video | NYS Teacher/Employee Pension Video

Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.


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Episode 10: Optimizing Employer Insurance Costs & Employee Benefits — With Mike Mancuso



Employer insurance and benefits are a critical part of any business. Whether you’re an employee or a business owner, it’s important to review company offerings regularly so that you can make the most of your insurance and benefits. 

In this episode, David Pulcini talks with Mike Mancuso, an associate partner with the fastest-growing independent agency in the Rochester area, Lawley Insurance. Mike details the ways both business owners and employees can benefit from professional guidance around insurance and benefits and shares ways he can help uncover the right strategy for you.

In this episode, you’ll learn:

  • What working with Mike and his team looks like for both employees and business owners
  • Ways Mike helps clients drive down insurance costs
  • How much companies really pay to offer employees insurance and benefits
  • Insurance considerations for employees and business owners
  • And more!

Tune in now as Mike Mancuso shares an inside look at employee benefits and insurance! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Connect with Mike Mancuso on Linkedin | Lawley Insurance: (585) 545 – 6651 

Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA.This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions


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Episode 9: Filing for Divorce? Here’s What You Need To Know — With Alison Bates



Life is filled with ups and downs — many of which can impact your finances. 

However, you don’t have to go through the challenges and trials of life alone. There are plenty of professionals, like financial advisors and family law attorneys, who are available to help you no matter what life throws your way. 

In this episode, David Pulcini welcomes guest Alison Bates, a matrimonial and family law attorney at Bates Family Law, P.C. Together, they discuss the financial and legal considerations that come with the divorce process and answer frequently asked divorce questions.

In this episode, you’ll learn:

  • Important steps to take during the divorce process 
  • How prenuptial agreements work 
  • About qualified domestic relations orders
  • How money is split during divorce
  • The difference between a mediation and a divorce 
  • And more!

Tune in now to hear Alison Bates answer your questions about divorce! 

Resources: Connect with David on Linkedin | SixPoint Financial Partners | Connect with Alison on Linkedin | Bates Family Law, P.C.: (585) 433 – 4661

Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through American Portfolios Advisors, Inc. (APA)an SEC Registered Investment Advisor. Six Point Financial is not affiliated with APFS and APA. This material is for informational purposes only. Neither APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.