Tag Archives: RMD

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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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19. Everything You Need to Know About Medicare with Catherine Glenning



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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17. The Importance of Proper Medicaid Planning With Ken Kraus — Part 2



As we get older, the realities of what it takes to plan for long-term care sets in. But as people start to realize how complicated the process can be, they wait too long and run out of time. This leads to difficulties trying to secure the funding they need for their loved ones or themselves.

In part two of this mini-series, David Pulcini and attorney Ken Kraus continue their discussion about Medicaid and long-term care planning. David and Ken take a closer look at exactly what you should be doing to proactively protect your assets and ensure your loved ones get the care they need.

David and Ken discuss: 

  • Understanding the often complicated eligibility rules when applying for Medicaid and long-term care
  • The initial three steps you might not know about when it comes to Medicaid planning 
  • The difference between your exposed and exempt assets, and how that is key to finding out what exactly is protected 
  • A quick look into what the Medicaid application process looks like
  • And more

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 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.