Episodes

  • 4 Costly Mistakes Business Owners Make Before Selling Their Company

    4 Costly Mistakes Business Owners Make Before Selling Their Company
    May 14 2026
    Business owners spend decades building successful companies — but many still make major mistakes when it comes to retirement, taxes, succession planning, and preparing for a future exit.

    In this episode of The Great Wealth Transfer, David Pulcini CFP® discusses the four biggest mistakes business owners make before selling their company and why your business alone should not be your retirement plan.

    Topics include:

    • Business valuation expectations
    • Exit planning mistakes
    • Tax planning for business owners
    • Succession planning strategies
    • Liquidity and diversification
    • Retirement planning for entrepreneurs
    • How to prepare a business for sale
    • Wealth transition planning
    • Long-term tax architecture
    • Building personal wealth outside the business

    If you are a business owner over 50, within 5–10 years of retirement or considering selling your company, this episode is designed to help you think strategically about the transition ahead.

    If you have questions about business owner retirement planning, tax-efficient wealth strategies, or succession planning, our team would be happy to connect.

    David Pulcini, CFP®
    SixPoint Financial Partners

    Schedule a conversation:
    https://calendly.com/dpulcini/introduction-to-sixpoint

    Website:
    sixpointfp.com

    Subscribe on YouTube:
    https://www.youtube.com/@sixpointfinancialpartners4351
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    11 mins
  • You Saved $1.4M… Now What? (The Hidden Retirement Tax Problem)

    You Saved $1.4M… Now What? (The Hidden Retirement Tax Problem)
    May 11 2026
    If you’re approaching retirement with $1 million or more saved, this is one of the most important conversations you can have.

    In this episode of The Great Wealth Transfer, we walk through a real scenario: a couple with $1.4 million saved who appeared financially secure—but underneath the surface, there was a hidden tax problem that could significantly impact their retirement.

    The reality is, it’s not just about how much you’ve saved—it’s about how your money is structured, how withdrawals are planned, and how taxes will affect your income over time.

    In this video, we cover:
    • Why $1M in a traditional IRA is not the same as $1M in a Roth
    • How required minimum distributions (RMDs) can create unexpected tax issues
    • The “silent partner” in your retirement accounts
    • Why the years between retirement and RMD age are critical
    • How to think about retirement income planning and tax efficiency

    If you’re over 55 and nearing retirement, this is where planning shifts from accumulation to optimization.

    Schedule a conversation: https://calendly.com/dpulcini

    Learn more: https://sixpointfp.com

    More videos: / @sixpointfinancialpartners4351

    #RetirementPlanning #TaxStrategy #FinancialPlanning #IRA #WealthManagement #Over50 #RMD #RetirementIncome
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    7 mins
  • GWT You Saved for 40 Years… So Why Are Retirees Afraid to Spend?

    GWT You Saved for 40 Years… So Why Are Retirees Afraid to Spend?
    Feb 19 2026
    Many retirees aren’t afraid of the market.
    They’re afraid to spend their own money.
    After saving for 30–40 years, spending can feel wrong — even when the numbers say you’re safe.
    In this episode, we cover:
    • Why retirement spending feels uncomfortable
    • The emotional shift from saver to spender
    • How market volatility fuels retirement anxiety
    • What “permission to spend” really means
    • How to build true retirement income confidence
    If you’re 55+ with $1M+ invested and wondering:
    “Can we afford this?”
    “What if the market drops?”
    “What if we live too long?”
    This conversation is for you.
    Retirement isn’t just about having enough money.
    It’s about enjoying it — confidently.
    Connect With Us
    David Pulcini, CFP®
    SixPoint Financial Partners
    📞 585-895-2117
    📩 dpulcini@sixpointfp.com
    🌐 sixpointfp.com
    📅 Schedule a conversation: https://calendly.com/dpulcini
    🎥 Watch more episodes: https://www.youtube.com/channel/UCPLDBtMdf2Osu9L3_AtzFnw
    #RetirementPlanning #RetirementIncome #RetireWithoutRegret, #FinancialPlanning, #MarketVolatility, #WealthManagement, #PermissionToSpend, #WealthPsychology
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    7 mins
  • If You Won $10 Million… Would Your Life Actually Change?

    If You Won $10 Million… Would Your Life Actually Change?
    Feb 12 2026
    If you suddenly had $10 million, what would actually change about your life?
    Many retirees and pre-retirees are surprised by their own answer — and what it reveals about retirement readiness.

    In this episode of The Great Wealth Transfer, we explore why more money doesn’t always lead to more happiness, how clarity beats accumulation, and what it really means to feel financially secure heading into retirement.

    This conversation is especially relevant for individuals approaching retirement who have saved diligently but still feel uncertain — even anxious — about spending their money.

    Topics covered include:
    • Retirement mindset and permission to spend
    • Why “enough” matters more than “more”
    • Emotional readiness for retirement
    • Financial clarity vs. financial accumulation
    • Protecting the life you’ve already built

    If this resonates, connect with SixPoint Financial Partners:
    585-485-0947
    dpulcini@sixpointfp.com

    Schedule a conversation: https://calendly.com/dpulcini

    This content is for educational purposes only and is not individualized financial, tax, or legal advice.
    #RetirementPlanning
    #GreatWealthTransfer
    #RetireWithoutRegret
    #FinancialClarity
    #PermissionToSpend
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    5 mins
  • Bitcoin Is Money, Not Currency — and Misunderstanding It Could Cost You

    Bitcoin Is Money, Not Currency — and Misunderstanding It Could Cost You
    Feb 5 2026
    Most people have heard of Bitcoin — but very few can explain what it actually is, how it works, or whether it belongs in a retirement plan.

    In this episode of The Great Wealth Transfer, David Pulcini, CFP® breaks Bitcoin down in plain English:

    What Bitcoin actually is (and what it is not)

    The difference between money vs currency

    Why Bitcoin behaves more like digital gold

    Whether Bitcoin threatens the US dollar

    How retirees and pre-retirees should think about Bitcoin exposure

    A neutral, fiduciary perspective on owning Bitcoin (no hype, no fear)

    This episode is designed for investors over 50, retirees, and families navigating the Great Wealth Transfer who want clarity — not speculation.

    📅 Want help understanding how Bitcoin fits into your retirement plan?

    Schedule a conversation: https://calendly.com/dpulcini
    🌐 Learn more: https://sixpointfp.com
    📩 Email: dpulcini@sixpointfp.com
    📞 Phone: 585-485-0947

    #retirementplanning #TheGreatWealthTransfer #retirementincome #youtubefinance #financialeducation #investingsimplified #bitcoinexplained #bitcoininvesting #digitalgold #cryptoforbeginners #bitcoineducation
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    11 mins
  • Why Healthcare Is the Biggest Hidden Cost in Retirement (And What You Can Do About It)

    Why Healthcare Is the Biggest Hidden Cost in Retirement (And What You Can Do About It)
    Jan 30 2026
    If you’ve ever looked at your healthcare premiums and thought, “Why is this so expensive?” — you’re not alone.
    Healthcare is one of the largest and fastest-growing expenses in retirement, especially for people in their 50s and early 60s before Medicare begins. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why healthcare premiums keep rising, what’s actually driving the cost, and — most importantly — what retirees can still control.
    In this video, we cover:
    • Why healthcare costs rise as you age
    • Why U.S. healthcare premiums are higher than most countries
    • The hidden impact of prescription drugs and medical inflation
    • Why ages 60–65 are the most expensive healthcare years
    • How income planning affects ACA subsidies and Medicare premiums
    • How smart planning can reduce healthcare costs in retirement
    Healthcare isn’t expensive because you’re doing something wrong — it’s expensive because the system is expensive. The good news? With the right retirement income and tax strategy, you can plan around it.
    📅 Schedule a conversation: https://calendly.com/dpulcini
    🌐 Learn more: https://sixpointfp.com
    #HealthcareCosts, #RetirementPlanning, #HealthcarePremiums, #MedicarePlanning, #RetirementIncome, #GreatWealthTransfer, #FinancialPlanning, #RetireWithoutRegret, #PreMedicare, #RetirementExpenses, #DavidPulciniCFP
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    10 mins
  • How to Know If You’re Really Ready to Retire!

    How to Know If You’re Really Ready to Retire!
    Jan 22 2026
    Most people think retirement readiness is about hitting a certain dollar amount. In reality, it’s about clarity and confidence.

    In this episode, we walk through the five real signs you’re truly ready to retire, including:

    -Knowing your real retirement number
    -Having a tested, tax-smart income plan
    -Planning for healthcare and Medicare
    -Building a forward-looking tax strategy
    -Retiring to something, not just from something

    If you’ve ever asked yourself, “Will I be okay?” — this episode is for you.

    Schedule a Call: https://www.calendly.com/dpulcini
    Learn More: https://www.sixpointfp.com
    Email: dpulcini@sixpointfp.com
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    9 mins
  • Is Social Security Going Broke? The Truth No One Explains Clearly

    Is Social Security Going Broke? The Truth No One Explains Clearly
    Jan 8 2026
    Will Social Security run out of money?

    Headlines say the Social Security trust fund is going broke — but what does that actually mean for retirees and those nearing retirement? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down what’s really happening with Social Security, what benefit cuts could look like, and how smart retirement planning can protect you regardless of political headlines.

    You’ll learn:
    • What happens if the Social Security trust fund runs out
    • Whether benefits will actually stop (or just be reduced)
    • How Congress could change Social Security rules
    • Why planning for 80% of benefits may be the smarter move
    • How to build a retirement income plan that doesn’t rely on one source

    Fear doesn’t belong in retirement planning — clarity does.

    📅 Schedule a conversation: https://calendly.com/dpulcini
    🌐 Learn more: https://sixpointfp.com

    Educational content only. Not financial advice.
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    10 mins