The Great Wealth Transfer

ROC Vox Podcast Network
  • 3.7 (3)
  • Investing
  • Updated Semiweekly

Hosted by David Pulcini, CFP®, CEO of SixPoint Financial Partners, The Great Wealth Transfer Podcast dives into one of the most significant financial shifts of our time—the $84 trillion dollar transfer of wealth from one generation to the next. This podcast provides actionable insights, expert advice, and real-world strategies to help families, professionals, and businesses navigate the complexities of preserving, managing, and growing their financial legacies. From tax planning and estate management to investing and philanthropy, each episode equips listeners with the tools to make informed decisions and secure their financial future. Whether you're preparing to pass down wealth or aiming to build a lasting legacy, The Great Wealth Transfer Podcast is your go-to resource for all things wealth, family, and planning. Tune in for engaging conversations with industry experts and inspiring stories that illuminate the path to financial success across generations.

  1. 6d ago

    RSU 201 | Should You Sell Your RSUs When They Vest?

    Your restricted stock units have vested, the taxes have been handled, and the company shares are sitting in your account. Now what? In RSU 201, David Pulcini, CFP® explains one of the most important decisions in equity compensation: whether to hold your vested RSUs or sell the shares and diversify. Doing nothing may feel safe, but it is still an investment decision. Over time, RSUs can quietly become 30%, 40%, or even 50% of someone’s net worth—all tied to the same company providing their paycheck and possibly their bonus. In this episode, you’ll learn: • What happens after restricted stock units vest • When selling RSUs may make sense • When holding company stock could be reasonable • Why selling immediately may create little additional taxable gain • How RSUs create company-stock concentration risk • Why your paycheck, bonus and portfolio shouldn’t all depend on one company • How to make an intentional RSU strategy instead of operating on autopilot The key takeaway: vest, then decide. Hold with intention—or sell and diversify. Watch RSU 101 first to understand vesting, ordinary income taxation and the potential 22% withholding trap. Next in RSU 301, we’ll explore blackout periods, capital gains, tax planning and how RSUs can fit into a broader financial plan. Schedule a conversation with SixPoint Financial Partners: https://calendly.com/dpulcini Learn more: https://sixpointfp.com David Pulcini, CFP® 585-895-2117 dpulcini@sixpointfp.com #RSU #RestrictedStockUnits #EquityCompensation Recorded at ROC Vox Recording and Production, Rochester, NY

  2. Aug 27

    Three Things Killing Your Business Value

    Thinking about selling your business someday? The biggest factors reducing your company's value today may be completely within your control. In this episode, Certified Financial Planner™ David Pulcini discusses: • Why owner dependency scares buyers • The danger of relying on one or two major customers • How messy financial statements reduce your valuation • What buyers actually look for during due diligence • Simple steps to improve business value before an exit Whether you're planning to sell in two years or twenty, preparing today can dramatically increase what your business is worth.  Schedule a conversation: https://calendly.com/dpulcini  Learn more: sixpointfp.com/dave-pulcini-bio If you enjoyed this episode, please Like, Subscribe, and Share it with another business owner. #BusinessOwner, #BusinessValuation, #ExitPlanning, Recorded at ROC Vox Recording and Production, Rochester, NY

  3. Aug 17

    Trump Accounts Explained: Should Parents & Grandparents Open One in 2026?

    Are Trump Accounts worth it? Beginning in 2026, eligible children may qualify for a new Trump Account that can receive a government-funded $1,000 contribution and provide a new way to build long-term retirement savings. In this video, Certified Financial Planner™ David Pulcini explains:  What a Trump Account is  Who qualifies for the $1,000 government contribution  How parents and grandparents can contribute  Trump Account vs. 529 Plan  Trump Account vs. Roth IRA  Tax advantages and potential drawbacks  How to open a Trump Account  Whether this strategy fits into your family's financial plan Many families have heard about these new accounts but don't fully understand how they work. We'll walk through the rules, contribution limits, investment options, tax considerations, and where this strategy may fit alongside other savings vehicles. If you're planning for your children's or grandchildren's future, this is one retirement planning strategy you'll want to understand.  Schedule a complimentary conversation: https://calendly.com/dpulcini  Learn more: https://sixpointfp.com  Subscribe for weekly retirement planning videos: https://www.youtube.com/@sixpointfinancialpartners4351 SixPoint Financial Partners Helping families retire with confidence through comprehensive financial planning, retirement income planning, tax strategies, investment management, estate planning, and legacy planning. Recorded at ROC Vox Recording and Production, Rochester, NY

  4. Aug 11

    Pension or Lump Sum? How to Make the Right Retirement Choice

    Should you take the guaranteed monthly pension—or choose the lump sum and roll it into a retirement account? This may be one of the largest and most permanent financial decisions you make. Unfortunately, there isn’t one answer that works for everyone. The right choice depends on your income needs, health, life expectancy, other retirement assets, comfort with investment risk, and desire to leave money to your family. In this video, David Pulcini, CFP® explains:  The peace of mind a monthly pension can provide  Why inflation may reduce a pension’s purchasing power  What may happen to the pension after you and your spouse die  The control and flexibility offered by a lump-sum rollover  How a lump sum may create an asset for your beneficiaries  The investment and longevity risks of managing the money yourself  The questions to answer before making an irreversible election A pension provides predictable lifetime income and eliminates much of the responsibility for managing the money. A lump sum may offer greater control, growth potential, access to the funds, and legacy-planning flexibility—but you are responsible for making it last. Don’t make this decision based solely on what a coworker chose. Their health, family, assets, income needs, and retirement plan are not the same as yours. Before signing your pension election paperwork, compare both options using your actual numbers and complete retirement plan.  Schedule an introductory conversation: https://calendly.com/dpulcini/introdu...  Call or text: (585) 895-2117  Visit SixPoint Financial Partners: https://www.sixpointfp.com  Subscribe for more retirement-planning insights: / @sixpointfinancialpartners4351 Recorded at ROC Vox Recording and Production, Rochester, NY

  5. Aug 7

    How Much Money Do You Really Need to Retire?

    How much money do you really need to retire? Is it $1 million, $2 million, 10 times your salary—or something completely different? The truth is that your retirement number shouldn’t be based on a stranger’s rule of thumb. It should be based on one question: Can your income support your life without a paycheck? In this video, David Pulcini, CFP® explains a simple three-step retirement test:  Determine what your lifestyle actually costs  Calculate your dependable retirement income  Identify the income gap your savings must fill You’ll also learn: • Why a large investment balance doesn’t automatically mean you’re ready to retire • How pensions and Social Security create your retirement income floor • Why choosing the wrong pension option can permanently reduce your income • How your 401(k), IRA and investments can help fill the remaining gap • Why taxes, healthcare and longevity matter just as much as investment performance • When you should begin seriously evaluating your retirement readiness The amount you need to retire is personal. Someone spending $6,000 per month with substantial guaranteed income may need less saved than someone spending $12,000 per month with no pension. Retirement planning isn’t about reaching an arbitrary number. It’s about coordinating your income, investments, taxes, healthcare and long-term goals so you can clearly see whether the numbers work. If you’re five to ten years away from retirement—or wondering whether you could retire sooner—now is the time to find out.  Schedule a conversation with our team: https://calendly.com/dpulcini  Learn more about SixPoint Financial Partners: https://www.sixpointfp.com  Call us: 585-895-2117  Subscribe for more retirement and financial planning insights: https://www.youtube.com/@sixpointfinancialpartners4351?sub_confirmation=1 What is the biggest unanswered question you have about retirement? Leave it in the comments. We may answer it in an upcoming video. Recorded at ROC Vox Recording and Production, Rochester, NY

  6. Jul 30

    What Is Your Business Actually Worth? (Most Owners Get This Wrong)

    Most business owners can tell you what they think their business is worth—but very few can explain how they arrived at that number. In this episode, Certified Financial Planner™ David Pulcini discusses: • Why revenue alone doesn't determine value • How buyers actually value businesses • Why owner dependency lowers your company's value • The importance of business succession planning • How to increase your business's value before an exit • Why every business owner should know their number Whether you're planning to sell in one year or twenty, understanding your business value today can dramatically improve your financial future. Schedule a conversation: https://calendly.com/dpulcini Learn more: https://sixpointfp.com If you enjoyed this episode, please Like, Subscribe, and Share with another business owner. Recorded at ROC Vox Recording and Production, Rochester, NY

  7. Jul 6

    What a Real Financial Plan Looks Like (Before You Retire)

    Most people spend decades saving for retirement but never build an actual retirement plan. In this episode of The Great Wealth Transfer, I walk through the real-life story of a couple preparing for retirement and show exactly how a comprehensive financial plan comes together. We cover:  Investments  Retirement income planning  Social Security strategies  Tax planning and Roth conversions  Risk management  Estate planning  Retirement travel and lifestyle goals If you're within 10 years of retirement, this video will show you what a complete retirement plan should actually look like.  Learn more: sixpointfp.com Subscribe to the SixPoint Financial Partners YouTube Channel: https://www.youtube.com/@sixpointfinancialpartners4351  Schedule a conversation: https://calendly.com/dpulcini/introduction-to-sixpoint #retirementplanning #retirement #financialplanning #socialsecurity #rothconversion #estateplanning #retirementincome Recorded at ROC Vox Recording and Production, Rochester, NY

  8. Jun 29

    What Happens to Your IRA When You Die? (2026 Inherited IRA Rules Explained)

    What happens to your IRA when you die? Most people assume their retirement accounts automatically transfer to their spouse or follow the instructions in their will. Unfortunately, that's not always true. In this episode of The Great Wealth Transfer, I walk through a real-life case where an outdated beneficiary designation completely changed where a retirement account went after death. We cover:  IRA beneficiary rules  What happens when a spouse inherits an IRA  The SECURE Act 10-year rule  Inherited IRA tax consequences  Traditional IRA vs Roth IRA inheritance  Beneficiary designation mistakes  Primary vs contingent beneficiaries  Estate planning and retirement accounts If you have an IRA, 401(k), 403(b), or retirement account, this is information your family needs you to understand.  Learn more: sixpointfp.com Subscribe to the SixPoint Financial Partners YouTube Channel: https://www.youtube.com/@sixpointfinancialpartners4351  Schedule a conversation: https://calendly.com/dpulcini/introduction-to-sixpoint #IRA #InheritedIRA #EstatePlanning #RetirementPlanning #BeneficiaryDesignations #RothIRA #FinancialPlanning #SecureAct Recorded at ROC Vox Recording and Production, Rochester, NY

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3.7
out of 5
3 Ratings

About

Hosted by David Pulcini, CFP®, CEO of SixPoint Financial Partners, The Great Wealth Transfer Podcast dives into one of the most significant financial shifts of our time—the $84 trillion dollar transfer of wealth from one generation to the next. This podcast provides actionable insights, expert advice, and real-world strategies to help families, professionals, and businesses navigate the complexities of preserving, managing, and growing their financial legacies. From tax planning and estate management to investing and philanthropy, each episode equips listeners with the tools to make informed decisions and secure their financial future. Whether you're preparing to pass down wealth or aiming to build a lasting legacy, The Great Wealth Transfer Podcast is your go-to resource for all things wealth, family, and planning. Tune in for engaging conversations with industry experts and inspiring stories that illuminate the path to financial success across generations.

Information

  • Creator
    ROC Vox Podcast Network
  • Years Active
    2025 - 2026
  • Episodes
    46
  • Rating
    Clean
  • Copyright
    ©2025 Six Point Financial Partners
  • Show Website
    The Great Wealth Transfer