The Great Wealth Transfer

 Restricted stock units can be more than compensation—they can become a powerful financial-planning tool. In RSU 301, David Pulcini, CFP®, explores advanced RSU strategies that many employees overlook, including: • Planning around company blackout periods • Understanding short-term and long-term capital gains • Avoiding the trap of holding company stock solely for tax reasons • Coordinating RSU in...

If your company gives you restricted stock units, you could be accumulating more wealth than you realize—and creating a larger tax bill than you expect. In this RSU 101 video, David Pulcini, CFP® explains: What restricted stock units are How an RSU vesting schedule works When RSUs become taxable income Why vesting—not selling—is usually the first tax event How the 22% federal withholding rate can...

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 bec...

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...

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...

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 m...

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:  Determ...

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 incre...

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 man...

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:  I...

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...

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...

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 buil...

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...

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...

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 th...

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...

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...

Adding your name to a parent’s bank account feels helpful — but it can quietly create serious legal, tax, and Medicaid problems. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why joint accounts are one of the most misunderstood estate planning tools and how they can backfire during long-term care and Medicaid planning. We discuss: • Why joint accounts legally give bot...

 Most retirement plans focus on one thing: making money last a long time. But great planning does something more powerful — it plans for longevity *and* prepares for brevity. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains why true financial planning isn’t just about living to 90 or 100, but also about protecting the people you love if life is shorter than expected. We...

 Interest rates are falling — and for many retirees, that creates confusion and costly mistakes. For the last few years, CDs felt like a gift: safe, simple, and finally paying meaningful interest. But now that rates are starting to decline, many people are asking the same question: What should I do when my CD matures? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, explains what...

The IRS may be your biggest heir — unless you take control. With $84 trillion set to change hands over the next 20 years, your retirement accounts could become a massive tax burden for your family. In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down 5 practical moves to help reduce lifetime taxes, avoid forced withdrawals, and protect your legacy. You’ll learn:  How to d...

The market will drop — it always does. The question isn’t if, it’s whether you’re positioned to take advantage of the opportunity. In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, breaks down four smart moves you can make during market declines to strengthen your long-term plan and reduce future taxes. You’ll learn: ✓ How tax-loss harvesting creates real savings ✓ Why rebalancing...

Feeling ‘retirement rich’ but cash poor? You’re not alone. Millions of people under 55 have most of their wealth locked inside retirement accounts they can’t touch without penalties. In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, breaks down how to fix that gap — and build real financial flexibility today without sacrificing your long-term retirement security. You’ll learn: • Wh...

In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down the smart withdrawal strategy that can help retirees keep more of their money — and pay far less in taxes.  How you take money out of your retirement accounts matters more than how much you’ve saved. We’ll cover:  The right order to take income (Taxable → IRA → Roth)  How to avoid the “Retirement Tax Bomb” from RMDs  Wh...