The Great Wealth Transfer

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 In this episode of The Great Wealth Transfer, I walk through a real-life case where an outdated beneficiary designation completely changed where a retirement account went after death.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...

 Most people think retirement success depends on hitting a “magic number.” In this episode of Retire Without Regret, David Pulcini, CFP® of SixPoint Financial Partners, breaks down why that mindset is wrong — and how to focus on what really matters: your plan, not someone else’s number. You’ll learn:  Why mindset and strategy matter more than total savings  How to maximize catch-up contributions a...

You saved, invested, and stayed calm — so why does your retirement plan still flash red at age 85? In this episode of Retire Without Regret, David Pulcini, CFP® explains why even households with $2M+ can face late-life shortfalls — and how to fix them. We cover realistic inflation, tax-smart withdrawals, Social Security timing, portfolio design that beats inflation (not just volatility), and healt...

In this bonus episode of Retire Without Regret, financial advisor Dave Pulcini shares 3 actionable steps for people who feel ‘behind’ on retirement savings. You don’t need $2 million to retire well—you need a clear plan. You’ll learn how to maximize catch-up contributions, diversify your account types, and build a personalized retirement timeline. Plus, Dave explains the mindset shift that helps y...

Welcome to Retire Without Regret — a new series from The Great Wealth Transfer. Too many people enter retirement with unanswered questions, hidden tax traps, and the constant fear of running out of money. This series is here to change that. In this very first episode, David Pulcini, CFP®, introduces the Retire Without Regret framework — a simple, powerful process to help you: Understand how much y...

 YouTube Description (SEO-Rich): What if your retirement plan isn't just about you? In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down what most retirement plans get wrong—and how to build a retirement income strategy that serves both you and the people you love. You'll learn: How much you really need to retire What a financial advisor actually does for income planning...

 $84 trillion is changing hands in the next 20 years — will your family be ready? Welcome to The Great Wealth Transfer — where we break down how to protect, grow, and pass on wealth across generations. In this first episode of our six-part series, David Pulcini, CFP®, unpacks investment strategies that outlive you, reduce taxes for your heirs, and create real clarity for the people you love.  In t...

In this episode of The Great Wealth Transfer, David Pulcini, CFP®, breaks down the LEGACY Framework — a 6-step estate planning system designed to help you protect your wealth, minimize taxes, avoid probate, and give with purpose.  What You'll Learn: How to list and organize your financial assets Why goals (not just documents) are the heart of a true estate plan What documents you actually need (an...

 Sudden Wealth is one of the biggest financial transitions you’ll ever face—so don’t go it alone. Whether from an inheritance, business sale, lottery win, or settlement, a financial windfall can change your life—and not always in the way you expect. In this episode of The Great Wealth Transfer, financial advisor David Pulcini, CFP®, shares:  The 4 most common mistakes people make after receiving s...