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  • Sudden Wealth: 4 Big Mistakes to Avoid When Inheriting Money or Selling a Business

    Sudden Wealth: 4 Big Mistakes to Avoid When Inheriting Money or Selling a Business
    2025/06/05
    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 sudden wealth
    • How to avoid taxes, scammers, and poor decisions
    • The 5-step framework to turn a windfall into lifelong financial security
    • Emotional traps like guilt, identity changes, and family pressure
    • Real-life stories and strategies you can use today
    Learn how to handle a windfall with purpose and build a lasting legacy.

    Need personalized guidance? Let’s talk.
    → Book a 20-minute intro call:
    Select a Date & Time - Calendly

    Email: dpulcini@sixpointfp.com
    Call: 585-485-0947

    Subscribe to The Great Wealth Transfer for real-life strategies on inheritance, taxes, and legacy planning.
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    17 分
  • Wills & Trusts - The Differences Explained

    Wills & Trusts - The Differences Explained
    2025/05/22
    In this episode of The Great Wealth Transfer, Dave Pulcini, CFP®, simplifies one of the most misunderstood estate planning topics: Wills vs. Trusts. Whether you're just getting started or need to revisit your estate plan, this episode breaks down:
    • What a will and a trust actually are (in plain English)
    • The 5 key differences: probate, privacy, timing, cost, control
    • Real-life examples and what happens if you get it wrong
    • The "cast of characters" in wills and trusts
    • 10 types of trusts – from revocable to special needs to GRATs
    • A simple analogy that makes it all click (hint: sticky note vs. locked chest)
    BONUS: A crash course in trust structures and how to know which one might be right for your family.

    If you’ve never reviewed your estate plan—or if it’s been over five years—this is your sign to act.

    Need help? Call SixPoint Financial Partners at 585-485-0947 or email dpulcini@sixpointfp.com.

    Subscribe now for more insights into estate planning, tax strategies, and legacy preservation.
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    16 分
  • FAQ's: Who Pays the Taxes? Estate & Gifting Questions You Need Answered

    FAQ's: Who Pays the Taxes? Estate & Gifting Questions You Need Answered
    2025/05/15
    In this FAQ-style episode of The Great Wealth Transfer, host David Pulcini, CFP®, tackles the most common questions he's getting at the gym, soccer games, and lunch tables—from gifting rules to estate tax traps. You’ll learn:
    • Who pays the taxes when you gift $50,000 to your kids?
    • What happens if the estate tax exemption gets cut?
    • Should you put your house into a trust?
    • Will your kids owe taxes when they inherit your IRA?
    • What happens if you die without a will?
    • Why your beneficiaries on accounts matter more than your will.
    David also shares real-life stories and examples, including how one family avoided 14 months of probate by properly using a trust—and another lost everything to a distant cousin.

    Whether you're planning for retirement, building generational wealth, or just want your estate to be simple and smooth—this is an episode you don’t want to miss.
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    16 分
  • “Market Mayhem, Policy Whiplash, and the Power of Process – Q1 Market Update with John Harms

    “Market Mayhem, Policy Whiplash, and the Power of Process – Q1 Market Update with John Harms
    2025/04/28
    In this high-energy quarterly market update, Dave Pulcini sits down with John Harms for an unfiltered look at what’s really been driving market volatility — from policy-driven swings and tariff talk to consumer sentiment and surprise earnings reactions.
    John breaks down:
    • What GDP and Fed projections mean for your investments
    • Why layoffs haven’t hit yet — and when they might
    • How to view volatility as opportunity (not panic)
    • Why active management may outperform passive in uncertain times
    • The Netflix-to-bonds connection: yes, it’s real
    • His secret to long-term portfolio success: "process beats prediction"
    If you’re wondering whether to dangle your dollars in the market or sit on the sidelines — this is your episode.
    Real talk. Real strategy. No panic.
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    1 時間 1 分
  • Estate Planning for Blended Families: Avoiding a Fractured Legacy

    Estate Planning for Blended Families: Avoiding a Fractured Legacy
    2025/04/22
    In this emotionally charged episode of The Great Wealth Transfer, David Pulcini, CFP®, dives deep into the estate planning challenges unique to blended families. With over 40% of married couples now part of a blended family, outdated wills and vague trusts are a recipe for emotional and financial disaster.

    You’ll learn:
    + How to structure your will and trust for second marriages
    + What the “Carl Clause” is—and why it matters
    + How to avoid the mistakes of Robin Williams, Aretha Franklin, and Gene Hackman
    + The role of remarriage clauses, QTIP trusts, and Roth conversions
    + And why unexpressed expectations are premeditated resentments

    This episode is part masterclass, part cautionary tale—and it might just save your family from a fractured legacy.

    #greatwealthtransfer #estateplanning #inheritance #blendedfamilies
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    20 分
  • How to Protect Your Legacy from In-Laws and Exes

    How to Protect Your Legacy from In-Laws and Exes
    2025/04/07
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, shares real-life stories of how inheritances are unintentionally lost to ex-spouses, in-laws, and legal loopholes—and what you can do to prevent it.

    You’ll learn:
    • Why an inheritance can become marital property (and walk out the door in a divorce)
    • What happens when you forget to update your beneficiary forms
    • How to structure gifts for children without risking half to an ex-in-law
    • The tools you can use—like inheritance trusts, prenups/postnups, and conditional gifts—to keep your legacy protected
    • How to start the tough but necessary family conversations about money and planning
    This isn’t about control—it’s about clarity, intention, and love. If you care about what happens to your wealth after you're gone, this is the episode to watch.

    If this resonates with you, share it with someone who needs to hear it. Ready to protect your legacy?

    Contact SixPoint Financial Partners:
    dpulcini@sixpointfp.com
    (585) 485-0947
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    15 分
  • The Psychology of Money: How Behavior Shapes Generational Wealth

    The Psychology of Money: How Behavior Shapes Generational Wealth
    2025/04/01
    🎙 The Psychology of Money | Ashley Quamme on Inheritance, Behavior & the Great Wealth Transfer
    $84 trillion is set to change hands over the next 20 years—and most of us aren't ready.
    In this episode of The Great Wealth Transfer, David Pulcini, CFP®, sits down with Ashley Quamme, a licensed therapist and financial behavior specialist, to unpack the emotional side of money. From family dynamics and inheritance guilt to entitlement, fear, and financial anxiety, Ashley shares powerful insights on how human behavior shapes legacy planning.
    💬 Topics We Cover:
    • Why money decisions are emotional—not logical

    • What to do if you're anxious about the markets

    • How to talk to your kids about your wealth (and why you should)

    • Avoiding entitlement, guilt, and mistakes with inherited money

    • Real-life stories about siblings, estate planning, and fairness

    • Why transparency beats secrecy when it comes to legacy


    Whether you're planning to pass wealth down or inherit it, this episode will challenge how you think about money—and help you navigate one of the biggest financial transitions in history.

    🔗 Connect with Ashley: Planning and Beyond Podcast https://www.linkedin.com/in/ashleyquamme/

    📞 Ready to start your legacy plan?
    Visit sixpointfp.com or call (585) 485-0947

    Email me: dpulcini@sixpointfp.com

    Schedule a meeting HERE: https://calendly.com/dpulcini/introductory-conversation
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    39 分