Your pension
Understand the income your pension may provide, your available payment options, and how those choices fit your family.
Retirement Planning for Public-School Educators
You spent your career preparing others. Let’s prepare you for retirement.
Your pension may be the foundation—but your retirement decision also involves savings, taxes, Social Security, healthcare, and the life you want after the final bell.
- Designed for public-school employees
- Plain-English guidance
- No-pressure first conversation
Educator-focusedPlanning around pensions and school benefits
Six coordinated areasOne plan—not a collection of disconnected accounts
Rochester-basedLocal advice from a CERTIFIED FINANCIAL PLANNER™ professional
The SixPoint View
Six decisions that can shape your retirement.
A strong retirement plan connects every moving piece, so one decision does not accidentally undermine another.
Your 403(b) and 457
Review fees, investments, contribution strategy, and how these accounts may complement pension income.
Retirement timing
See how another school year—or an earlier retirement—could affect income, benefits, and long-term flexibility.
Social Security
Coordinate Social Security with your pension, spouse’s benefits, other income sources, and current rules.
Taxes and healthcare
Plan for taxes, possible Roth conversions, and healthcare costs before and after Medicare eligibility.
Estate and legacy
Align beneficiaries, account ownership, and estate documents with the people and causes that matter to you.
Retirement Insights for Educators
Get clearer answers before making your retirement decisions.
Explore our educator-focused video series covering the retirement questions public-school employees often face.
View the Full YouTube Playlist →More Than a Retirement Date
Your pension answers only one part of the question.
The bigger question is whether all of your resources can work together to support the retirement you actually want.
“Can I retire?” becomes easier to answer when you can see your pension, investments, taxes, insurance, estate plan, and personal goals on the same page.
Talk Through Your RetirementWhat a Conversation Looks Like
Bring your questions. Leave with a clearer next step.
The initial conversation helps us understand what matters to you, identify the decisions ahead, and determine whether additional planning could be useful.
- 1Tell us where you are
Share your school role, retirement timing, priorities, and biggest questions.
- 2Identify the moving pieces
We organize the pension, benefits, accounts, and planning areas that may need attention.
- 3Clarify your next step
You leave knowing what deserves further analysis—without pressure or obligation.
Meet Your Advisor
David Pulcini, CFP®
David is CEO and Lead Advisor at SixPoint Financial Partners. He helps families coordinate retirement income, investments, taxes, risk management, estate planning, and the personal goals that make each plan unique.
CERTIFIED FINANCIAL PLANNER™ professional
CEO & Lead Advisor
Rochester, New York
Your Next Chapter Starts Here
Let’s talk through your public-school retirement decisions.
Tell us a little about yourself, then choose a convenient time for a complimentary conversation with David and the SixPoint team.