SixPoint Financial Partners
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585-895-7615 info@sixpointfp.com 1169 Pittsford-Victor Road, Suite 120, Pittsford, NY 14534
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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.

Schedule a Complimentary Conversation See the Six Decisions
  • Designed for public-school employees
  • Plain-English guidance
  • No-pressure first conversation
Questions Worth Answering

Does your retirement plan go beyond your pension?

  • 01 When Can I Retire?
  • 02 Which Pension Option Should I Take?
  • 03 Why Am I In the 403b That I Am In?
  • 04 Why Am I Saving What I Am Saving?
  • 05 How Does the Rest of My Plan Fit In?
  • 06 What Should I Address Before I Retire?
Educator-focused

Planning around pensions and school benefits.

Six coordinated areas

One plan, not a collection of disconnected accounts.

Rochester-based

Local 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.

01

Your pension

Understand the income your pension may provide, your available payment options, and how those choices fit your family.

02

Your 403(b) and 457

Review fees, investments, contribution strategy, and how these accounts may complement pension income.

03

Retirement timing

See how another school year, or an earlier retirement, could affect income, benefits, and long-term flexibility.

04

Social Security

Coordinate Social Security with your pension, spouse's benefits, other income sources, and current rules.

05

Taxes and healthcare

Plan for taxes, possible Roth conversions, and healthcare costs before and after Medicare eligibility.

06

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.

  • Created for public-school employees approaching retirement
  • Plain-English explanations without unnecessary jargon
  • Watch the complete series at your own pace
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 Retirement
What 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.

1

Tell us where you are

Share your school role, retirement timing, priorities, and biggest questions.

2

Identify the moving pieces

We organize the pension, benefits, accounts, and planning areas that may need attention.

3

Clarify your next step

You leave knowing what deserves further analysis, without pressure or obligation.

David Pulcini, CFP
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
Schedule a Conversation Read Dave's Bio

First, tell us where to reach you.

Complete this short form and you will continue directly to David's calendar.

Your information is kept private. No obligation and no pressure.

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.

585-895-7615 info@sixpointfp.com
Clarity. Confidence. Meaningful Results.

SixPoint Financial Partners is not affiliated with or endorsed by any public-school district, union, NYSTRS, or NYSLRS. This information is educational and does not constitute individualized investment, tax, or legal advice. Investing involves risk, including possible loss of principal.

Bring your questions. Leave with a clearer next step.

A complimentary conversation with David and the SixPoint team, with no pressure or obligation.

Schedule a Conversation