Alex Neri CFP

09/25/2025

Curious about how advisors handle referrals when they’re at capacity?

Bill Cates - Referral Coach shares insights on scaling businesses & maintaining discipline. Discover the art of creating win-win client relationships and listen to the full episode on Apple Podcasts, Spotify or use this link: https://lnkd.in/gdGT7Sfh

Thank you, Bill, for taking the time to have a conversation with me about financial decision-making, nurturing referable relationships, and your new book, “The Hidden Heist.”

09/18/2025

Is getting a mortgage at 6-7% still a smart move?

Tune in to learn how this could be an opportunity for investors. Hear our thoughts on first time home buying and downsizing with retirees. Thank you, Julie Ohmann REMAX for taking the time to come on and talk about the housing market and financial advice with real estate.

Listen to the full episode on Apple Podcasts, Spotify or follow the link below: Is getting a mortgage at 6-7% still a smart move?

Tune in to learn how this could be an opportunity for investors. Hear our thoughts on first time home buying and downsizing with retirees. Thank you, Julie Ohmann, Realtor for taking the time to come on and talk about the housing market and financial advice with real estate.

Listen to the full episode on Apple Podcasts, Spotify or follow the link below: https://lnkd.in/gkQHzCBh

08/28/2025

Do you know your tax bracket? Do you care? - You should.

Let's make it a story about a guy named Sam.

Sam is a young and ambitious recent college grad. Sam gets his first job making 50k.

What tax bracket is Sam in? Did you say 22%? WRONG.

Sam gets a standard deduction of 15k bringing his taxable income to 35k. Sam is in the 12% bracket. - Why does Sam care? Well, it might be important for Sam to save into his Roth IRA/401k rather than the pretax 401k.

Let's do another example. It'll be fun? This time our story will center around a young lady named Sam.

This Sam went to college for a long time and is now Sam, PhD. and gets a great job offer out of school and she will get paid 300k to do smart people stuff. It doesn't matter what. Her job starts on November 1st.

What is her tax bracket? Did you say 35%? WRONG

She's only going to have income for two months this year. 300k*(2/12) = 50k - Both Sams make 50k and are in the 12% tax bracket his year. If I'm Sam PhD. I'd be taking full advantage of this and maxing out my Roth 401k by the end of the year and maxing out a Roth IRA before April 15th. All while eating Romen Noodle. I can wait until January 1st to be rich.

One more:

Sam and Sam PhD meet at a tax planning workshop. Nothing says romance like taxes. They fall madly in love and decide to get married on New Years Eve. What tax bracket are the Sam's in for 2025?

Now they have a combined income of 100k for 2025. You've caught on by now and probably nailed this one. - They now get a standard deduction of 30k, bringing their taxable income to 70k. They still get to be in the 12% bracket. At least for this year.

08/27/2025

"I'm retired now, should my portfolio be more conservative?"

Maybe! Maybe not!

One mistake we see is retirees being too conservative. They've been told their entire adult life, that as they get closer to retirement they need to "lock in" those gains.

So, they default to a 60/40 portfolio and that's where their money sits. If they have a million dollars, that's 600k in stocks and 400k in bonds.

Now, consider our buckets:

- Short-term- money you'll spend in the next 5 years

- Mid-term- money you'll spend in 6-9 years

- Long-term- money you won't touch for at least 10 years

If we are in that 60/40 portfolio and have 400k in our short-term bucket, that means we're spending 80k per year plus SS and maybe a pension.

Is our plan really to spend 40% of our assets in the next 5 years? That can be right, but if it's not, it might be time to make some adjustments.

08/25/2025

Exciting news! 🎉

We've just added new topics and locations to our lineup!📍️ Check out the Cultivate Financial Planning Website to explore our fresh additions and discover the perfect fit for your financial goals.

Whether you're looking to invest, save, or simply get a better grasp on your finances, we've got you covered! 📈 Register now and secure your spot for the topic that'll benefit you the most! 💡

Visit website here: https://cultivatefinancialplanning.com/

07/24/2025

We’re planning upcoming podcast episodes and would love your thoughts! What questions do you want answered or topics you’d like us to dive into?

Comment below and let’s make this a conversation you’re part of!

06/09/2025

Did you know? Retirement Edition

05/06/2025

Yesterday we officially launched Cultivate Financial Planning!

I'm excited for this next chapter of my career and to continue to serve my clients and community.

Check out our website to learn more https://cultivatefinancialplanning.com/

And an extra thank you to Madeline Marr for all the work that she did to make this possible!

02/24/2025

If I wrote a post about crypto and sports betting, would you read it?

Do you know about the 3 buckets?

But what about the mysterious bucket number 4?? For those that don't know, the 3 buckets refer to a simple financial planning concept.

Does your friend keep telling you about his crypto? Do you have an individual stock that you just have a good feeling on? Does sports betting just make you happy? Go for it!

My tip? Keep it in bucket 4. Don't risk everything you've worked hard for on something speculative. I don't know what's going to happen with Bitcoin, and neither do you. Let's make sure we can retire either way.

11/22/2024

The best investment strategy depends on what makes you feel comfortable.

How are you feeling about what you invest in? Does it align with your personal interests and comfort levels or do you follow a one-size-fits-all approach? Let me know.

Thank you Drew Norton for taking time to talk about all things investments, it was great to have you on the podcast! To listen to the full episode, go to Apple Podcast, Spotify or the link below: https://roadmaptoretirement.blubrry.net/episode-35-investing-in-your-future/

11/07/2024

Which would you rather have: fulfillment or fortune?

For many, retirement goes beyond just a number. I recently talked about how redefining your goals can add more purpose to your financial planning. Whether it's travel, family, or personal growth, your money can be a conduit for fulfillment.

Go to Roadmap to Retirement on Apple Podcast and Spotify to listen to the full clip

10/21/2024

Thank you for the spotlight Rochester Professionals Under 40

Today's member spotlight is the knowledgeable financial planner Alex Neri, CFP®, ChFC®, RICP®!

Alex is passionate about empowering individuals and families to have the lives they deserve through proper financial planning that keeps a focus on tax planning. Although asset management is critical, his clients find that minimize their tax burden is what separates Alex from other advisors.

Born and raised in Webster, NY, Alex carries a strong sense of community and commitment to those he guides. After graduating from Webster Schroeder High School, he pursued his passion for finance at Mercyhurst University, where he earned his bachelor’s degree. His education continued as he earned his CFP®, ChFC® and RICP® designations. He’s also been committed to reading a minimum of 10 page per day and likes to think that he’s become very well read.

When he's not at the SixPoint Financial Partners office, Alex immerses himself in a variety of pursuits that reflect his enthusiastic personality and diverse interests. As an adjunct professor at St. John Fisher University, he shares his knowledge and passion for finance with the next generation. Outside the classroom, you can find him enjoying the company of his golden retriever puppy, George. He’s a committed fan of the Buffalo Bills and Sabres, following their seasons closely and supporting his teams. With a balance of professional and personal pursuits, Alex approaches life with a grounded and thoughtful perspective.

Alex is an avid networking and would encourage you to reach out!

Here is a link to his profile:
https://lnkd.in/ey_rYQ4k

Join us in congratulating Alex on today's member spotlight!