Roth Conversions: Are You Spinning Your Wheels?

Is your Roth conversion strategy keeping you on a financial treadmill? Ken and Nick Tumolo unpack why one-size-fits-all approaches rarely work and how factors like taxes, Medicare, legacy goals, and market performance shape the best moves for your retirement savings. Learn how personalized planning…

Retirement Roadblocks: Why Are We Afraid to Spend?

Are you afraid to spend your savings in retirement—even when the numbers say you’re ready? Ken Tumolo and Nick Tumolo tackle the psychological hurdles that keep retirees from enjoying what they’ve earned. Discover how a solid financial plan, regular checkups, and a conservative approach can help yo…

Gen X and the Retirement Jitters: Facing Fears, Finding Freedom

Is fear of outliving your savings holding you back from enjoying retirement? Ken and Nick Tumalo tackle Gen X anxieties, sharing real stories of clients navigating market scars, and big purchases. Discover why a solid plan can help you balance caution, opportunity, and making memories that last. T…

Retirement Curveballs: Navigating Layoffs and Medicare Changes

What happens when layoffs or sudden changes threaten your retirement and health coverage? The Tumolo’s explore how job loss, market volatility, and shifting Medicare plans can impact your future. Learn why reviewing investment allocations, planning for special election periods, and understanding pl…

Medicare Mistakes That Could Cost You for Years

Could one Medicare mistake haunt your finances for life? Ken Tumolo and team break down the most common pitfalls, from unexpected penalties to costly prescription choices and overlooked Roth conversions. Learn why reviewing your coverage, understanding income thresholds, and timing your financial m…

Is Your RMD Setting You Up for a Tax Surprise?

What would you do if your required minimum distribution (RMD) triggered a six-figure tax bill? This episode unpacks the real-life impact of massive RMDs, why early tax planning matters, and how strategies like Roth conversions can help manage future burdens for you and your heirs. The Tumolo Financ…

Pension or Lump Sum? The Retirement Dilemma Explained

What would you do if you had to choose between a pension and a lump sum payout? Ken and Nick Tumolo unpack the high-stakes decision many retirees face, exploring the pros and cons, common misconceptions, and the risks of relying solely on one income stream. Hear real stories of market downturns, ba…

Medicare Myths: What Retirees Need to Know Before It’s Too Late

Think Medicare is free once you retire? Think again. This episode uncovers the surprising costs and penalties that catch retirees off guard, from Medicare Part B premiums to prescription drug coverage. Alyssa breaks down what you need to know about navigating medical expenses in retirement, why tim…

Is Your 401k About to Get Riskier?

Is your 401k about to get riskier without you realizing it? This episode unpacks the new rules allowing alternative investments in 401ks, the hidden dangers of chasing high returns, and why most people need more guidance than ever. Ken Tumolo and Nick Tumolo share real stories and practical strateg…

Medicare Maze: What Every Retiree Needs to Know This Year

Are you ready for Medicare’s annual enrollment curveballs? This episode breaks down the latest changes, common pitfalls, and urgent planning steps for retirees and those approaching retirement. Discover why most people retire earlier than planned, how health and job surprises can derail your timeli…