Why Do Even Millionaires Go Broke?

What causes people—from pro athletes to everyday savers—to burn through money faster than they expect? Ken and Nick Tumolo explore how sudden wealth, inheritances, and lack of planning can lead to costly mistakes. They break down why emotional decisions, tax misunderstandings, and delayed strategy …

Is Market Fear Quietly Controlling Your Retirement?

What if the headlines predicting market turbulence are steering your emotions more than your plan? Ken and Nick Tumolo break down why volatility is inevitable—and why behavior often matters more than forecasts. They share how regular reviews, diversification, and thoughtful risk alignment help reti…

The Roth Decision That Could Change Your Retirement Path

What if one decision about your 401(k) could reshape your entire retirement? In this episode, Ken and Nick Tumolo break down the fast‑growing role of Roth 401(k)s, why rising adoption matters, and how contribution choices affect taxes later in life. They explore real client scenarios that reveal ho…

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…