The Retirement Decisions You Make This Year Can Echo for Decades

Retiring this year can lock in decisions that follow you for decades. In this episode, Ken and Nick Tumolo walk through the financial moves that matter most when retirement is close, including tax planning, Medicare timing, healthcare costs, and investment allocation. They explain how today’s infla…

Your Financial Super Bowl Needs More Than a Game Day Plan

Winging it might work on game day—but it can derail retirement fast. Ken and Nick Tumolo use Super Bowl season as a backdrop to explain why many people reach the “retirement red zone” without a real plan. This episode explores the difference between chasing investment returns and coordinating incom…

Why Retirement Rarely Happens on Schedule

Many people plan to retire at 65—then life pulls that date closer. In this episode, Ken and Nick Tumolo explore why so many retirees leave work earlier than expected and how even a one‑ or two‑year shift can change the math. The conversation looks at healthcare timing, longevity planning, spending …

How Much Cash Should Retirees Really Hold?

How much cash is enough in retirement—and why does the answer change? Ken and Nick Tumolo explore emergency funds, market downturns, and the role of safe money in retirement planning. Using real market history and client behavior, this episode explains why retirement plans must adapt to how people …

The Retirement Marathon: Are You Running the Right Tax Strategy?

What if planning for retirement has more in common with training for a marathon than you think? In this episode, Ken and Nick Tumolo break down how shifting tax laws, new contribution rules, senior deductions, and the evolving “big, beautiful bill” impact retirees heading into 2026. They explain wh…

The Retirement Withdrawal Mistake More Americans Are Making

What happens when nearly half of pre‑retirees start pulling from their nest egg too early? In this episode, Ken and Nick Tumolo unpack how tapping retirement accounts can reshape long‑term plans—and why the right choice depends entirely on timing, taxes, and cash‑flow needs. With real client storie…

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…