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 income, taxes, Social Security, and estate planning. Through real‑world examples, they highlight how planning—not guesswork—shapes decisions like when to retire, where to live, and how to spend confidently. It’s a practical conversation about building a retirement strategy that accounts for more than just the market.

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Ken Tumolo and his son Nick Tumolo join you on Tumolo Financial Radio to offer solutions and strategies for your retirement planning needs. With decades of financial planning experience, Ken and Nick offer tax recommendations, estate planning advice, Social Security maximization, wealth management, retirement income planning and much more.