Is It Too Soon to Scale Back? Rethinking Retirement Risk Timelines

When should you start scaling back risk for retirement? This episode tackles the debate over whether to begin adjusting your investment strategy 10–15 years out or take a more gradual approach. Nick Tumolo shares real client stories about overcoming debt, setting realistic retirement ages, and the power of small changes to make a big difference. Learn why regular checkups, accountability, and diversification—especially when holding concentrated stock positions—are key to a resilient retirement plan. Discover how a personalized, step-by-step approach can help you retire with confidence, no matter what the market brings.


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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.


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