Master Instructor and investor, Paul Orme, joins Merlin for a continuation conversation about the problems with 401k providers and their sneaky ways. Paul talks about the relationship between companies and the 401k providers and how there is a disconnect in fiduciary responsibility for the employees money. To compound this even further, Paul talks about how the Mutual Fund industry worked their way into the mix. The duo also talks about Social Security and some of the considerations individuals nearing retirement should focus on.