Many investors fall into recognizable patterns—behaviors that can create challenges during retirement. Whether it’s reacting too quickly to market swings, holding onto the wrong investments, or waiting for the perfect moment that never comes, these habits can affect your long-term retirement goals.In this episode, you’ll meet four common investor types: the panic seller, the sideliner, the clinger, and the looky-loo. Each one reflects a different emotional approach to investing, but there are also strategies to counter these tendencies. From dollar-cost averaging and diversification to tax loss harvesting, you’ll learn ways to turn uncertainty into opportunity.

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Ready to take the next step? Schedule a call now at https://bit.ly/4msJwyt to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/41opXPl

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp

CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

When it comes to investing for retirement, not all the advice you hear is accurate or helpful. Today, we’re putting eight common retirement investment beliefs to the test in a round of Retirement Fact or Fiction.

Drawing on real-life examples, historical data, and years of helping families and individuals plan for retirement, Loren Merkle and Haley Gutschenritter join Molly Nelson to explain why some of these statements hold up—while others may create confusion.

These are statements we hear often—statements that can influence retirement decisions. But just because they’re common doesn’t necessarily make them accurate.

1. Fact or Fiction: “The stock market is too risky for retirees.”

2. Fact or Fiction: “It’s safer to keep money in a savings account.”

3. Fact or Fiction: “Bonds are always safer than stocks.”

4. Fact or Fiction: “I can just live off the dividends and never touch my principal.”

5. Fact or Fiction: “I should avoid taking money from investments when the market is down.”

6. Fact or Fiction: “I can just follow the 4% rule and never run out of money.”

7. Fact or Fiction: “Market timing is key to high returns.”

8. Fact or Fiction: “Annuities are always a bad investment.”

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Ready to take the next step? Schedule a call now at https://bit.ly/45FD9k4 to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/41PHm3x

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Haley Gutschenritter

CFP®

https://merkleretirementplanning.com/staff-members/haley-gutschenritter/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Retirement planning isn’t just about your investments — it’s about your lifestyle, your goals, and how you want to live every single day after you stop working. In this episode of Retiring Today, we reveal seven essential questions that every financial advisor should ask you as you prepare for retirement.

From Social Security election strategies to building recession-resistant income, this conversation highlights the value of personalized planning, tax diversification, and long-term care strategies that actually reflect how people live in retirement.

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Ready to take the next step? Schedule a RetireReady Call now at http://bit.ly/41sY3lb to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Jm0bVC

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods

Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Many Americans approaching retirement ask, “How do I stack up?” In this episode, Loren Merkle and Chawn Honkomp explore how average retirement savings vary by age and income—and why those numbers don’t tell the whole story. While national benchmarks offer context, your retirement readiness depends on your lifestyle, where you live, and the strategies outlined in your retirement plan. Discover how having a written retirement plan can help bring clarity—even if you’re not yet at the number you once envisioned.

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Ready to take the next step? Schedule a 15-minute RetireReady Call at https://bit.ly/3GP5lZG to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3ITDbx8

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp

CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Market swings can feel unsettling, especially as retirement approaches. In this episode of Retiring Today, Loren Merkle and Clint Huntrods join Molly Nelson to explain why some of the best market days often follow the worst—and what that means for your retirement investments. They discuss how emotions, world events, and economic uncertainty influence markets, and how a retirement plan can help you stay grounded.

From staying invested during downturns to strategies such as Roth conversions and dollar-cost averaging, this episode provides a research-based perspective aimed at helping you navigate market unpredictability with confidence and clarity.

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Ready to take the next step? Schedule a call now at https://bit.ly/4eBqNO5 to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/44Q73mv

--

Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods

Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Long-term care is one of the most overlooked—but essential—parts of retirement planning. This episode breaks down what long-term care actually includes, how much it may cost, and why it’s important to have a plan that integrates long-term care before exploring insurance options. A hypothetical example illustrates how long-term care costs can affect a retirement portfolio and the types of solutions available today, from hybrid life insurance to investment-based strategies. With the right planning, you can move forward with clarity and confidence.

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Ready to take the next step? Schedule a call now at https://bit.ly/44EE4St to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Tipp9q

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

AnnaMarie Morrow

Director of Medicare & Long-Term Care

https://merkleretirementplanning.com/staff-members/annamarie-morrow/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Taxes don’t stop when your paycheck does, and what you think you know about taxes in retirement could cost you. In this episode of Retiring Today, we break down five common assumptions about retirement taxes and reveal whether they’re fact or fiction.
Each statement is explored in detail to help you understand how retirement income, account types, and where you live can all shape your future tax bill.
These five retirement tax beliefs are put to the test:
Fact or Fiction: My taxes will be lower in retirement.
Fact or Fiction: Social Security benefits are tax-free.
Fact or Fiction: Qualified Roth IRA withdrawals are always tax-free.
Fact or Fiction: RMDs only apply to traditional IRAs.
Fact or Fiction: Moving to a no-income tax state eliminates all taxes.
If you are preparing for retirement, this conversation will help you separate myth from reality and build a more informed plan for the future.
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Ready to take the next step?  Schedule a call now at https://bit.ly/44vkHew to get answers to your retirement questions.
Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4liS4ab
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Loren Merkle
CFP®, RICP®, Certified Financial Fiduciary®
https://merkleretirementplanning.com/staff-members/loren-merkle/
Haley Gutschenritter 
CFP®
https://merkleretirementplanning.com/staff-members/haley-gutschenritter/
Molly Nelson
Host of Retiring Today with Loren Merkle
https://merkleretirementplanning.com/staff-members/molly-nelson/
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.
Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Legacy planning is more than just deciding who gets what—it's about making things easier for your loved ones and making sure your wishes are honored. This episode walks through five common estate planning mistakes that can cause stress, confusion, and financial problems down the road. We talk about the power of updating your beneficiaries, why having a will or trust matters, and how to make sure your spouse is taken care of if something happens to you.

This episode covers topics like estate planning, legacy planning, retirement planning, wills and trusts, beneficiary designations, powers of attorney, Social Security planning, and more—so you can plan with confidence and achieve peace of mind.

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Ready to take the next step? Schedule a call now at https://bit.ly/3ZtIQ2x to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3FSU8GS

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Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp

CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

You’ve saved, you’ve budgeted, and you’ve run the numbers—but have you really thought about how you’ll live in retirement? In this episode, we highlight common lifestyle pitfalls that can lead to boredom, frustration, or missed opportunities.

We explore four key traps many retirees fall into: making emotional decisions, spending too little out of fear, letting others’ opinions influence your choices, and entering retirement without a clear sense of purpose.

This episode shines a light on the lifestyle pillar, offering insights to help you align your time, values, and resources—so your retirement feels intentional and meaningful.

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Ready to take the next step? Schedule a call now at https://bit.ly/4jDirGq to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/45Jd59n

--

Loren Merkle

CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp

CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson

Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

When was the last time you thought about your estate plan—or whether you even have one? In this episode, Loren Merkle and Molly Nelson sit down with estate planning attorney Charlie Bottenberg to explore why legacy planning matters and how it fits into a comprehensive retirement plan.

If you haven’t created your own plan, the state already has one for you—and it might not reflect your wishes. Learn the difference between a will and a trust, how to avoid probate, and what happens if powers of attorney and medical directives aren’t in place when you need them most. This episode is for anyone looking for clarity and confidence as they prepare for the future.

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Ready to take the next step? Schedule a call now at https://bit.ly/43jVtiT to get answers to your retirement questions.

Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/456rOLv

--

Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

Charlie Bottenberg

https://brickgentrylaw.com/attorneys/charlie-bottenberg

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.