In today's conversation, we tackle a reality more people are facing: living to 100 is becoming the new normal. Over the last century, we've been gifted an extra 30 years of life expectancy, but this blessing comes with serious questions. Will our health hold up? Will our money last? The old "retire and die in a few years" model is officially broken, and we need a completely different approach to planning. Together, Randy, Nic, and Aaron explore what it really takes to thrive through a 30-year retirement.

From the #1 "medication" for quality longevity (spoiler: it's not a pill) to the three financial "silent killers" eroding your spending power, this episode is packed with practical wisdom. Whether you're planning to stay active, maintain community connections, or ensure your investment portfolio can weather multiple economic seasons, we're breaking down how to make your resources as resilient as your spirit.

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⏱️ Episode Timeline & Highlights

[01:16] – More people are living to 100, what this mean for your retirement plan

[03:43] – Why the "retire and die" model is extinct: Live Long, Die Short

[05:35] – The #1 "medication" for longevity [06:19] – Why isolation kills, and community connection heals

[09:59] – The three financial silent killers: healthcare, taxes, and inflation

[12:09] – Real inflation for retirees is closer to 6%, not 3%

[15:15] – The "Probate Judge Test" for prudent investing

[18:52] – Why liquidity matters when government and markets keep changing

[20:06] – Get a second opinion, your money is too important not to

[23:06] – Building a plan that works through chaos and change

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Links & Resources Mentioned

• Book: Live Long, Die Short by Dr. Roger Landry

• Email the coaches: connect@yourretirementcoach.com

• Yeomans Consulting Group – Comprehensive retirement planning in Marietta, Georgia

• Subscribe to Coffee with Your Retirement Coach on your favorite podcast platform

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If today's episode made you realize your current plan might not last as long as you think, don't wait for a financial "flat tyre" to check your preparation. Living to 100 requires intentional planning, physically, socially, and financially. The good news? With the right prescriptions (exercise, community, and coordinated financial strategy), you can thrive for decades, not just survive. Subscribe so you never miss a coaching session, and if this helped you, please rate, review, and share with someone planning for the long haul. Stay coachable!

🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

If you're over 50 and even *thinking* about probate, accidental inheritance, or whether your estate plan will actually work the way you intend—it's time to grab a cup of coffee and lean in. In today's episode, we dive into the real-world estate planning mistakes we see far too often, and why having "the documents" doesn't necessarily mean you have a plan.

We unpack why so many well-intentioned families still end up in court, accidentally disinherit loved ones, or create unnecessary taxes and family tension. From wills vs. beneficiary forms to revocable living trusts, family communication, and settling your estate *while you're still alive*, this conversation is packed with eye-opening insights and practical clarity to help you protect the people you care about most—without spoilers, but with plenty of "aha" moments.

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## Timeline Highlights

[0:00] – Why probate and accidental disinheritance become top concerns after age 50

[2:25] – The big myth: why having a will does *not* avoid probate

[4:00] – How beneficiary forms silently override your will (Rock beats scissors)

[7:12] – The costly mistake of naming your estate as a beneficiary

[10:38] – "The documents are not the plan": why most estate plans fail

[13:45] – Family communication and the "not me, not now" syndrome

[23:21] – Revocable living trusts explained—and who they're really for

[30:00] – How to truly settle your estate before you pass and protect future generations

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## Links & Resources

* Email the coaches with questions or episode ideas: **connect@yourretirementcoach.com**

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## Like & Share

If today's episode helped you think differently about probate, inheritance, or protecting your family, please take a moment to **follow, rate, review, and share** the podcast with someone who needs to hear it. And as always—thanks for having coffee with us. Stay coachable. ☕

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Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In today's conversation, we sit down with our friend and leadership giant Mark Cole, CEO of Maxwell Leadership Companies, for a powerful deep dive into what it truly looks like to move from success to significance—especially as we enter retirement or the pre-retirement years. This episode is packed with insights on purpose, identity, calling, and what it means for us to step into the next chapter of life with clarity and excitement rather than uncertainty.

Together, we explore the internal shifts that happen when we transition out of a title or high-pressure role, the mindset needed to carry our influence into the future, and the disciplines that help us continue growing well beyond the traditional career "finish line." Whether we're preparing for retirement or stepping into a new season of leadership, this conversation encourages us to pursue purpose intentionally and boldly.

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⏱️ Episode Timeline & Highlights

[3:33] – Welcoming Mark & framing today's conversation.

[6:07] – The global scale of Maxwell Leadership's impact.

[11:08] – The mindset needed for our next chapter.

[16:36] – Redefining success and embracing significance.

[21:46] – Mark's vulnerable identity breakthrough.

[26:37] – How we can build our own Year-End Review process.

[36:36] – Three keys for staying disciplined when motivation fades.

[52:10] – A 30-day challenge to discover our personal "Rule of Five."

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Links & Resources Mentioned

• Maxwell Leadership Podcast – Weekly leadership growth lessons

• Books by John C. Maxwell, including The 21 Irrefutable Laws of Leadership

• Bob Buford – Halftime

• Maxwell Leadership Foundation & iLead Student Curriculum

• Your Retirement Coach / Yeomans Consulting Group

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Closing Thoughts

If today's episode encouraged or inspired you, would you take a moment to rate, follow, share, and review the podcast? It helps us reach more people who want to retire with purpose, passion, and confidence.

Remember—our best days aren't behind us. They are ahead. Let's keep moving toward the future with intention and excitement.