Still think a will avoids probate? Or that long-term care won’t impact your retirement plan? In this episode of Financially Fluent, Ray Godleski sits down with estate planning attorney Holly Gerdas to clear up the most common (and costly) misconceptions about wills, trusts, probate, and long-term care. They dive deep into the realities facing retirees, business owners, and parents—including those with special needs children—when it comes to protecting assets and avoiding devastating surprises. In this packed episode, you’ll learn:✅ Why a will does NOT avoid probate—and what documents really protect your family✅ The truth about revocable vs. irrevocable trusts, and when you need each✅ How to use life insurance with long-term care riders to protect retirement savings✅ What parents of special needs children need to do now to avoid legal and financial pitfalls✅ How caregiver burnout and lost income are affecting millions—and how proper planning can help✅ What the State of Washington's long-term care tax means for the rest of the country 🎧 Tune in now to learn how to protect your family, your assets, and your legacy—without falling for common myths or waiting until it's too late. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 [email protected] welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

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