Coffee with Your Retirement Coach

Our coaches seek to enhance your life by encouraging you to create sound financial strategies that carry you through your desired retirement plans. The content on this podcast is for educational and entertainment purposes only, and should not be construed as advice.

Why Appreciated Assets Might Be Your Best Gift Yet 08/01/2025

Why Appreciated Assets Might Be Your Best Gift Yet In this episode, we tackle one of the most overlooked and impactful ways to give—through appreciated assets. Whether you’re thinking about supporting your church or blessing a loved one, we break down how to give more wisely and tax-efficiently. This conversation was inspired by a listener from Marietta, and we couldn’t resist diving deeper into this topic that stirs up both generosity and smart planning. Join Randy, Nic, and me (Aaron) as we explore two powerful angles: giving to charities versus giving to individuals. You’ll hear real-life stories, key strategies to avoid unnecessary taxes, and tips on how to be generous without creating financial complications for your recipients. If you’ve ever wondered whether to write a check or gift appreciated stock instead—this episode’s for you. Episode Timeline: [0:00] Welcome & Introduction [0:30] Two Paths for Giving: Cash vs. Appreciated Assets [1:08] Giving to Charity: The Charitable Version [2:09] Real-Life Example: Gifting to Family [4:16] Gift Tax Rules & Bracket Management [5:38] Special Considerations: Disabilities & Financial Aid [7:27] Generosity Spurs Generosity [8:24] Key Takeaways & Final Thoughts [8:54] Disclaimers & Contact Info Key Takeaways: Donating appreciated assets can help you avoid capital gains taxes and provide a bigger benefit to charities. Gifting investments to family members in lower tax brackets can be a win-win, but be mindful of gift tax limits and special situations. Always seek professional advice to ensure your generosity doesn’t unintentionally impact someone’s benefits or financial aid. Links & Resources: Email us your questions: Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 Learn more about our team: Thanks for being generous with your time. If you enjoyed today’s episode, please follow, rate, and share the podcast. And don’t forget to leave us a review—your feedback helps us serve more coachable people like you! 🛑 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. /episode/index/show/coffeewithyourretirementcoach/id/37632510

Way More Generosity, Way Less Taxes - Part Deux 07/18/2025

Way More Generosity, Way Less Taxes - Part Deux In this episode of Coffee With Your Retirement Coach, we’re continuing the conversation around intentional generosity and smart tax planning with Charitable Remainder Trusts (CRTs). Building on our last episode, we dive deeper into how these trusts can transform your giving strategy while creating powerful tax and income benefits. Whether you’re a generous giver, a savvy investor, or both, this episode is packed with strategies to help you build a lasting legacy and minimize your tax burden. We share real-life client stories, break down the components of CRTs, and explore how combining them with Roth conversions can dramatically reshape your retirement plan. You’ll also hear us discuss tools like donor-advised funds and the vital role collaboration between financial planners, CPAs, and attorneys plays in making it all work. If generosity and tax savings are part of your future, you don’t want to miss this one. Episode Timeline [0:00] - Welcome back and celebrating Marietta’s culture of generosity [2:15] - Why Charitable Remainder Trusts (CRTs) are ideal for the “middle-class millionaire” [3:00] - CRT benefits: tax deductions, Roth conversions, income, and legacy impact [5:10] - Demystifying trusts and how CRTs aren’t just for the ultra-wealthy [6:30] - Real-life example: Jim and Margot’s CRT strategy and $600k Roth conversion [10:12] - How CRTs provide living benefits and leave a charitable legacy [12:20] - Using donor-advised funds for flexibility and multigenerational giving [14:35] - Why execution matters: the need for experts and coordination [17:45] - Strategic planning for tax-free income and generational wealth [20:10] - Setting goals for your “tax matrix” and long-term tax-free strategies [21:00] - Why coordinated planning between professionals is how you win Links & Resources Contact our team: Learn more: About Donor-Advised Funds: If this episode inspired you to rethink your giving or tax strategies, share it with someone who needs to hear it! And don’t forget to rate, follow, and leave a review—we’d love to hear how this helped your financial journey. Stay generous, and as always, 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. /episode/index/show/coffeewithyourretirementcoach/id/37458030

How to Safeguard Your Wallet While Shopping Online in 2025 07/04/2025

How to Safeguard Your Wallet While Shopping Online in 2025 It's July Fourth, and in this episode of Coffee with Your Retirement Coach, Nic and I kick things off with holiday cheer, backyard BBQs, and a few firework fails—yes, my pyrotechnic history makes a brief, reluctant appearance! But while the grills are hot and online sales are hotter, we shift focus to something far more important: how to protect yourself from online shopping scams. We break down the latest tactics scammers are using, especially around big holiday sales and through social media ads, phishing texts, and fake websites. More importantly, we share how you can still take advantage of the convenience and deals of online shopping—safely and confidently. Plus, we’re giving away some special goodies and a free checklist to help you stay scam‑free this summer! Episode Timeline: [0:34] – Celebrating the Fourth: Fireworks, grilling, and family fun [2:15] – Marietta Square memories and small-town community charm [4:10] – Holiday deals and the draw of themed online shopping [5:45] – The rise of fake websites and too-good-to-be-true offers [7:30] – Why you should never click links in promotional emails [8:00] – Spotting phishing scams via text and how to respond [10:20] – The safest way to pay online: credit cards vs. debit cards [12:55] – Real-life scam story: credit card fraud caught in action [15:00] – How to use points and perks wisely on your credit cards [16:40] – Social media ad scams and how to avoid them [17:30] – Free one-sheet checklist offer to stay scam-safe Links & Resources: 🎁 Get your free scam-awareness checklist by emailing: [email protected] ☕ Win a bag of Retiree Roast Coffee – tell us how you celebrate the 4th of July (first four entries win!) 📬 Questions? Email: [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 If this episode reminded you of someone, please share it! 🛑 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. /episode/index/show/coffeewithyourretirementcoach/id/37274430

Don't Make These Roth Conversion Mistakes! 06/06/2025

Don't Make These Roth Conversion Mistakes! Does the phrase “tax-free” curl your toes? Then you’ll want to grab your mug and join the team for this episode focused on Roth conversions — and more importantly, the mistakes people often make when trying to convert retirement funds to a Roth account. Your hosts Aaron, Nic, and Randy bring their signature blend of insight, humor, and clarity to help you avoid costly missteps and understand the strategic importance of Roth conversions done right. 💡 Quick Takeaways: Don’t overconvert — watch for Medicare and tax thresholds Market dips = Roth conversion opportunities Use non-IRA money to pay the taxes Coordinate between financial planners and CPAs Start small to activate the five-year clock Chapters: 00:00 – Introduction: The appeal of tax-free growth and Roth conversions 00:18 – Meet the coaches: Aaron, Randy, and Nic discuss their passion for Roth strategies 00:43 – Two gateways to Roth: Contribution vs. Conversion (focus on conversion mistakes) 01:09 – Why mistakes happen: Overlooking rules and the importance of understanding them 02:07 – The importance of wise counsel: Consulting tax and financial professionals 03:11 – Mistake #1: Converting too much in one year (impact on Medicare premiums) 03:37 – Mistake #2: Not coordinating Roth conversions with Required Minimum Distributions (RMDs) 04:34 – Mistake #3: Attempting to convert RMDs to Roth (not allowed) 04:57 – Mistake #4: Forgetting about state income tax exposure 05:21 – Mistake #5: Not converting during a market downturn (opportunity for tax-free growth) 06:08 – Mistake #6: Believing you need wages to do a Roth conversion 07:52 – Mistake #7: Withholding taxes from the IRA during conversion (why it’s a problem) 08:25 – Mistake #8: Letting your CPA drive the plan without input from your financial professional 09:24 – Real-life example: The importance of communicating your goals to your CPA 10:07 – Generic rules vs. specific planning: Why context matters 10:15 – Mistake #9: Missing the Roth conversion deadline (must be done by year-end, not tax filing date) 11:02 – Mistake #10: Waiting until the last minute to convert (custodian processing delays) 11:32 – Bonus mistakes: Over-contributing, exceeding income limits, and missing low-tax-bracket opportunities 13:01 – The value of proactive tax planning: How missed opportunities can cost hundreds of thousands 15:21 – The importance of collaboration between financial planners and CPAs 16:30 – Encouragement: Don’t disqualify yourself from considering a Roth conversion 17:00 – Playground analogy: Forced taxation and planning for the future 17:26 – Technical note: The two five-year rules for Roth IRAs and Roth 401(k)s 18:30 – Final takeaways: • Don’t eyeball your conversion—calculate and leave margin • Consider all taxes (state, federal, Medicare) • Use outside funds to pay conversion taxes • Collaborate with all your advisors 19:35 – Outro: How to contact the coaches, share the podcast, and important disclaimers 📬 Questions? Email: Connect with us on Facebook: If this episode reminded you of someone, please share it! 🛑 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. /episode/index/show/coffeewithyourretirementcoach/id/36887510

Mixing Family and Business Successfully 05/23/2025

Mixing Family and Business Successfully In this episode of Coffee With Your Retirement Coach, the the coaches discuss the sweet and sometimes salty world of family businesses. Just like peanut butter and chocolate, mixing family and work can be delightful or a sticky mess. From establishing clear boundaries to personal journeys of stepping into the family business, expect a blend of humor and wisdom. Discover how respect, communication, and a bit of coaching can transform family-run enterprises into well-oiled machines. Through real-life stories and practical advice, learn how to avoid turning family dinners into boardroom brawls. So grab your coffee, and maybe a cookie, and get ready to laugh and learn your way to family business success. 00:00 Introduction: Family and Business Dynamics 00:25 The Importance of Boundaries and Communication 00:48 Personal Stories: Randy and Nic's Journey 01:57 Nic's Career Path and Realizations 04:52 The Impact of Financial Planning 07:27 Joining the Family Business 12:01 Coaching and Mentorship 19:50 Respect and Communication in Family Business 21:05 Addressing Family Dynamics in Business 21:29 Setting Clear Expectations and Roles 23:26 The Importance of Coaching and Guidance 24:45 Structuring Family Business for Success 32:55 The One-Year Experiment for Business Owners 39:05 Final Thoughts and Takeaways Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you. Have a question for the coach? Send it in to [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 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. /episode/index/show/coffeewithyourretirementcoach/id/36685425

Why Being a Chicken Could Derail Your Retirement Plans 05/09/2025

Why Being a Chicken Could Derail Your Retirement Plans In this episode of Coffee With Your Retirement Coach, Aaron, Nic, and Randy explain how to avoid operating out of fear and sticking with your plan amidst market volatility. They discuss overcoming financial fears, the value of knowledge and confidence, and the need for a comprehensive approach that includes tax planning and estate considerations. Listen to learn how to stick to the plan instead of being a big chicken! 00:00 Introduction: Facing Financial Fears 00:28 Meet the Hosts: Nic, Randy, and Aaron 00:59 The Importance of a Solid Financial Plan 01:58 Navigating Market Volatility 03:01 Retirement Planning Essentials 04:32 Understanding Market Pullbacks 06:48 The Role of Confidence in Investing 13:32 Beware of Financial Product Pitches 20:08 The Value of Diversification 22:19 Tax Strategies for Low Rates 22:57 Capital Gains and Market Opportunities 24:23 Diversifying Taxes and Investments 25:20 Retirement Tax Myths 31:49 Estate Planning Essentials 39:04 Taking Action and Enjoying Retirement 42:23 Final Thoughts and Encouragement *Episodes We Mentioned* Luck Is Not a Plan: https://youtu.be/IL-YLSklXPY?si=bd0NN5dPPJlaB_h1 Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you. Have a question for the coach? Send it in to [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 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. /episode/index/show/coffeewithyourretirementcoach/id/36501240

From Rapids to Returns: Investment Tactics for Turbulent Times 04/28/2025

From Rapids to Returns: Investment Tactics for Turbulent Times In this episode of Coffee With Your Retirement Coach, Aaron and the team cast off into a discussion on retirement planning in the current market conditions by comparing it to navigating choppy waters. From pontoon boats to Navy seal power rafts, they illustrate how different investment strategies cope with turbulent markets. The focus is on understanding passive asset allocation, active management, and tactical management. Whether you're accumulating wealth or retired and drawing income, the coaches emphasize the importance of having a balanced, well-managed portfolio. Tune in for insights on managing your investments through volatile economic times, ensuring you stay afloat no matter the conditions. 00:00 Spring in Atlanta: Braves, Lakes, and Investments 00:31 Meet the Coaches: Randy and Nic Yeomans 00:43 Navigating Rough Waters: Investment Strategies 02:47 Understanding Investment Styles: Passive, Active, and Tactical 06:16 The Importance of Tactical Management 10:20 Real-Life Analogies: Boats and Investment Strategies 15:22 Choosing the Right Investment Approach 18:33 Retirees and Defensive Portfolios 19:39 The Importance of Client Education 20:24 Technical Difficulties and Humor 20:56 Balancing Safety and Growth in Retirement 22:10 Navigating Market Volatility 23:57 The Role of a Financial Advisor 29:57 Key Takeaways for Retirement Planning 33:11 Conclusion and Contact Information Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you. Have a question for the coach? Send it in to [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 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. /episode/index/show/coffeewithyourretirementcoach/id/36330950

A Night with the Best: Stories, Lessons, and a Big Announcement 04/14/2025

A Night with the Best: Stories, Lessons, and a Big Announcement In this special episode of Coffee with Your Retirement Coach, Aaron, Nic and Randy host from Jim R. Miller Park at the Best of Cobb event, celebrating the recognition of Yeomans Consulting Group as the Best Investment Firm in Cobb County. The episode features interviews with local business leaders and innovators, including representatives from Must Ministries, Glover Park Brewery, and Affinity Home Lending. We also welcome a very special guest- Ms. Cobb County! Topics covered include the importance of literacy, workforce development using AI, community service initiatives, and the impact of strong leadership and team building. The hosts reflect on the power of generosity, perseverance, and the diverse paths to success, providing listeners with inspiring stories and valuable insights. 00:00 Success Stories and the Power of Literacy 00:31 Welcome to Coffee with Your Retirement Coach 00:51 Celebrating Achievements and Community Impact 02:31 Interviews with Inspirational Leaders 04:22 Workforce Development and AI Technology 08:50 Spreading Literacy Through Reading 11:16 The Strand Theater: A Community Gem 15:56 Bullock Hope House: A Haven for Patients 19:30 Protecting Your Brand: Insights from an IP Lawyer 26:46 Crafting Excellence: The Journey of a Brewmaster 31:08 The Power of Sharing Knowledge 31:48 Community and Neighborly Bonds 32:26 Glover Park Brewery's Community Impact 33:20 Memorable Events and Celebrations 34:09 Supporting Charitable Causes 35:13 Reflections on Entrepreneurship 37:34 The Importance of Community Support 40:00 Must Ministries' Impact and Growth 57:24 Affinity Home Lending's Community Role 01:03:45 Celebrating Success and Generosity 01:06:49 Closing Remarks and Acknowledgements Have a question for the coach? Send it in to [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 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. /episode/index/show/coffeewithyourretirementcoach/id/36104760

Navigating Widowhood with Lee Ann Cartwright 03/31/2025

Navigating Widowhood with Lee Ann Cartwright In this heartfelt episode of Coffee with Your Retirement Coach, we discuss the realities of widowhood. Joined by special guest Lee Ann Cartwright, we explore the journey of grief, the healing process, and the critical role of support systems. With valuable insights on handling social changes, thoughtful conversations about loss, and practical advice, this episode aims to provide comfort and guidance to those navigating life after loss. Whether you're going through the process or supporting someone who is, there's something meaningful to take away. Tune in to learn empathetic and practical ways to move forward instead of moving on. 00:00 - Introduction 02:15 - Lee Ann's Personal journey of loss Initial struggles and adjustments 10:45 - Coping with grief and support systems 18:30 - Financial and legal considerations 25:50 - The role of family and friends, support groups, and resources 32:10 - Rebuilding life after loss 40:00 - Addressing common concerns and some final words of encouragement Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you. Have a question for the coach? Send it in to [email protected] Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 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. /episode/index/show/coffeewithyourretirementcoach/id/35931385

Is There a Pot of Gold at the End of the Tariff Rainbow? 03/18/2025

Make Retirement Healthy Again - Episode 29 03/03/2025

Is Your Residence An Investment or Expense? - Episode 28 02/17/2025

Is Your Residence An Investment or Expense? - Episode 28 In this episode of Coffee With Your Retirement Coach, Aaron and Randy Yeomans dive into the critical debate of whether a home is an investment or an expense. Joined by Greater Atlanta realtor, Kad Mendoza, the discussion offers deep insights into the current housing market, the importance of prepping your home for sale, and the key mistakes to avoid both when selling and buying property. From understanding the 'real estate parade' to critical lending advice, this episode is packed with practical tips and long-term strategies for making smart real estate decisions. Whether you're considering a major move or looking to optimize your current living situation, tune in for expert advice that can help you make informed and financially sound choices. 00:00 Introduction to Investment vs Expense 00:29 Meet the Guests: Randy and Kad 01:03 Current Real Estate Market Insights 03:04 Preparing Your Home for Sale 04:58 Common Mistakes in Home Selling 07:49 Evaluating Home Improvements 16:30 Buying a Home: Key Considerations 17:39 Financial Planning for Home Buying 20:43 Common Mistakes When Buying a Home 20:49 Importance of a Knowledgeable Real Estate Agent 22:18 Seeing Potential in a Property 24:10 Considering Future Needs in Home Buying 26:40 Downsizing and Financial Planning 31:55 Preparing Your Home for Sale 34:09 Choosing the Right Offer and Lender 35:36 Moving to a New Community 37:13 Final Thoughts and Advice Have a question for the coach? Send it in to Connect with us on Facebook: 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. /episode/index/show/coffeewithyourretirementcoach/id/35298865

The Retirement Playbook - Episode 27 02/03/2025

The Retirement Playbook - Episode 27 In this episode of Coffee With Your Retirement Coach, Aaron and Nic Aaron break down retirement strategies using the only thing appropriate during Super Bowl Season: football analogies. From understanding the importance of getting employer matches on your 401(k), to tax considerations, to estate planning and the nuances of Social Security, this episode is packed with the high level game plan you need to win in every area of the retirement game. Whether you're in the first quarter of your career or approaching the final whistle, discover how to optimize and protect your retirement savings. Tune in, grab your coffee, and get ready to win! 00:00 Introduction: Retirement and the Big Game 00:42 Doing the Superbowl Right at the Yeomans House 01:39 Drawing Parallels: Retirement and Winning Strategies 02:17 Breaking Down the Retirement Playbook 03:06 Optimizing Your Retirement Plan 04:14 Reviewing and Adjusting Your Financial Plan 05:39 Tax Strategies for Retirement 09:35 The Importance of Estate Planning 18:26 The Importance of Naming Multiple Successors 19:23 Updating Estate Planning Documents 20:21 Healthcare Power of Attorney for Adult Children 21:26 Reevaluating Beneficiaries 21:37 Story Time: A Cautionary Tale 23:47 The Role of Beneficiary Forms 26:03 The Complexity of Social Security 30:37 Building a Winning Retirement Team 33:45 Final Thoughts and Encouragement Have a question for the coach? Send it in to Connect with us on Facebook: 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. /episode/index/show/coffeewithyourretirementcoach/id/35123400

What You Need to Know About The Social Security Fairness Act - Episode 26 01/20/2025

Lessons & Stories for Business Owners, Entrepreneurs, & Financial Advisors - Episode 25 01/19/2025

Keep Uncle Sam Off Your Christmas List - Episode 24 12/23/2024

Keep Uncle Sam Off Your Christmas List - Episode 24 Join Aaron and Nic in this episode of Coffee with Your Retirement Coach as they discuss the challenges of holiday gifting while managing taxes. They detail how to make sure Uncle Sam isn't on your Christmas list by balancing generosity with smart financial planning, sharing valuable lessons on utilizing Qualified Charitable Distributions (QCDs), Donor-Advised Funds (DAFs), and gifting appreciated assets. The episode is packed with actionable tips for retirees and anyone looking to make impactful, tax-efficient gifts. Tune in for stories, strategies, and advice on how to give thoughtfully during the holiday season. 00:00 Introduction and Common Holiday Gifting Dilemma 00:30 Combining Generosity with Smart Financial Planning 01:17 A Black Friday Story: Lessons in Generosity 03:32 The True Purpose of Gift Giving 04:39 Maximizing Tax Benefits with Charitable Giving 05:45 Understanding Qualified Charitable Distributions (QCDs) 13:09 The Power of Donor Advised Funds (DAFs) 17:57 Generosity and Financial Planning 18:42 Establishing and Managing Donor Advised Funds 19:24 Guardrails and Financial Considerations 20:45 Gifting Highly Appreciated Assets 24:41 Living Legacy and Tax Strategies 30:30 Charitable Remainder Trusts 34:05 Recap and Final Thoughts Have a question for the coach? Send it in to Watch on YouTube: Connect with us on Facebook: . 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. /episode/index/show/coffeewithyourretirementcoach/id/34567395