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.
info_outline
Living to 100: Planning for the Long Game
01/09/2026
Living to 100: Planning for the Long Game
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. ⸻ ⏱️ 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 ⸻ Links & Resources Mentioned • Book: Live Long, Die Short by Dr. Roger Landry • Email the coaches: • Yeomans Consulting Group – Comprehensive retirement planning in Marietta, Georgia • Subscribe to Coffee with Your Retirement Coach on your favorite podcast platform ⸻ 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.
/episode/index/show/coffeewithyourretirementcoach/id/39661040
info_outline
A Will Might Not Be Enough: Accidental Disinheritance
12/26/2025
A Will Might Not Be Enough: Accidental Disinheritance
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. --- ## 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 --- ## Links & Resources * Email the coaches with questions or episode ideas: **connect@yourretirementcoach.com** --- ## 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. ☕ --- 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/39536040
info_outline
Retire Like a Leader with Mark Cole
12/12/2025
Retire Like a Leader with Mark Cole
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. ⸻ ⏱️ 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.” ⸻ 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 ⸻ 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.
/episode/index/show/coffeewithyourretirementcoach/id/39389060
info_outline
The Mental Advantage of Gratitude
11/28/2025
The Mental Advantage of Gratitude
In this special Thanksgiving episode, we explore how cultivating an attitude of gratitude can be a game-changer for your mental wellbeing - even when you've achieved significant success in life. I share why some of the most accomplished people can actually feel miserable despite their achievements, and how a simple gratitude exercise can transform your perspective during challenging times. My colleagues and I discuss our favorite Thanksgiving traditions (I'm partial to deviled eggs while my co-host loves smoking turkey), but we quickly dive into the powerful psychology behind gratitude practices. You'll learn a proven four-step exercise that can pull you out of negativity and help you recognize your progress, even when you feel stuck in "the gap" between where you are and where you want to be. TIMESTAMPS 00:00 - Thanksgiving traditions and holiday favorites 01:49 - Why gratitude matters during challenging holiday seasons 03:56 - The paradox: Why successful people often feel unhappy 06:09 - The Positive Focus Exercise: How to count your wins 09:46 - Turning appreciation into action: The full 4-step process 12:08 - How helping others creates a happiness advantage 13:22 - The "Accidental Hero" story: Finding joy in unexpected places 14:49 - Simple ways to be a blessing to others this season 16:34 - How to share your gratitude stories with us LINKS & RESOURCES 📧 Email us your gratitude stories: 📚 Book Recommendation: "The Happiness Advantage" by Shawn Achor 🎙️ Subscribe for more retirement wisdom and financial insights CLOSING THOUGHTS The holidays can be a mixed bag of emotions for many people. Whether you're feeling blessed or struggling through a difficult season, I hope this episode gives you practical tools to find moments of gratitude. Remember, sometimes the smallest gestures of kindness - whether given or received - can make the biggest difference. If you found value in these insights, please like this video, leave a comment sharing what you're grateful for, and subscribe for more retirement wisdom. #RetirementPlanning #AttitudeOfGratitude #MentalWellbeing #FinancialSuccess #ThanksgivingWisdom #RetirementCoach #GratitudePractice #MindsetShift #PositiveFocus #FinancialWellness #WealthManagement #StrategyCoach
/episode/index/show/coffeewithyourretirementcoach/id/39194895
info_outline
The Tax-Free Way to Pass Down a $1MM House
11/14/2025
The Tax-Free Way to Pass Down a $1MM House
In this episode, Nic and I break down one of the most misunderstood concepts in estate planning: step-up in basis. We explain what basis is, why a step-up matters, and how common mistakes can cost your loved ones thousands in unnecessary taxes. If you've ever nodded along in conversations about basis while having no idea what it means, this episode is for you! We share real-world examples of how adding children to property deeds and accounts before death can create massive tax implications that could have been easily avoided with proper planning. TIMESTAMPS 00:00 - Introduction to basis and step-up in basis 00:21 - Why understanding basis matters to your legacy 02:15 - What exactly is "basis" and how does it work? 03:41 - Common mistakes people make with property titles 05:11 - The tax consequences of gifting vs inheriting 06:16 - Why adding children to bank accounts is problematic 06:43 - Better alternatives for estate planning 08:25 - Closing thoughts on staying "coachable" RESOURCES 📧 Have questions? Email us: 🔍 For more retirement planning insights: 📱 Follow us on social media: [links] 📺 Subscribe to our channel for weekly retirement planning tips Thanks for joining us for another episode! Understanding concepts like step-up in basis might seem technical, but getting these details right can save your family significant money and headaches down the road. If you found this helpful, please hit that like button, subscribe to our channel, and share this video with someone who needs this information. Stay coachable, my friends! 🛑 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. #RetirementPlanning #StepUpInBasis #EstatePlanning #TaxStrategy #FinancialEducation #RetirementCoach #CapitalGains #WealthTransfer #InheritanceTax #FinancialLiteracy #TaxOptimization #RetirementTips
/episode/index/show/coffeewithyourretirementcoach/id/39031610
info_outline
Nightmare Retirement Scenarios (The Trilogy)
10/31/2025
Nightmare Retirement Scenarios (The Trilogy)
In this Halloween-themed episode, Nic and I dive into the three scariest assumptions that can haunt your retirement plans. Making the wrong assumptions about healthcare costs, taxes, and inflation can turn your golden years into a financial horror story! We break down shocking statistics about healthcare expenses in retirement (a healthy 65-year-old may need up to $320,000!), explain why your tax bill might actually be higher in retirement than during your working years, and discuss how inflation continues to erode purchasing power. Most importantly, we provide actionable strategies that may protect your retirement from these common planning mistakes. 🕒 TIMESTAMPS: 0:00 - Introduction to retirement planning nightmares 0:53 - Assumption #1: Healthcare costs in retirement 4:23 - Medicare misconceptions and coverage gaps 7:19 - Assumption #2: Taxes will be lower in retirement 10:13 - Tax horror stories and success strategies 13:49 - Assumption #3: The inflation monster 17:48 - Real-life inflation horror stories 20:31 - Actionable inflation-hedging strategies 24:19 - Final thoughts on avoiding planning assumptions 🔗 RESOURCES: 📧 Have questions about Roth conversions or RMDs? Email us: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com) 🎧 Check out our previous episode on HSAs (The Triple Threat of HSAs) 📝 Looking for personalized retirement planning help? Visit: https://www.yeomanscg.com/ As I always say, hope is not a plan! Don't make assumptions about these three critical areas of retirement planning. Whether you're already retired or preparing for the future, take time to investigate your healthcare strategy, tax situation, and inflation protection plan. Stay coachable, my friends! If you found value in this episode, please hit that like button, subscribe to our channel, and share with someone who needs to hear this message. Leave a comment below with your biggest retirement planning concern! 🛑 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/38854340
info_outline
My Spouse Isn’t Good at Finances: How Can I Protect Them After I’m Gone?
10/24/2025
My Spouse Isn’t Good at Finances: How Can I Protect Them After I’m Gone?
Let’s be honest — not everyone loves talking about money. In many marriages, one spouse takes the financial lead while the other says, *“It’s just not my thing.”* But what happens when the person who handles the finances isn’t around anymore? In this episode of *Coffee with Your Retirement Coach*, I sit down with **Coach Nic Yeomans** to talk about how couples can protect themselves — and each other — financially. We break down how to plan, organize, and communicate around money, even when it feels uncomfortable or confusing. Whether you’re the spouse who handles the books or the one who’d rather not think about them, this episode is packed with practical steps for creating clarity, confidence, and peace of mind in your financial life. **Keywords:** retirement planning for couples, financial communication, financial literacy, money in marriage, financial planning, retirement advice, spousal planning, money management --- ### **Timestamps** 00:00 – “It’s just not my thing.” Why money can be a tough topic in marriage 01:07 – How couples divide financial duties (and where that plan fails) 02:32 – What happens when the financial spouse passes first 03:24 – The problem with well-meaning financial advice from friends or family 03:54 – Setting your spouse up for success with financial SOPs and organization 05:02 – Creating financial awareness without overwhelming your partner 06:17 – Why a third-party financial advisor can help bridge communication gaps 07:19 – The importance of empathy and understanding your spouse’s comfort zone 08:30 – How attending financial meetings together builds peace of mind 09:02 – Key takeaways: how to protect your family financially, even if “it’s not your thing” 10:03 – Closing thoughts: stay coachable, stay connected --- ### **Links & Resources** 📧 Contact us: **connect@yourretirementcoach.com** 🌐 Visit **Yeomans Consulting Group** – [Insert link] 🎧 Listen next: [The Nightmare Retirement Assumptions (The Trilogy)] 💼 Learn more about financial planning for couples: [Insert relevant episode link] --- ### **Closing Thoughts** If finances “aren’t your thing,” that’s okay — but your financial security still needs a plan. As Coach Nic says, *“What good is the best-laid plan if it can’t be understood by the person who might need it most?”* If you found this episode helpful, please **like 👍, comment 💬, and subscribe 🔔** to *Coffee with Your Retirement Coach.* --- Your support helps more couples prepare, plan, and retire with confidence. #RetirementPlanning #FinancialCoach #MarriageAndMoney #CouplesFinance #RetirementPodcast #MoneyTalks #FinancialPlanning #RetirementAdvice #FinancialLiteracy #RetirementCoach 🛑 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/38764150
info_outline
Can I Retire with $2.4 Million at Age 58? - Episode 45
10/10/2025
Can I Retire with $2.4 Million at Age 58? - Episode 45
You asked, and we listened. In this episode of Coffee with Your Retirement Coach, we tackle one of the most common questions we get: "I’m 58 and have $2.4 million saved. Can I retire?" But as you'll hear, it’s not just about the number on the page. We dive deep into what that figure could mean for your income, lifestyle, taxes, healthcare, and overall retirement vision. Join us as we break down the math behind the 4% rule and explore the often-overlooked factors that make or break a retirement plan—things like purpose, timing, Social Security strategy, and where and how you want to live. Plus, we share a real-life success story of a couple who made their beachside retirement dreams a reality. **Timeline Summary** [0:06] - The $2.4 million question: Can I retire at 58? [1:25] - Why cash flow isn't the whole picture (think taxes and purpose) [2:38] - What a 4% withdrawal rate means for your retirement income [5:03] - Taking Social Security early: a controversial yet practical option [6:35] - Bridging the healthcare gap before Medicare kicks in [9:38] - The missing piece: lifestyle planning and location-based costs [13:08] - Real-life case: high-end travel vs. smart budgeting trade-offs [14:52] - Tax planning strategies to keep more of what you've earned [16:48] - The power of a retirement coach and building your dream team [18:08] - Client success story: from $2.4M to sunset strolls by the beach **Final Thoughts** Retiring at 58 with $2.4 million? It's possible—but your success depends on your income needs, healthcare planning, tax strategy, and what kind of life you want to lead. If this episode hit close to home, subscribe, share it with a friend, and leave us a review. And as always, stay coachable! 📬 Questions? Email: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com) Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 🛑 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/38535965
info_outline
$5 Million Windfall — Now What?
09/26/2025
$5 Million Windfall — Now What?
What would you do if your company sold, your stock was cashed out, and you suddenly found yourself with $5 million in hand? In this episode, Nic and I dive into the reality of experiencing a once-in-a-lifetime windfall and all the opportunities — and challenges — that come with it. We explore the first critical steps you need to take before making big financial decisions, from understanding the tax implications to planning for long-term income and security. Whether you’re dreaming of retiring tomorrow or just trying to figure out what Uncle Sam’s cut will be, this conversation will give you a grounded perspective on how to approach sudden wealth wisely. Timeline Summary [0:45] – Setting the stage: your company sells, your stock cashes out, and a $5M windfall arrives [3:22] – Why this might be the biggest financial event of your life [6:18] – The first place to start: navigating taxes before spending [9:40] – Real-world examples: from tech startups to natural food brands [12:55] – Breaking down what a $5M payout can actually mean for your future income [16:10] – Retirement readiness: could you really stop working today? [20:45] – Building a strategy to make wealth last a lifetime Links & Resources Learn more at [https://YourRetirementCoach.com](https://yourretirementcoach.com/) Connect with Nic on LinkedIn: https://www.linkedin.com/in/nicyeomans/ Schedule a consultation: https://www.yourretirementcoach.com/free-consultation If you enjoyed this episode, please rate, follow, and leave a review. It really helps spread the word so more listeners can find Coffee with Your Retirement Coach! 📬 Questions? Email: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com) Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 🛑 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/38363905
info_outline
You Hit Your Retirement Number. Now What?
09/12/2025
You Hit Your Retirement Number. Now What?
You’ve done it—you hit your retirement number. 🎉 Now what? In this episode, Nic and I walk through how to shift from saving to spending with intention: building a paycheck from your portfolio, deciding when (and how) to use Roth dollars, and coordinating taxes and healthcare so you don’t accidentally create avoidable costs. We also talk through a real-world success story and the four biggest takeaways I want you to leave with—without spoiling the details. If you’re wondering how to turn a lifetime of saving into a confident, sustainable retirement income plan, press play. ## **Episode Highlights** - [0:36] Welcome back + why “I hit my number” is actually the beginning of a new plan - [3:10] The framework: from accumulation to a deliberate income strategy (paycheck, taxes, timing) - [5:21] The hidden gotcha: healthcare costs and Medicare IRMAA—and why they belong in your income plan - [6:58] Get your team aligned: coordinating with your CPA and other pros before you push the big buttons - [7:35] Funding big purchases (cars, travel, home projects) without derailing the plan - [12:17] A client case study: building Roth strength early to create flexibility later (and calm around RMDs at 73) - [14:13] The four takeaways I don’t want you to miss ## **Links & Resources** - Request your worksheet or ask a question: **connect@yourretirementcoach.com** - Topics mentioned: Roth conversions, Required Minimum Distributions (RMDs at age 73), Medicare IRMAA considerations If you enjoyed this conversation, please **follow, rate, and review** the podcast—and share this episode with a friend who just hit their number. Thanks for listening and for being coachable! 📬 Questions? Email: connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 🛑 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/38190725
info_outline
Required Minimum Distributions
08/29/2025
Required Minimum Distributions
Have you heard of required minimum distributions (RMDs) but aren’t sure how they impact your retirement plan? In this episode of Coffee with Your Retirement Coach, Nic and I unpack everything you need to know about RMD rules, retirement income planning, and tax-smart strategies to avoid costly mistakes. We’ll explain what RMDs are, when they start, how they’re calculated, and the tax implications you need to prepare for. Plus, we share real stories of retirees who were blindsided by RMD requirements—and how the right planning can help you reduce taxes, stay in control of your money, and enjoy retirement with confidence. Whether you’re approaching age 73 or just getting started with retirement planning, this episode will help you build a smarter strategy for your future. --- ⏰ Episode Timeline - [1:00] - Why **required minimum distributions** (RMDs) are a critical part of retirement income planning - [2:20] - Which retirement accounts are subject to RMD rules (and why Roth IRAs are an exception) - [3:37] - A powerful story: an engineer nearing retirement who had no idea about RMDs - [5:42] - How RMDs are calculated using your year-end balance and the IRS life expectancy tables - [7:33] - Flexibility in choosing which retirement account to withdraw from—and key caveats to know - [9:11] - The truth about how RMDs are taxed as ordinary income, and one costly mistake to avoid - [11:12] - Why you need an **RMD strategy** before age 73: Roth conversions, charitable giving, and more - [12:36] - How market growth and IRS rules can push you into higher tax brackets over time - [14:24] - A client story showing why even some CPAs misunderstand required minimum distributions - [16:20] - Free resource: our **one-page RMD worksheet** to prepare for conversations with your CPA or advisor --- 🔗 Links & Resources - Request the RMD CPA Worksheet by emailing: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com) - Learn more at [Yeoman’s Consulting Group](https://yourretirementcoach.com/) If you found this episode helpful, please rate, follow, review, and share Coffee with Your Retirement Coach. 📬 Questions? Email: connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 🛑 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/38005530
info_outline
How to Buy a Car and Actually Get a Great Deal
08/15/2025
How to Buy a Car and Actually Get a Great Deal
Thinking about buying a car? Before you sign on the dotted line, grab your coffee and join me and our coach on the clipboard, Nic, as we share *proven* car-buying strategies that can save you thousands. Whether you’re eyeing a new, used, or certified pre-owned vehicle, this episode reveals how to negotiate like a pro, avoid dealership traps, and understand the *true* cost of ownership. We’ll break down the difference between sales price and “Out the Door” pricing, how to factor in maintenance, insurance, fuel, and even resale value. Plus, you’ll hear how Nic saved a client $11,000 on a Lexus and why buying an unpopular car at the right time can be a genius money move. This is your roadmap to a smarter, stress-free car purchase—no buyer’s remorse required. **Episode Timeline:** [00:40] - Why most people overpay for cars—and how to avoid it. [02:22] - The “time limit” tactic that makes dealerships work faster. [05:20] - Real story: How research turned a $11K overpay into a huge win. [08:00] - New vs. used: The millionaire’s approach to vehicle buying. [12:28] - Calculating total cost of ownership (insurance, fuel, and more). [16:45] - “Out the Door” pricing: The number that *really* matters. [22:33] - The contrarian strategy: Why buying the car nobody wants can be brilliant. **Links & Resources:** - *The Millionaire Next Door* by Thomas J. Stanley & William D. Danko - MSN Autos: [msn.com/autos](https://www.msn.com/autos) If you found this episode helpful, please **rate, follow, review, and share** *Coffee with Your Retirement Coach*. It’s the easiest way to help others save money and drive away happy! 📬 Questions? Email: connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 🛑 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/37831915
info_outline
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
info_outline
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
info_outline
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: connect@yourretirementcoach.com ☕ Win a bag of Retiree Roast Coffee – tell us how you celebrate the 4th of July (first four entries win!) 📬 Questions? Email: connect@yourretirementcoach.com 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
info_outline
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
info_outline
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 connect@yourretirementcoach.com 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
info_outline
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 connect@yourretirementcoach.com 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
info_outline
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 connect@yourretirementcoach.com 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
info_outline
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 connect@yourretirementcoach.com 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
info_outline
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 connect@yourretirementcoach.com 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
info_outline
Is There a Pot of Gold at the End of the Tariff Rainbow?
03/18/2025
Is There a Pot of Gold at the End of the Tariff Rainbow?
In this special St. Patrick's Day episode, your coaches Randy and Nic engage in a spirited debate over the efficacy of tariffs. They explore the pros and cons, discussing whether the recent benefits can be attributed to strategic policies or mere luck. They have humor. They have insights. They have beer! The debate covers issues such as consumer prices, domestic manufacturing, trade deficits, and national security. As always, the coaches emphasize the importance of fact-based investing and preparing for economic changes. Special thanks to Glover Park Brewery for fueling the debate with great beer! 00:00 Introduction and St. Patty's Day Special 00:33 Debate Setup: Pro vs. Con on Tariffs 02:30 Team Pro: Benefits of Tariffs 03:35 Team Con: Drawbacks of Tariffs 11:18 Strategic Use of Tariffs in Trade Negotiations 14:50 Navigating Market Volatility and Financial Planning 26:07 Conclusion and Final Thoughts 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/35710475
info_outline
Make Retirement Healthy Again - Episode 29
03/03/2025
Make Retirement Healthy Again - Episode 29
In this episode of Coffee with Your Retirement Coach, the focus shifts from conventional financial and tax planning to the vital aspect of a health plan. Our guest Kim Roberto, an expert in holistic health, shares her journey and the impact of natural health practices on her life. Randy and Kim discuss the five essentials of health: chiropractic care, nutrition, mindset, exercise, and avoiding toxins. Understand what constitutes real health, learn about the dangers of the modern food supply, and come away with things you can do right now to live a longer, healthier, and more fulfilling life. 00:00 Introduction: Do You Have a Health Plan? 00:37 Meet Kim Roberto: A Journey in Natural Health 03:33 The Five Essentials of Health 06:02 Nutrition: Eat to Live vs. Live to Eat 11:48 The Impact of Inflammation and Healthy Fats 16:13 Eating Out: Making Healthier Choices 17:51 The Cost of Eating Healthy 18:15 Portion Sizes and Eating Habits 18:54 God's Food vs. Man's Food 19:54 The Importance of Gut Health 22:38 Physical Exercise for Longevity 29:43 The Impact of Toxins on Health 32:11 Final Thoughts and Takeaways 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/35506465
info_outline
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
info_outline
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
info_outline
What You Need to Know About The Social Security Fairness Act - Episode 26
01/20/2025
What You Need to Know About The Social Security Fairness Act - Episode 26
In this episode of Coffee with Your Retirement Coach, President Biden's signing of the Social Security Fairness Act is analyzed for its potential benefits to retirees, especially public servants. Hosts Aaron, Randy, and Nic break down the repeal of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), discussing who stands to benefit and how these changes might be implemented. The conversation also touches on various Social Security strategies, the importance of personalized financial planning, and how to navigate the complexities of the retirement system. Key points include timing of benefits, survivor benefits, and health considerations. 00:31 Overview of the Social Security Fairness Act 02:58 Impact on Public Servants and Financial Implications 06:23 Considerations for Social Security Retirement Benefits 08:36 Timing and Strategy for Social Security Benefits 20:11 Personal Stories and Importance of Planning 25:59 Key Takeaways and Final Thoughts 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/34907965
info_outline
Lessons & Stories for Business Owners, Entrepreneurs, & Financial Advisors - Episode 25
01/19/2025
Lessons & Stories for Business Owners, Entrepreneurs, & Financial Advisors - Episode 25
Join today’s Coaches, Randy Yeomans and Nic Yeomans as they discuss Randy’s 41 year journey from Fireman to Financial Professional. From the early start to life-changing events, tune in and learn what led Yeomans, Your Retirement Coach to become a Leading Financial Services Firm. Listen in as Randy and Nic discuss practical wisdom for today’s growing business leaders and hear where they believe things are evolving for the next generation. As always, thank you for “Staying Coachable.” 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/34907935
info_outline
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
info_outline
LAST MINUTE TAX-SAVINGS AND RETIREMENT PLAN STRATEGIES FOR 2024 - Episode 23
12/09/2024
LAST MINUTE TAX-SAVINGS AND RETIREMENT PLAN STRATEGIES FOR 2024 - Episode 23
TODAY our Coaches walk us through important year-end considerations that could help listeners pay less tax and maximize the benefits of their retirement accounts. From 401k’s to ROTH, from highly appreciated assets to charitable giving, you won’t want to miss today’s Game Plan. Key topics include maximizing contributions to retirement accounts like 401(k), 403(b), 457 plans, and IRAs, understanding contribution limits and catch-up options for those over 50, and the importance of knowing your investment cost basis to avoid unnecessary taxes. The episode also covers the benefits and deadlines for Roth conversions and gain-loss harvesting strategies to minimize tax liabilities. Additionally, considerations for adapting to local tax laws and the ongoing SALT cap are addressed. The coaches emphasize the value of seeking wise counsel to optimize financial outcomes as the year closes. 00:08 Tax Planning Essentials 01:42 Maximizing Retirement Contributions 03:53 Catch-Up Contributions Explained 07:18 Roth Conversions and Deadlines 09:56 Market Insights and Gain-Loss Harvesting 15:19 Understanding Cost Basis 20:50 State and Local Tax Considerations Have a question for the coach? Send it in to Watch on YouTube: https://www.youtube.com/channel/UCOq6-cPoSmotfEToSbA4m1w Connect with us on Facebook: https://www.facebook.com/search/top?q=yeomans%20consulting%20group,%20inc.
/episode/index/show/coffeewithyourretirementcoach/id/34348990
info_outline
The Thanksgiving Spirit - Episode 22
11/25/2024
The Thanksgiving Spirit - Episode 22
Gratitude and Thanksgiving This is an episode on how these two are keys to enjoying our best life, including our best economic life! Thanksgiving is finding peace in the chaos. Our Coaches challenge our mindset, how we might thrive and be the blessing! 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/34122616