Coffee with Your Retirement Coach
Welcome to Your Retirement Coach based in Marietta, Georgia. This platform is solely for informational purposes and is not offering advisory services or sales of securities. Investing involves risk and possible loss of principal capital. Comments by viewers or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, certain editing of personal identifiable information and misinformation may be deleted. The opinions expressed herein are as of the date of publication and are subject to revision due to changes in the market or economic conditions and may not necessarily come to pass. Investment advice offered through Merit Financial Group, LLC, a registered investment adviser.
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How to Know If You Have "Enough" Money to Retire
08/12/2026
How to Know If You Have "Enough" Money to Retire
The most important retirement question isn't how much you've saved; it's whether what you have can actually fund the life you want. Too many people spend years working toward a number they never defined, and even more spend years past their finish line not knowing they already crossed it. In today's conversation, Nic and Randy tackle the question every pre-retiree is really asking, "Am I good?", and break down what it truly takes to retire with clarity, confidence, and a plan that holds up in any market. ⸻ Episode Timeline & Highlights [00:00] – Meet David and Suzanne: $3.2 million saved and one burning question: Are we good? [01:20] – Two kinds of retirees: The overconfident and the under-confident, and why both get it wrong. [03:21] – The five-year myth: Why "I'll retire in five years" is often just a number people picked out of thin air. [04:42] – You Inc.: How to think about retirement like running a business with a budget and a strategy. [06:44] – Eating the elephant: Why breaking retirement obstacles into small pieces changes everything. [08:54] – The power of options: What knowing your numbers actually gives you, and it's not just money. [13:17] – The Bob story: A retired military client's tearful reminder that time is the one thing you can't get back. [15:41] – The spending plan conversation: Why your financial advisor should help you spend, not just save. [17:19] – Travel, kitchens, and legacy: How to build a budget for the life you actually want right now. [20:34] – The mission: Marrying the quantitative and qualitative sides of retirement to live with real purpose. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: https://meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's episode resonated with you, please like, share, comment, and subscribe; it helps us reach more people who are ready to stop waiting and start living. Stay coachable! _______ Disclaimer: Investment advice offered through Merit Financial Group, LLC, an SEC-registered investment adviser.
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HSA's Create More Tax-Free Wealth for Retirement
07/31/2026
HSA's Create More Tax-Free Wealth for Retirement
Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars. In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻ ⏱️ Episode Timeline & Highlights [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's episode resonated with you, please like, share, comment, and subscribe, it helps us reach more people who want to keep more of what they've earned. Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you. Stay coachable! __________ Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Pre-Retirement Planning Done Right: Faith, Legacy, and Knowing When It's Time.
07/16/2026
Pre-Retirement Planning Done Right: Faith, Legacy, and Knowing When It's Time.
Retirement without a destination isn't freedom, it's just stopping. The most fulfilled retirees don't just walk away from a career; they walk toward something bigger, more purposeful, and deeply intentional. In today's conversation, Nic sits down with Mark and Diane Adams, a faith-driven couple approaching retirement, to explore what thoughtful pre-retirement planning actually looks like. From estate planning and tax strategy to legacy, generosity, and knowing when it's time to make the leap, this episode is essential listening for anyone approaching that next chapter. ⸻ ⏱️ Episode Timeline & Highlights [00:00] – Meet Mark & Diane: Almost 40 years of marriage and one granddaughter who runs the show. [05:15] – First money memory: An $84,000 house, six months into marriage and two very different opinions. [08:57] – Faith and finances: Why you can't out-give God and the funnel, not a bucket mindset. [13:00] – Advice to their younger selves: Be content in the season you're in. [15:30] – The "have to, should do, could do" framework for retirement thinking. [18:39] – Money and marriage: The spending conversation every couple needs to have. [23:40] – The three pain points: Taxes, estate planning, and retirement income. [28:29] – What they look for in an advisor: Shared faith, shared values, right questions. [32:00] – The donor advised fund: A giving strategy that changed everything. [34:18] – On the edge of retirement: Gather the facts, then listen to the Holy Spirit. [40:10] – Building the right team now: Why finding a doctor mirrors finding a financial advisor. [43:00] – Final words: Plan ahead, be proactive, and don't leave a mess for your kids. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's conversation resonated with you, please like, share, comment, and subscribe, it helps us reach more people who are ready to retire with purpose, not just a plan. Are you approaching retirement and wondering what the right questions are? Reach out at connect@meritfa.com — we'd love to have that conversation with you. Stay coachable! ________ Testimonial Disclosure This client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. ________ Disclaimer Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Real Retirement Success: How 18 Years of Wise Counsel Tripled One Couple's Net Worth
07/01/2026
Real Retirement Success: How 18 Years of Wise Counsel Tripled One Couple's Net Worth
Some people talk about doing retirement right. Nancy Martin is living proof of what it actually looks like. A Marietta native, 30-year-plus educator, and pillar of her community, Nancy brings 18 years of shared history with the coaches and a story full of wisdom, generosity, and hard-won financial confidence. In today's conversation, Nic and Randy sit down with Nancy to explore her remarkable journey from frugal saver to financially free, and what it means to steward wealth with purpose, faith, and a brand new kitchen. ⸻ ⏱️ Episode Highlights [01:25] – First money memory: The grocery money stolen from her purse while teaching at Marietta High, and why it still stings. [02:50] – A Marietta legacy: How Nancy's father became the first veterinarian in Cobb County and built a practice that lasted generations. [04:19] – 30 years in the classroom: From Marietta High to Marietta Middle School and why teaching was always a calling, not just a career. [05:03] – How Nancy and David built wealth: Coupons, frugality, and a whole lot of CDs at 15% interest. [06:07] – The 2008 turning point: Why a financial crisis and a trusted friend's referral led them to their first retirement coach. [09:22] – What they were looking for and what happened instead. [10:40] – 18 years of confidence: Why Nancy's biggest win wasn't a number, it was trust. [11:46] – Faith and finances: How First Baptist Marietta, the Salvation Army, and St. Jude's became part of their legacy plan. [13:52] – The kitchen moment: The story of what happens when you finally know your numbers, and what Nancy did with that freedom. [15:04] – Who needs a retirement coach? Nancy's advice for savers who need guidance, not just growth. [16:08] – Final words of wisdom: "Start early. Don't put it off. And seek wise counsel from people who've been down that road." ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's conversation encouraged you, please rate, follow, share, and review the podcast. It helps us reach more people who are ready to take that next right step. Stay coachable! Disclaimer!!! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Don’t invest in SpaceX IPO until you watch this, (Don’t Ignore)!
06/17/2026
Don’t invest in SpaceX IPO until you watch this, (Don’t Ignore)!
Everyone is talking about SpaceX. But before the excitement makes the decision for you need to understand that FOMO is not an investment strategy. In today's conversation, Nic and Randy break down what SpaceX actually is, what history tells us about IPO investing, and why the masses are usually wrong. ⸻ ⏱️ Episode Timeline [00:29] – What is SpaceX? The five business segments beyond the rocket ships. [03:08] – Excitement is not a plan: Why emotional investing leads to the wrong move. [07:28] – IPO history lesson: What Facebook, Uber, and Amazon looked like post-IPO. [09:24] – The $10,000 minimum: Why this IPO's accessibility is actually a red flag. [10:10] – Buy the dip: What it really means and why nobody can time it perfectly. [13:49] – Firm risk: Why one person's decisions can take down innocent shareholders. [17:38] – The Buffett rule: Why greed and fear are the enemy of smart investing. [18:22] – Who should actually consider an IPO? The financial profile that makes it viable. [21:22] – The index fund play: Why you may end up owning SpaceX anyway — without the IPO risk. [25:32] – The Cindy story: Why wise counsel always beats FOMO. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's episode resonated with you, please like, share, comment, and subscribe to help us reach more people who want smart, steady guidance over shiny distractions. There will always be another opportunity; the question is whether you have the right plan to act on it wisely. Reach out at connect@meritfa.com and stay coachable! _____________ Disclaimer! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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This Couple Cracked the Code to a Happy Retirement: A client success story
06/11/2026
This Couple Cracked the Code to a Happy Retirement: A client success story
Most people wonder what a retirement done right actually looks like. John and Melanie McGriff are living the answer: ten grandchildren, fly fishing in Wyoming, and the freedom to pour into the people and causes they love most. In today's conversation, Nic and Randy sit down with longtime clients John and Melanie for an honest, heartwarming look at what it truly means to retire to something, not just from something, and what a decade of intentional planning made possible. ⸻ ⏱️ Episode Highlights [01:38] – John and Melanie's story: How a Tuesday night Bible study became a love story neither of them planned. [04:31] – Two careers, one retirement: From Exxon stations and ministry to 30 years at Piedmont Healthcare. [05:52] – The identity trap: Why Melanie struggled to leave nursing, and what finally made retirement feel right. [08:15] – First money memories: Selling peaches door to door and babysitting for $0.25 an hour. [10:17] – The Ageless Explorer: Why John and Melanie are the poster couple for retiring to something, not from something. [11:20] – Retiring to what? Ten grandkids, travel, adventure, and pouring into younger couples. [14:08] – What they looked for in a financial advisor: Trust, relationship, and someone to do life with. [18:30] – Their biggest win: Portfolio growth that exceeded expectations, and the confidence to actually enjoy it. [20:18] – Estate planning in a blended family: Why the 10% club matters and what a family meeting really protects. [29:34] – The Yeomans to Merit Financial transition: Why the relationship never changed, only the name did. [33:38] – Final words of wisdom ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's conversation inspired you, please rate, follow, share, and leave a comment, it helps us reach more people who are ready to take that next step with confidence. Stay coachable! ___________ Disclaimer!!! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Social Security Facts: What It Means for Your Retirement
05/20/2026
Social Security Facts: What It Means for Your Retirement
Most people know Social Security exists, but very few understand where it came from, what it was actually designed to do, or why the math behind it looks the way it does today. Before you make any decisions about when to file, you need to understand the full picture. In today's conversation, Nic and Randy clear the table on all things Social Security. From its origins in 1935 and the generational math that's quietly straining the trust fund, to the real trade-offs between filing at 62 versus waiting until 70. This episode is designed to replace fear and confusion with clarity and confidence. ⸻ ⏱️ Episode Highlights [00:35] – The origin story: How Otto von Bismarck's walk through the streets of Europe gave birth to the concept of Social Security. [01:25] – The design problem: Why Social Security was never meant to be a pension, and how we turned it into one. [03:01] – The generational math: 72 million Baby Boomers drawing down. 29 million Gen Xers paying in. Why don't the numbers add up? [06:37] – The Millennial factor: Why 80 million Echo Boomers may be the unlikely heroes of the Social Security story. [08:10] – Filing at 62: When taking Social Security early is actually the right decision, and why no one should guilt you out of it. [10:39] – Waiting until 70: The case for an 8% guaranteed compound growth rate that almost nothing else can match. [13:45] – The trust fund reality: What depletion between 2033 and 2034 actually means, and why 70 to 75% of benefits are still projected to be paid by 2070. [14:50] – Beyond retirement: Why Social Security also matters for widows, survivors, and disability benefits. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com ⸻ Closing Thoughts If today's episode resonated with you, please rate, follow, share, and leave a comment, it helps us reach more people who deserve clarity over confusion when it comes to Social Security. If you don't have a Social Security filing plan or you're unsure when and how to file based on your situation, reach out at connect@meritfa.com. We'd love to help you make the right call, on your terms, not out of fear. Stay coachable! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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The Tax-Free Strategy Saving Retirement Right Now
05/08/2026
The Tax-Free Strategy Saving Retirement Right Now
If you've spent a lifetime saving and now have a seven-figure IRA, you might think you've won the game. But if that money has never been taxed, you aren't just compounding wealth, you're compounding a future tax problem. In today's conversation, we're breaking down exactly how a "good" problem becomes a massive tax bill if you don't act before the government forces your hand, and why strategic Roth conversions could be the most important move you make for your retirement and your legacy.. ⸻ ⏱️ Episode Highlights [00:30] – The $5 million "good problem" that can quietly turn into a tax trap. [01:25] – The Math: How a 6% growth rate creates a $16 million tax bomb over 20 years/ [02:10] – Forced taxation: Understanding RMDs and the cost of letting the government decide when you pay. [04:15] – The Retirement Sweet Spot: Why ages 63 to 73 are your golden window for bracket management. [05:30] – Why Roth-converted assets are a game-changer for your legacy and IRMAA calculations. [06:15] – The malpractice standard: Why your advisor must be reviewing your tax returns every year. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com ⸻ Closing Thoughts If this episode challenged the way you see your tax picture, share it with a friend who might be sitting on a tax bomb of their own. Reach out at connect@meritfa.com, we'd love to help you take action before the government does. Stay coachable! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Headline Risk: The Hidden Risk That Quietly Destroys Wealth
04/24/2026
Headline Risk: The Hidden Risk That Quietly Destroys Wealth
Ever feel like the 24-hour news cycle is shouting directly at your retirement savings? Between geopolitical unrest, global conflicts, and economic uncertainty, it's easy to let fear take the wheel. In this episode, we're breaking down Headline Risk, the hidden force that drives more long-term wealth damage than almost any market dip. We'll explore why gut reactions to world events lead to devastating financial mistakes and why math doesn't care about your feelings. If you don't have the right guardrails in place, the news ticker could be costing you more than you think. ⸻ ⏱️ Episode Timeline & Highlights [00:40] – What is headline risk? The hidden force behind every wrong move at the wrong time. [02:40] – The COVID Lesson: How a 37% knife-drop selloff almost triggered the costliest mistake, and why the math said pause. [04:30] – Math doesn't care about feelings: Why technical indicators beat gut reactions every time. [05:15] – The pattern never changes: From Egypt to Greece to Ukraine, headline risk is always lurking. [06:10] – Stick to the plan: Why a good retirement plan doesn't move by chaos, fear, or disorder. [06:45] – There's always another storm: Why peace today doesn't mean you stop preparing for tomorrow. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: ⸻ Closing Thoughts If today's episode resonated with you, please like, follow, share, and drop a comment on our podcast If you're being honest with yourself and headline risk is swaying your decisions right now, you're not alone, and you don't have to navigate it alone either. Reach out at connect@meritfa.com. We'd love to help you build a plan that wins no matter what storm is on the horizon. Stay coachable! Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Design the next 10 years of your life: Relationships, Health, and Finances.
04/10/2026
Design the next 10 years of your life: Relationships, Health, and Finances.
Ten years from now, you're going to unwrap a gift, and that gift is the life you've built through the compounding effects of your decisions today. The question is: will it be something you're excited to open? Most people spend a lot of time planning a vacation, but give almost no thought to designing the life they will have a decade from now. In today's conversation, Aaron and Randy break down what it means to live life by design across three critical lenses: relationships, health, and finances, and why the small, intentional deposits you make today compound into either a gift or a regret. If you've ever said, "I'll get to that someday," this episode is your wake-up call. ⸻ ⏱️ Episode Highlights [02:45] – The Orienteering Lesson: How your dominant foot quietly drifts you off course without a fixed point of reference. [04:40] – The Rule of 72 Applied to Life: Why a 7.2% return on your daily choices can double your quality of life in a decade. [07:54] – The Reticular Activator: How setting a goal activates your brain's GPS — and why you start seeing opportunities everywhere. [11:33] – The Relationships Lens: Why community isn't optional and how being a friend first changes everything. [13:17] – The Health Lens: Why your body's whispers become shouts — and why proactive maintenance beats reactive repair every time. [17:55] – The Economic Lens: Why a tax leak quietly destroys your compounding potential over time. [22:09] – The Lifelong Learner Advantage: The simple math of one book a month — and the unbeatable edge it builds over ten years. [26:45] – The Final Challenge: You're gifting your future self something either way — make sure it's gratitude, not regret. ⸻ Links & Resources Mentioned • Email: connect@yourretirementcoach.com • Website: yourretirementcoach.com ⸻ Closing Thoughts If today's episode resonated with you, please like, follow, share, and leave a comment. It helps us reach more people who are ready to start planting intentionally for the life they want to reap. Email us at connect@yourretirementcoach.com if you have questions for the coaches. Stay coachable! _______ Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.
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Why retirees are afraid to spend their millions (& how to overcome it).
03/23/2026
Why retirees are afraid to spend their millions (& how to overcome it).
You have $3 million in the bank , but the thermostat is still set to 62 degrees. For decades, you've been a faithful, disciplined servant to your savings plan. You mastered delayed gratification, and that discipline is exactly what got you to the finish line. But now that "someday" has finally arrived, why does spending the money you earned feel like breaking a moral code? In today's conversation, Aaron, Nic, and Randy dig into the peculiar psychology of the millionaire who still thinks like a thousandaire. We explore why the transition from saver to spender is so emotionally difficult, how a lack of confidence in your financial guardrails keeps you from living the life you actually want, and how to finally shift your mindset from surviving retirement to truly loving it. ⸻ ⏱️ Episode Timeline & Highlights [01:50] – Why transitioning from saver to spender feels like breaking your own moral code. [03:45] – The Someday Trap: Why millionaire clients still plan and live like thousandaires. [05:10] – Is your advisor holding you back? Why some firms actually discourage you from spending. [06:15] – The Nest Analogy: Stop fixing up your home for the next owner, make it perfect for yourself. [08:40] – Testing the waters: How to stress-test your portfolio and find your actual spending capacity. [12:35] – The Six-Month Experiment that broke one client's lifelong habit of over-frugality. [15:40] – The moment a client finally understood what their money could do for their family. ⸻ Links & Resources Mentioned Email: connect@yourretirementcoach.com Website: yourretirementcoach.com ⸻ Closing Thoughts If today's episode resonated with you, please like, follow, share, and leave a comment. It helps us reach more people who are ready to stop saving in fear and start spending with confidence. Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser
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Why Your Anxiety Doubled with Your Net Worth
03/06/2026
Why Your Anxiety Doubled with Your Net Worth
You'd expect reaching $5 million or $10 million to feel like a finish line, but for many families, it's where the anxiety actually begins. We spend our entire lives building a savings plan, but when it's finally time to flip the switch, most people realize they never built a spending plan or the internal confidence to actually use what they've earned. In today's conversation, Nic, Randy, and Aaron dig into the strange psychology of wealth and why a rising bank balance isn't always a cure for financial insecurity. Together, we explore how to move past a "thousand-dollar mindset" in a millionaire reality, the critical difference between accumulation and stewardship, and why chasing a financial horizon will never lead to true contentment. If you've ever felt like the more you have, the more you have to lose, this conversation is for you. ⸻ ⏱️ Episode Highlights [01:17] – Why anxiety often rises alongside your net worth and the "more to lose" trap. [03:27] – Savings Plan vs. Spending Plan: Why most retirees are missing the second half of the equation. [04:45] – The "Pension Paradox" and how the shift to defined contribution plans killed our retirement confidence. [07:56] – Breaking the "Code of Saving": Why spending can feel like breaking the law for the greatest generation. [10:34] – The Stewardship Test: A simple mental shift to help you manage your own money with more logic and less fear. [14:48] – The Charlie Munger Lesson: Why every successful person needs a "second set of eyeballs" on their life and money. [18:38] – Chasing the Horizon: Why "just a little bit more" is a recipe for perpetual frustration. ⸻ Links & Resources Mentioned • Email: connect@yourretirementcoach.com • Website: ⸻ Closing Thoughts If today's episode resonated with you, please like, follow, share, and drop a comment. This will help us reach more people who are ready to stop accumulating in fear and start living with confidence. A healthy retirement isn't just about what's in the account. It's about building the mindset and the plan, actually, to spend it well. Thanks for filling your cup with us today. Stay coachable! ________________________________ Disclaimer: Yeomans Consulting Group, Inc. 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.
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Build a Retirement Around What You Actually Want
02/20/2026
Build a Retirement Around What You Actually Want
Several million dollars can feel surprisingly small when you're measuring it against someone else's yardstick. Whether you have three, five, or ten million, if you're chasing a lifestyle defined by the "Joneses," you're not pursuing satisfaction, you're chasing someone else's version of happy. In this video, we dig into the "Country Club Syndrome" and the dangerous spiral of losing contentment by comparison. From $100,000 trucks, retirees don't need mountain homes they don't enjoy, we share real stories of clients who found freedom by asking one question: "Do I actually want this?" We'll show you how to build a Purpose Plan that aligns your money with your values, so your retirement is defined by your mission, not your neighbor's new golf cart. Timestamps: [01:04] – The Country Club Syndrome: Why the "next best thing" is a dangerous spiral that robs you of joy. [02:33] – The "Supposed-To" Trap: Evaluating whether your big-ticket purchases are immediate needs or just cultural expectations. [04:56] – The Runaway Bride Moment: A lesson on self-reflection do you actually know how you like your "eggs," or are you just mirroring others? [06:50] – The $5M Divorce Statistic: Why hitting a high net worth often leads to trouble if you haven't mastered the "Money Conversation." [08:40] – The Platinum Rule in Practice: A cautionary tale about buying a mountain home for a spouse who actually hates the outdoors. [17:28] – Living "On Mission": How an $8M widow found total satisfaction in a 50-year-old modest home. [19:16] – The Nutcracker People: How accidental traditions can hijack your budget and how to find the "catalyst" for change. Resources Mentioned: Book: Half Time by Bob Buford Connect with us: Website: Podcast: Facebook: LinkedIn: Email: If this helped you, please like and subscribe to follow for more retirement tips. Disclaimer: Yeomans Consulting Group, Inc. 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.
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The Georgia Tax Debate: Is No Income Tax a Win for Retirees?
02/06/2026
The Georgia Tax Debate: Is No Income Tax a Win for Retirees?
Georgia is already one of the most income-tax-friendly states for retirees, but now local politicians are talking about eliminating the state income tax altogether. Sounds like a dream, right? But as Randy and I debate this today, we have to ask: Is this actually good for your retirement, or just a political shell game? We dig into the "revenue mismatch" that happens when the government cuts taxes without cutting spending. Georgia already excludes up to $65,000 per person in retirement income—so why the push for zero income tax? We explore why this move might actually invite higher property and sales taxes that hit retirees the hardest, the "Florida Effect" on real estate, and why you need a plan nimble enough to survive changing laws. ⸻ ⏱️ Episode Timeline & Highlights [01:00] – The big debate: Should Georgia eliminate state income tax? [02:55] – Why Georgia is already a "Tax Haven" for retirees. [04:15] – The "Clawback" Risk: Will you actually see these savings? [05:30] – The Tax Shell Game: Where the state might collect revenue next. [07:15] – Learning from Florida and Texas: Shifting the burden to property values. [09:45] – Flexibility in your tax code: Why nothing is permanent. [11:50] – The "Golden Child" Lesson: Why knowing the rules means winning the game. [12:35] – Executing a plan that keeps you on top through legislative shifts. ⸻ Links & Resources Mentioned • Email the coaches: connect@yourretirementcoach.com • Yeomans Consulting Group – Comprehensive retirement planning in Marietta, Georgia • Subscribe to Coffee with Your Retirement Coach on your favorite podcast platform ⸻ Closing Thoughts Retirement planning is about more than just investments; it’s about understanding the rules of the game and being nimble enough to pivot when those rules change. Whether it's income tax, property tax, or the "Florida migration," we want to make sure your resources are as resilient as possible. Subscribe, comment, and share with a friend. 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.
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Ground Zero: Why It Is So Hard to Buy Your First Home in Atlanta
02/05/2026
Ground Zero: Why It Is So Hard to Buy Your First Home in Atlanta
In today's conversation, we're tackling the near-impossible task of buying a single-family home in Metro Atlanta. While the national housing crisis dominates headlines everywhere, researchers are calling our backyard "Ground Zero." We're exploring why Wall Street is quietly buying up the American dream and what that means for your children, your neighbors, and your retirement planning. Nic, Randy and Aaron pull back the curtain on the "mega-investors" turning starter homes into permanent rentals. We break down the "triple threat" that made Atlanta the primary target for institutional capital, growth, yield, and low resistance. More importantly, we share practical, off-market strategies families are using to fight back, from pre-inheritance gifts to inner-family mortgages. Whether you're downsizing or helping a grandchild get their first keys, you need to understand the new rules to protect your family's financial future. ⸻ ⏱️ Episode Timeline & Highlights [02:42] – Why Atlanta isn't "normal" and prices aren't an accident [03:27] – The shocking stat: 30% institutional ownership vs. 1% nationally [08:23] – Defining the "Mega Investor" and Atlanta's 2025 dominance [11:43] – The "Triple Threat": Growth, yield, and low resistance [14:47] – Pre-inheritance and inner-family mortgages as solutions [15:55] – Three practical steps: Local lenders and the off-market secret [19:16] – Perspective check: Is 6.7% really bad compared to 1980? [22:00] – How this impacts retirement planning and downsizing [25:30] – What retirees need to know about selling in this market [28:00] – Final thoughts: Staying informed and staying coachable ⸻ Links & Resources Mentioned • Email the coaches: connect@yourretirementcoach.com • Website: www.yourretirementcoach.com • Yeomans Consulting Group – Comprehensive wealth management in Marietta, Georgia • Podium Studios – Our new recording home ⸻ Closing Thoughts If this conversation helped you make sense of the "weird" market we're living in, please subscribe and share this episode with someone navigating Atlanta's housing prices. We'd love to hear your experiences in the Atlanta market. Send us your questions at connect@yourretirementcoach.com so we can dive deeper in future episodes. 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.
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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.
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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.
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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.
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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
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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
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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.
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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.
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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.
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$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.
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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.
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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.
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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.
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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.
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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.
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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.
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