Coffee with Your Retirement Coach
by Randall Yeomans, Nicholas Yeomans & Aaron Calhoun
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.
Episodes
-
What Really Drives Mortgage Rates? What Homebuyers and Retirees Need to Know
Mortgage rates can be confusing, especially when the Federal Reserve hasn't raised rates, but 30-year mortgage rates are still around 7%. In this episode, Aaron, Randy, and Nic break down what actually drives mortgage rates, why the bond market matters, and what could cause rates to fall. They…
more -
Are the Rich Getting Richer and the Poor Getting Poorer?
Many Americans have felt the effects of a K-shaped economy, where people with assets have seen their wealth grow while others struggle with rising costs, debt, and limited opportunities. In this episode, Aaron, Nic, and Randy take a closer look at why these differences exist and, more…
more -
Banking Secrets Every Founder Should Know
Most business owners treat their bank like a vending machine. They put in the paperwork and get out the money. But those who grow, scale, and sell successfully treat their banker like a trusted partner. The difference between those two relationships could be the difference between getting the…
more -
Top 10 Estate Planning Mistakes to Avoid (Before It's Too Late)
Estate planning mistakes can create serious problems for families. Outdated documents, beneficiary forms, and missing plans can leave loved ones dealing with unnecessary complications. In this episode, Aaron and Nic count down ten common estate planning mistakes and share real-life examples of…
more -
Your Power of Attorney Might Already Be Useless
Most people sign a power of attorney once and never think about it again. But a document that sat in a drawer for ten years, was drafted in another state, or is missing one critical clause could leave your family completely powerless in a crisis, and you'd never know until it's too late. In…
more -
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...
-
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...
-
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...
-
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…
more -
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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…
more -
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...
-
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…
more -
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…
more -
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…
more -
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…
more -
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...
-
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…
more -
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…
more -
$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...
-
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...
-
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...
-
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...
-
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...
-
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…
more -
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…
more -
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…
more -
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...
-
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…
more -
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...
-
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…
more -
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,...
-
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…
more -
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...
-
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...
-
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...
-
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...
-
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…
more -
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...
-
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...
-
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...
-
Have You Ever Packed a U Haul - Episode 21
The U-Haul In this episode we unpack stories and insights on what we really value, and freedom from the weight of "things." We ask our listeners to consider: Are you living your life with intention, or are your things owning you and keeping you trapped? Tune in to reflect, rethink, and rediscover...
About this show
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.
Hosted by
Randall Yeomans, Nicholas Yeomans & Aaron Calhoun