Coffee with Your Retirement Coach

Randall Yeomans, Nicholas Yeomans & Aaron Calhoun
  • 5.0 (7)
  • INVESTING
  • UPDATED BIWEEKLY

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

  1. 4D AGO

    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: www.yourretirementcoach.com Podcast: www.youtube.com/@yeomansconsulting Facebook: www.facebook.com/Yeomans.yourretirementcoach  LinkedIn: www.linkedin.com/in/nicyeomans  Email: connect@yourretirementcoach.com    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.

    24 min

  2. FEB 6

    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.

    14 min

  3. FEB 5

    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.

    23 min

  4. JAN 9

    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: connect@yourretirementcoach.com • 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.

    25 min

  5. 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.

    33 min

  6. 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.

    52 min

  7. 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: connect@yourretirementcoach.com 📚 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

    19 min

  8. 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: connect@yourretirementcoach.com 🔍 For more retirement planning insights: yourretirementcoach.com 📱 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

    10 min
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5
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7 Ratings

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

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