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. 1d ago

    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.

    18 min

  2. Jun 17

    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.

    32 min

  3. Jun 11 ·  Video

    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.

    36 min

  4. May 20

    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.

    16 min

  5. May 8

    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.

    8 min

  6. Apr 24

    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: https://meritfinancialadvisors.com/ ⸻ 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.

    8 min

  7. Apr 10

    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.

    32 min

  8. Mar 23

    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

    20 min
See All (62)

Ratings & Reviews

5
out of 5
7 Ratings

About

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.

Information

You Might Also Like