Coffee with Your Retirement Coach

In this episode of Coffee With Your Retirement Coach, Aaron, Nic, and Randy explain how to avoid operating out of fear and sticking with your plan amidst market volatility. They discuss overcoming financial fears, the value of knowledge and confidence, and the need for a comprehensive approach that includes tax planning and estate considerations. Listen to learn how to stick to the plan instead of being a big chicken! 00:00 Introduction: Facing Financial Fears 00:28 Meet the Hosts: Nic, Randy, and Aaron 00:59 The Importance of a Solid Financial Plan 01:58 Navigating Market Volatility 03:01 Retirement Planning Essentials 04:32 Understanding Market Pullbacks 06:48 The Role of Confidence in Investing 13:32 Beware of Financial Product Pitches 20:08 The Value of Diversification 22:19 Tax Strategies for Low Rates 22:57 Capital Gains and Market Opportunities 24:23 Diversifying Taxes and Investments 25:20 Retirement Tax Myths 31:49 Estate Planning Essentials 39:04 Taking Action and Enjoying Retirement 42:23 Final Thoughts and Encouragement *Episodes We Mentioned* Luck Is Not a Plan: https://youtu.be/IL-YLSklXPY?si=bd0NN5dPPJlaB_h1 Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we'd love to hear from you. Have a question for the coach? Send it in to connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this episode of Coffee With Your Retirement Coach, Aaron and the team cast off into a discussion on retirement planning in the current market conditions by comparing it to navigating choppy waters. From pontoon boats to Navy seal power rafts, they illustrate how different investment strategies cope with turbulent markets. The focus is on understanding passive asset allocation, active management, and tactical management. Whether you're accumulating wealth or retired and drawing income, the coaches emphasize the importance of having a balanced, well-managed portfolio. Tune in for insights on managing your investments through volatile economic times, ensuring you stay afloat no matter the conditions.   00:00 Spring in Atlanta: Braves, Lakes, and Investments 00:31 Meet the Coaches: Randy and Nic Yeomans 00:43 Navigating Rough Waters: Investment Strategies 02:47 Understanding Investment Styles: Passive, Active, and Tactical 06:16 The Importance of Tactical Management 10:20 Real-Life Analogies: Boats and Investment Strategies 15:22 Choosing the Right Investment Approach 18:33 Retirees and Defensive Portfolios 19:39 The Importance of Client Education 20:24 Technical Difficulties and Humor 20:56 Balancing Safety and Growth in Retirement 22:10 Navigating Market Volatility 23:57 The Role of a Financial Advisor 29:57 Key Takeaways for Retirement Planning 33:11 Conclusion and Contact Information   Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we'd love to hear from you.   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972   Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this special episode of Coffee with Your Retirement Coach, Aaron, Nic and Randy host from Jim R. Miller Park at the Best of Cobb event, celebrating the recognition of Yeomans Consulting Group as the Best Investment Firm in Cobb County. The episode features interviews with local business leaders and innovators, including representatives from Must Ministries, Glover Park Brewery, and Affinity Home Lending. We also welcome a very special guest- Ms. Cobb County! Topics covered include the importance of literacy, workforce development using AI, community service initiatives, and the impact of strong leadership and team building. The hosts reflect on the power of generosity, perseverance, and the diverse paths to success, providing listeners with inspiring stories and valuable insights. 00:00 Success Stories and the Power of Literacy 00:31 Welcome to Coffee with Your Retirement Coach 00:51 Celebrating Achievements and Community Impact 02:31 Interviews with Inspirational Leaders 04:22 Workforce Development and AI Technology 08:50 Spreading Literacy Through Reading 11:16 The Strand Theater: A Community Gem 15:56 Bullock Hope House: A Haven for Patients 19:30 Protecting Your Brand: Insights from an IP Lawyer 26:46 Crafting Excellence: The Journey of a Brewmaster 31:08 The Power of Sharing Knowledge 31:48 Community and Neighborly Bonds 32:26 Glover Park Brewery's Community Impact 33:20 Memorable Events and Celebrations 34:09 Supporting Charitable Causes 35:13 Reflections on Entrepreneurship 37:34 The Importance of Community Support 40:00 Must Ministries' Impact and Growth 57:24 Affinity Home Lending's Community Role 01:03:45 Celebrating Success and Generosity 01:06:49 Closing Remarks and Acknowledgements Have a question for the coach? Send it in to connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this heartfelt episode of Coffee with Your Retirement Coach, we discuss the realities of widowhood. Joined by special guest Lee Ann Cartwright, we explore the journey of grief, the healing process, and the critical role of support systems. With valuable insights on handling social changes, thoughtful conversations about loss, and practical advice, this episode aims to provide comfort and guidance to those navigating life after loss. Whether you're going through the process or supporting someone who is, there's something meaningful to take away. Tune in to learn empathetic and practical ways to move forward instead of moving on.   00:00 - Introduction 02:15 - Lee Ann's Personal journey of loss Initial struggles and adjustments 10:45 - Coping with grief and support systems 18:30 - Financial and legal considerations 25:50 - The role of family and friends, support groups, and resources 32:10 - Rebuilding life after loss 40:00 - Addressing common concerns and some final words of encouragement   Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we'd love to hear from you.   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972   Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this special St. Patrick's Day episode, your coaches Randy and Nic engage in a spirited debate over the efficacy of tariffs. They explore the pros and cons, discussing whether the recent benefits can be attributed to strategic policies or mere luck. They have humor. They have insights. They have beer! The debate covers issues such as consumer prices, domestic manufacturing, trade deficits, and national security. As always, the coaches emphasize the importance of fact-based investing and preparing for economic changes. Special thanks to Glover Park Brewery for fueling the debate with great beer!  00:00 Introduction and St. Patty's Day Special  00:33 Debate Setup: Pro vs. Con on Tariffs 02:30 Team Pro: Benefits of Tariffs 03:35 Team Con: Drawbacks of Tariffs 11:18 Strategic Use of Tariffs in Trade Negotiations 14:50 Navigating Market Volatility and Financial Planning 26:07 Conclusion and Final Thoughts Have a question for the coach? Send it in to connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this episode of Coffee with Your Retirement Coach, the focus shifts from conventional financial and tax planning to the vital aspect of a health plan. Our guest Kim Roberto, an expert in holistic health, shares her journey and the impact of natural health practices on her life. Randy and Kim discuss the five essentials of health: chiropractic care, nutrition, mindset, exercise, and avoiding toxins. Understand what constitutes real health, learn about the dangers of the modern food supply, and come away with things you can do right now to live a longer, healthier, and more fulfilling life.   00:00 Introduction: Do You Have a Health Plan? 00:37 Meet Kim Roberto: A Journey in Natural Health 03:33 The Five Essentials of Health 06:02 Nutrition: Eat to Live vs. Live to Eat 11:48 The Impact of Inflammation and Healthy Fats 16:13 Eating Out: Making Healthier Choices 17:51 The Cost of Eating Healthy 18:15 Portion Sizes and Eating Habits 18:54 God's Food vs. Man's Food 19:54 The Importance of Gut Health 22:38 Physical Exercise for Longevity 29:43 The Impact of Toxins on Health 32:11 Final Thoughts and Takeaways   Have a question for the coach? Send it in to connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972 Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this episode of Coffee With Your Retirement Coach, Aaron and Randy Yeomans dive into the critical debate of whether a home is an investment or an expense. Joined by Greater Atlanta realtor, Kad Mendoza, the discussion offers deep insights into the current housing market, the importance of prepping your home for sale, and the key mistakes to avoid both when selling and buying property. From understanding the 'real estate parade' to critical lending advice, this episode is packed with practical tips and long-term strategies for making smart real estate decisions. Whether you're considering a major move or looking to optimize your current living situation, tune in for expert advice that can help you make informed and financially sound choices. 00:00 Introduction to Investment vs Expense 00:29 Meet the Guests: Randy and Kad 01:03 Current Real Estate Market Insights 03:04 Preparing Your Home for Sale 04:58 Common Mistakes in Home Selling 07:49 Evaluating Home Improvements 16:30 Buying a Home: Key Considerations 17:39 Financial Planning for Home Buying 20:43 Common Mistakes When Buying a Home 20:49 Importance of a Knowledgeable Real Estate Agent 22:18 Seeing Potential in a Property 24:10 Considering Future Needs in Home Buying 26:40 Downsizing and Financial Planning 31:55 Preparing Your Home for Sale 34:09 Choosing the Right Offer and Lender 35:36 Moving to a New Community 37:13 Final Thoughts and Advice   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972    Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this episode of Coffee With Your Retirement Coach, Aaron and Nic Aaron break down retirement strategies using the only thing appropriate during Super Bowl Season: football analogies. From understanding the importance of getting employer matches on your 401(k), to tax considerations, to estate planning and the nuances of Social Security, this episode is packed with the high level game plan you need to win in every area of the retirement game. Whether you're in the first quarter of your career or approaching the final whistle, discover how to optimize and protect your retirement savings. Tune in, grab your coffee, and get ready to win! 00:00 Introduction: Retirement and the Big Game 00:42 Doing the Superbowl Right at the Yeomans House 01:39 Drawing Parallels: Retirement and Winning Strategies 02:17 Breaking Down the Retirement Playbook 03:06 Optimizing Your Retirement Plan 04:14 Reviewing and Adjusting Your Financial Plan 05:39 Tax Strategies for Retirement 09:35 The Importance of Estate Planning 18:26 The Importance of Naming Multiple Successors 19:23 Updating Estate Planning Documents 20:21 Healthcare Power of Attorney for Adult Children 21:26 Reevaluating Beneficiaries 21:37 Story Time: A Cautionary Tale 23:47 The Role of Beneficiary Forms 26:03 The Complexity of Social Security 30:37 Building a Winning Retirement Team 33:45 Final Thoughts and Encouragement   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972    Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this episode of Coffee with Your Retirement Coach, President Biden's signing of the Social Security Fairness Act is analyzed for its potential benefits to retirees, especially public servants. Hosts Aaron, Randy, and Nic break down the repeal of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), discussing who stands to benefit and how these changes might be implemented. The conversation also touches on various Social Security strategies, the importance of personalized financial planning, and how to navigate the complexities of the retirement system. Key points include timing of benefits, survivor benefits, and health considerations. 00:31 Overview of the Social Security Fairness Act 02:58 Impact on Public Servants and Financial Implications 06:23 Considerations for Social Security Retirement Benefits 08:36 Timing and Strategy for Social Security Benefits 20:11 Personal Stories and Importance of Planning 25:59 Key Takeaways and Final Thoughts Have a question for the coach? Send it in to connect@yourretirementcoach.com Connect with us on Facebook: https://www.facebook.com/search/top?q.... 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.

Join today's Coaches, Randy Yeomans and Nic Yeomans as they discuss Randy's 41 year journey from Fireman to Financial Professional. From the early start to life-changing events, tune in and learn what led Yeomans, Your Retirement Coach to become a Leading Financial Services Firm. Listen in as Randy and Nic discuss practical wisdom for today's growing business leaders and hear where they believe things are evolving for the next generation. As always, thank you for “Staying Coachable.”  Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Join Aaron and Nic in this episode of Coffee with Your Retirement Coach as they discuss the challenges of holiday gifting while managing taxes. They detail how to make sure Uncle Sam isn't on your Christmas list by balancing generosity with smart financial planning, sharing valuable lessons on utilizing Qualified Charitable Distributions (QCDs), Donor-Advised Funds (DAFs), and gifting appreciated assets. The episode is packed with actionable tips for retirees and anyone looking to make impactful, tax-efficient gifts. Tune in for stories, strategies, and advice on how to give thoughtfully during the holiday season. 00:00 Introduction and Common Holiday Gifting Dilemma 00:30 Combining Generosity with Smart Financial Planning 01:17 A Black Friday Story: Lessons in Generosity 03:32 The True Purpose of Gift Giving 04:39 Maximizing Tax Benefits with Charitable Giving 05:45 Understanding Qualified Charitable Distributions (QCDs) 13:09 The Power of Donor Advised Funds (DAFs) 17:57 Generosity and Financial Planning 18:42 Establishing and Managing Donor Advised Funds 19:24 Guardrails and Financial Considerations 20:45 Gifting Highly Appreciated Assets 24:41 Living Legacy and Tax Strategies 30:30 Charitable Remainder Trusts 34:05 Recap and Final Thoughts   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Watch on YouTube: https://www.youtube.com/channel/UCOq6-cPoSmotfEToSbA4m1w   Connect with us on Facebook: https://www.facebook.com/search/top?q=yeomans%20consulting%20group,%20inc. 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.

TODAY our Coaches walk us through important year-end considerations that could help listeners pay less tax and maximize the benefits of their retirement accounts. From 401k's to ROTH, from highly appreciated assets to charitable giving, you won't want to miss today's Game Plan. Key topics include maximizing contributions to retirement accounts like 401(k), 403(b), 457 plans, and IRAs, understanding contribution limits and catch-up options for those over 50, and the importance of knowing your investment cost basis to avoid unnecessary taxes. The episode also covers the benefits and deadlines for Roth conversions and gain-loss harvesting strategies to minimize tax liabilities. Additionally, considerations for adapting to local tax laws and the ongoing SALT cap are addressed. The coaches emphasize the value of seeking wise counsel to optimize financial outcomes as the year closes.   00:08 Tax Planning Essentials 01:42 Maximizing Retirement Contributions 03:53 Catch-Up Contributions Explained 07:18 Roth Conversions and Deadlines 09:56 Market Insights and Gain-Loss Harvesting 15:19 Understanding Cost Basis 20:50 State and Local Tax Considerations   Have a question for the coach? Send it in to connect@yourretirementcoach.com   Watch on YouTube: https://www.youtube.com/channel/UCOq6-cPoSmotfEToSbA4m1w Connect with us on Facebook: https://www.facebook.com/search/top?q=yeomans%20consulting%20group,%20inc.

Gratitude and Thanksgiving This is an episode on how these two are keys to enjoying our best life, including our best economic life! Thanksgiving is finding peace in the chaos. Our Coaches challenge our mindset, how we might thrive and be the blessing! Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

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 what's essential. As our Coach today puts it: “You are not a tree, you can move" We hope you enjoy this episode. 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.

The Election is upon us. Many people are struggling with the FUD Factor-Fear, Uncertainty, and Doubt. In this episode Your Coaches will discuss real market outcomes based on various election results throughout history to help enable our audience to have more confidence and feel empowered so they can have better conversations about their personal finances with their financial professionals. Regardless of who wins this election, you should be empowered with a plan to win in your retirement!

In this episode our Coaches explore the idea of retiring now-from those things keeping you from your purpose, calling, gifts and passion-all while leading to a life that you love! Let's look at redefining retirement and starting today.

We believe the middle class in America isn't scared nearly enough in regards to taxation and potential future tax hikes! Let's talk about the things you should consider NOW to calm those tax fears!!

 What is that 1 THING that would make the biggest impact on your life? That THING that would make the biggest difference for yourself, your family, and the organizations you care about?

Is your retirement plan filled with “Somedays” & “One Days”? In this episode we discuss the non-linear nature of retirement income, living legacy and the BIG REGRET! Knowledge of your personal finances and knowing what they're capable of can set you free to “Take The Trip.” 

As the world has it's eyes on Paris and this year's Olympic Games, we take a deeper look at what it takes to be a competitor at that level. We'll discuss the characteristics and behaviors, of these elite athletes and what we can learn from them to have a “gold medal retirement.”

Have you ever found yourself staring at the beneficiary designation portion of your paperwork feeling very unsure? If done incorrectly, Uncle Sam just might end up being your biggest beneficiary, and children can be accidentally disinherited. This episode breaks down some of our listeners' most common concerns and questions about beneficiary forms and where things go wrong.

In this episode with our coaches we discuss the importance of understanding that opportunities to have tax free assets come with opportunities to BLOW IT UP. Knowing the rules, and having a plan is imperative.

Often times the ROTH is the most identified tax-free Asset in retirement, but what about the HSA (Health Savings Account)-The Triple Tax-Free Play! Like with all plays, we need to know the rules. Join today's Coaches as they bring these Tax-Advantaged Powerhouses to the forefront.

How much you get is not as important as how much you get to keep when it comes to inheritance. This episode your coaches share the plays that can help you get more bang for your Inherited IRA buck.

This episode discusses the roads paved with good intentions.  The importance of implementation, maintenance and reviewing of your estate planning documents can't be overstated.

Your legacy plan might need to be reviewed! What are the new rules in regards to inherited IRAs, and what could it mean to the people you care about? Unless “Uncle Sam” really is your favorite uncle!

Stuck in a rut? Recalibrating your goals? The lessons learned and discussed in this episode could greatly influence your thinking in regards to your personal, professional and retirement life. Join us as our coaches dive into Dan Sullivan and Dr. Benjamin Hardy's powerful book, “The Gap and The Gain”.

You might not be as debt-free as you think you are. Most middle Americans are facing a growing debt unlike anything they've ever seen. It's one they didn't expect to have, and yet it seems to be increasing all the time. As a matter of fact as your money grows so does this debt. What are we talking about? Retirement accounts and taxation!

We get it, Insurance can be a complicated and nuanced subject. Solutions can be as unique as the individual investigating their needs. Whether your purpose is coverage or investment… Luck Is Not A Plan when it comes to insurance.

Tax laws are complicated and ever changing. We hate to tell you, but if your approach is to blindly hope for the best, bury your head in the sand or ignore them… Luck is NOT a plan!

Join in the conversation with your coaches, Randy & Nic, as they discuss "The Big Game". For many Super Bowl weekend means gatherings with great food and friends. Our coaches muse on what it takes to get to that moment, and what we can learn from that. 

Join in the conversation with your coaches, Randy & Nic, as they discuss Tax Bombs that can occur with your retirement accounts. You'll hear about a made man, the tax man & a good plan gone bad.

Join in the conversation with your coaches, Randy & Nic, as they discuss the importance of the right legal documents and apropriate planning. You'll hear about a sleepless night and what seemed right that led to accidental disinheritance.   

Join us for a conversation on the family wealth shift from “the farm” to the new financial world of today. If you were raised on a farm, you probably grew up learning a strong work ethic, understanding the seasons, and the idea of sewing seed and reaping a harvest. For today's generations, raised in the suburbs where paying off the mortgage and increasing the 401(k) was the goal, did they learn the same lessons as those raised on the farm?