Your Retirement Coach

Your Retirement Coach Your Retirement Coach Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

09/03/2026

Many people have a power of attorney and assume they are covered, but most documents are missing one critical piece of language that keeps them valid when you are actually incapacitated.

Without durable language in the document, it stops working at the exact moment you need it most.

Pull out your document today and make sure that language is in there.

🎧 Check the link in the first comment to watch full episode

09/02/2026

Most people do not know that estate planning is state-specific, and what works in Georgia may not work anywhere else.

If you spend time in another state regularly, you need that state's documents too.

🎧 Check the link in the first comment to watch full episode

08/31/2026

Inflation is still running 3.4%, mortgage rates are stuck in the mid-6s, and US diesel reserves are at lows we haven't seen since the 1980s. So where's the opportunity?

In this Coffee Break, Nic and Randy Yeomans sit down with special guest Brian Andrews, Chief Investment Officer at Merit Financial Advisors, to break down five topics in under 50 minutes:
1. Inflation
2. The Federal Reserve
3. Interest rates
4. Real estate
5. Energy policy

In this episode:

- Why the Fed may hold rates steady through year-end, and what new Chairman Kevin Warsh's low-guidance approach means for investors
- The shift toward a buyer's market: national housing inventory at 4.6 months (5.2 in Georgia) and 160,000+ realtors exiting the industry since its 2022 peak
- Data centers, AI, and why "sleepy" utility stocks have become growth stocks
- America's real energy problem: it isn't supply, it's refining capacity
- Why bonds are cool again at 6–7% yields, plus small caps, industrial real estate, and energy infrastructure
- What real diversification looks like when 30% of your portfolio is secretly Nvidia, Apple, and Meta

CHAPTERS
0:00 Welcome & meet Brian Andrews, CIO of Merit Financial Advisors
1:48 Inflation check: July's 3.4% and who it hits hardest
4:59 The Federal Reserve, Kevin Warsh & the case for holding rates
8:10 Real estate: are we entering a buyer's market?
12:10 Real estate as an asset class: industrial, logistics & REITs
16:14 Data centers, AI & the coming energy demand
20:16 Energy policy: Strait of Hormuz, diesel reserves & the refining bottleneck
26:42 The case for a second look at nuclear
28:51 Where's the opportunity? Bonds, small caps & energy infrastructure
36:01 Tax planning beats prediction: Roth conversions & QCDs
38:17 What real diversification actually looks like
45:18 Two closing opportunities: entrepreneurs & homebuyers
47:23 What's next: monthly market updates from Brian

Have a question for the coaches? Email us at [email protected]

If you know someone who needs to hear this episode, share it with them. And don't forget to subscribe so you never miss a Coffee Break.

Stay coachable.

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Links & Resources Mentioned

• Email: [email protected]
• Website: https://f.mtr.cool/pp56dtmye0

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If today's episode resonated with you, please like, share, comment, and subscribe, it helps us reach more people who need to hear this.

Disclaimer:
Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.




08/31/2026

What if your spouse needed to sell your home to take care of you but could not legally do it without you?

Without a financial power of attorney, they cannot sign anything and would have to petition the court just to sell a house you both own together.

Get that document in place before you ever need it.

🎧 Check the link in the first comment to watch the full episode

08/20/2026

Do not grow old wishing you had done more when you had the chance.

The trips never taken. The things postponed. The things kept postponing. Time moves faster than you think, and one day you won’t be able to put off another thing.

Plan for the life you want now while you still can.

🎧 Check the link in the first comment to watch full episode

08/19/2026

Your retirement bucket list has an expiration date, and it is not when you run out of money.

Your health determines what you can do and when. The people who actually travel are the ones who stop waiting and build it into the plan now.

Do it while you can.

🎧 Check the link in the first comment to watch full episode

08/17/2026

Most people push retirement back without ever running the numbers.

The difference between retiring now and retiring in five years might be smaller than you think.

Ask yourself if those extra years are really worth the extra income. You might already be done.

🎧 Check the link in the first comment to watch full episode

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.
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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.
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Links & Resources Mentioned
• Email: [email protected]
• Website: https://f.mtr.cool/rdvmcteaqk
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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!
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Disclaimer:
Investment advice offered through Merit Financial Group, LLC, an SEC-registered investment adviser.

08/06/2026

Unlike an FSA, your HSA goes wherever you go. Job change, layoff, career pivot, the account and everything in it stays yours.

Set it up for the long term, check it years later and you'll be surprised how much it has grown.

The best accounts are the ones quietly working while you are not watching.

🎧 Watch full episode @ link in bio















08/05/2026

Your HSA is the most underused retirement account in America.

A Roth IRA is great. An HSA is better. Contributions go in tax free, it grows tax free, and qualified medical expenses come out tax free. No other retirement account does all three.

FSA, spend it. HSA, grow it. Know the difference.

🎧 Watch full episode @ link in bio















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