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

10/14/2026

Does your banker really understand how your business makes money?

It’s one thing for your banker to know your name. It’s another for them to understand your revenue model, contracts, and how you actually get paid.

The better your banker understands your business, the better they can understand your financial needs.

🎧 Watch the full episode @ link in bio

   

10/12/2026

When a business owner needs something from their bank, timing can matter.

A delayed response on a critical banking need can affect the business and the families that depend on it.

That’s why banking is about more than transactions. Trust, communication, and responsiveness matter too.

🎧 Watch the full episode @ link in bio

   

10/07/2026

Thinking about selling your business or securing a business loan in the future? Start preparing your financials now.

It can be tempting to show more income only when you need financing, but lenders want to see consistent performance over time.

If financing is part of your future plans, your financial strategy should start well before the application.

🎧 Watch the full episode @ link in bio

  


09/17/2026

A beneficiary form is only useful if your financial institution still has it.

Bank mergers, acquisitions, and account changes can create gaps in your records. One missing form could mean your assets end up in probate when they otherwise might not have.

Check with your financial institution to make sure your beneficiary information is still on file.

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

09/16/2026

A will is more than a document with your wishes on paper.

Retirement accounts, trusts, minor children, and special needs planning can all require specific language. Missing those details can create costly problems for your family later.

Proper estate planning can help prevent unnecessary complications in probate.

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

09/14/2026

Giving money to your family can have tax consequences.

There are rules around how much you can gift, and retirement accounts come with their own tax considerations when passed to beneficiaries.

Estate planning isn't just about what you leave behind. It's about how you leave it.

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

09/10/2026

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 what can go wrong. They also cover several areas people often overlook, including digital assets, taxes, and long-term care.

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⏱️ Episode Timeline & Highlights

[01:53] – #10 Not having a will: How dying without a will leaves state law in control.

[03:39] – #9 Relying only on joint ownership: How joint ownership can affect who inherits your property.

[06:53] – #8 Not communicating your wishes with your family: Why family meetings can prevent confusion later.

[09:16] – Honorable mention: The "I love you" letter: How a personal letter can explain your estate planning decisions.

[10:59] – #7 Failing to maintain beneficiary designations: Why beneficiary forms can override your will.

[14:46] – #6 Not planning for incapacity: Why you need someone legally able to make decisions for you.

[17:05] – #5 Failing to fund a trust: Why creating a trust is only part of the process.

[19:18] – Digital assets and accounts: Why online accounts and digital assets need to be included in your plan.

[21:02] – Ignoring taxes: The different taxes that can affect your estate.

[24:48] – #4 Not planning appropriately for long-term care: How long-term care can quickly reduce your wealth.

[27:12] – #3 Assuming equal is fair: Why dividing assets equally may not always be the best choice.

[30:46] – #2 DIY documents without legal review: Why estate documents should be properly reviewed by an attorney.

[32:51] – #1 Waiting too long: How delaying your estate plan can create problems when circumstances change.

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Links & Resources Mentioned

• Email: [email protected]
• Website: meritfinancialadvisors.com/about/locations/marietta-ga/

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Closing Thoughts

If today's episode resonated with you, please like, share, comment, and subscribe. It helps us reach more families who need to get their estate planning right.

If one of these mistakes hit a little too close to home, reach out at [email protected]. We'd love to help. Stay coachable!
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Disclaimer!

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.




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