Your Retirement Coach

Your Retirement Coach Your Retirement Coach

Financial Planning and Investment Advisory services are offered through Yeomans Consulting Group, Inc., YourRetirementCoach , a Registered Investment Advisor. Insurance products and services are offered by licensed individuals associated with Yeomans Consulting Group, Inc., YourRetirementCoach, in a separate business capacity.

06/18/2026

Over 90% of estate plans will either fail or not work the way clients think they will.

This is because most people have no idea their plan has gaps until it's too late to fix them.

Working with a retirement coach means you leave every meeting knowing exactly where you stand and what to do next.

🎧 Watch full episode here: https://f.mtr.cool/syccyjalqc














06/17/2026

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.
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⏱️ 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 β€” without the IPO risk.
[25:32] – The Cindy story: Why wise counsel always beats FOMO.
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Links & Resources Mentioned
β€’ Email: [email protected] β€’ 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 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 [email protected] and stay coachable!

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

06/17/2026

Most people walk into retirement worried they won't have enough to really live.

Our clients thought the same thing. Ten years later, the growth surprised them; now they have a comfortable lifestyle.

That's what the right retirement plan actually does. It doesn't just protect your money. It lets you use it.

🎧 Watch full episode here: https://f.mtr.cool/wgoheypkwr














06/16/2026

Some of the best money lessons come way before anyone teaches you about investing.

The work ethic that starts early is usually the same one that builds lasting retirement wealth.

🎧 Watch full episode here: https://f.mtr.cool/stppwkulov












06/15/2026

The best retirement advice is also the simplest: start saving early and don't stop.

Most people hit their 50s and wish they had started sooner. And ask yourself whether you need it or want it before you spend it.

These simple habits change everything by retirement.

🎧 Watch full episode here: https://f.mtr.cool/qfohcqxhdz















06/12/2026

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.
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⏱️ 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

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Links & Resources Mentioned
β€’ Email: [email protected]
β€’ Website: meritfinancialadvisors.com/about/locations/marietta-ga/
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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.

05/28/2026

Social Security isn't going to zero; it's going to be smaller.
The trust fund depletes in 2033, but payroll taxes keep coming in and keep paying benefits. The projection without any fixes is still 70% of what you're owed.
A reduced check is not the same as no check.

🎧 Watch full episode here: https://f.mtr.cool/zhpqbqkuqs

05/27/2026

"Wait until 70" is not universal advice. It's generic advice dressed up as wisdom.
Your health, your cash flow, and your goals determine when you claim your Social Security. Not influencers

Do what's right for your life. That's the only rule that matters.

🎧 Watch full episode here: https://f.mtr.cool/dkuzpjwdhs

05/25/2026

Politicians won't touch Social Security because the people aged 60 and older who vote protect it fiercely.
That's actually good news if you're close to retirement. Social Security is important; stop guessing and have full knowledge about it.

🎧 Watch full episode here: https://f.mtr.cool/xxgreqrodp

05/21/2026

Title: 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.
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⏱️ 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.
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Links & Resources Mentioned
β€’ Email: [email protected]
β€’ Website: meritfinancialadvisors.com
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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 [email protected]. 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.

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