Coffee with Your Retirement Coach

Welcome to Your Retirement Coach based in Marietta, Georgia. This platform is solely for informational purposes and is not offering advisory services or sales of securities. Investing involves risk and possible loss of principal capital. Comments by viewers or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, certain editing of personal identifiable information and misinformation may be deleted. The opinions expressed herein are as of the date of publication and are subject to revision due to changes in the market or economic conditions and may not necessarily come to pass. Investment advice offered through Merit Financial Group, LLC, a registered investment adviser.

Coffee with Your Retirement Coach is a business podcast hosted by Unknown Host, with 66 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Coffee with Your Retirement Coach, a business show with 66 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Coffee with Your Retirement Coach

  How to Know If You Have "Enough" Money to Retire

  Aug 12, 202622 min

  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. ⸻ 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. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: https://meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ 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! _______ Disclaimer: Investment advice offered through Merit Financial Group, LLC, an SEC-registered investment adviser.

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  Coffee with Your Retirement Coach

  HSA's Create More Tax-Free Wealth for Retirement

  Jul 31, 202624 min

  Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars. In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻ ⏱️ Episode Timeline & Highlights [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse. ⸻ 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, it helps us reach more people who want to keep more of what they've earned. Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you. Stay coachable! __________ Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

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  Coffee with Your Retirement Coach

  HSA's Create More Tax-Free Wealth for Retirement

  Jul 29, 202624 min

  Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars. In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻ ⏱️ Episode Timeline & Highlights [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse. ⸻ 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, it helps us reach more people who want to keep more of what they've earned. Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you. Stay coachable! __________ Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

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  Coffee with Your Retirement Coach

  Pre-Retirement Planning Done Right: Faith, Legacy, and Knowing When It's Time.

  Jul 16, 202644 min

  Retirement without a destination isn't freedom, it's just stopping. The most fulfilled retirees don't just walk away from a career; they walk toward something bigger, more purposeful, and deeply intentional. In today's conversation, Nic sits down with Mark and Diane Adams, a faith-driven couple approaching retirement, to explore what thoughtful pre-retirement planning actually looks like. From estate planning and tax strategy to legacy, generosity, and knowing when it's time to make the leap, this episode is essential listening for anyone approaching that next chapter. ⸻ ⏱️ Episode Timeline & Highlights [00:00] – Meet Mark & Diane: Almost 40 years of marriage and one granddaughter who runs the show. [05:15] – First money memory: An $84,000 house, six months into marriage and two very different opinions. [08:57] – Faith and finances: Why you can't out-give God and the funnel, not a bucket mindset. [13:00] – Advice to their younger selves: Be content in the season you're in. [15:30] – The "have to, should do, could do" framework for retirement thinking. [18:39] – Money and marriage: The spending conversation every couple needs to have. [23:40] – The three pain points: Taxes, estate planning, and retirement income. [28:29] – What they look for in an advisor: Shared faith, shared values, right questions. [32:00] – The donor advised fund: A giving strategy that changed everything. [34:18] – On the edge of retirement: Gather the facts, then listen to the Holy Spirit. [40:10] – Building the right team now: Why finding a doctor mirrors finding a financial advisor. [43:00] – Final words: Plan ahead, be proactive, and don't leave a mess for your kids. ⸻ Links & Resources Mentioned • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/ ⸻ Closing Thoughts If today's conversation resonated with you, please like, share, comment, and subscribe, it helps us reach more people who are ready to retire with purpose, not just a plan. Are you approaching retirement and wondering what the right questions are? Reach out at connect@meritfa.com — we'd love to have that conversation with you. Stay coachable! ________ Testimonial Disclosure This client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. ________ Disclaimer Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

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  Coffee with Your Retirement Coach

  Real Retirement Success: How 18 Years of Wise Counsel Tripled One Couple's Net Worth

  Jul 1, 202618 min

  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.

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