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.

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.

05/15/2026

You retire at 63. RMDs don't start until 73. That's a ten-year window to move money out of your IRA before the government decides how much you take out.

Use it for Roth conversions. Pay tax now at a rate you control, not later at a rate you don't.

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













05/14/2026

Your IRA growing untouched sounds like a good thing, but it's not.

At 73, the government makes you withdraw whether you need the money or not. If you miss the required amount, you get a 25% penalty. And every dollar coming out is taxable income.

A $5M IRA becomes $16M in 20 years. So does the tax bill.

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













05/13/2026

Fear is not a financial plan; a spending plan replaces fear with clarity.

If you're avoiding the trip, skipping the upgrade, or still hunting for the cheapest flight, not because you can't afford it, but because spending still feels dangerous, that's worth addressing.

You don't need to guess. You need guardrails.

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


05/12/2026

If you've spent a lifetime saving and now have a seven-figure IRA, you might think you've won the game. But if that money has never been taxed, you aren't just compounding wealth, you're compounding a future tax problem.

In today's conversation, we're breaking down exactly how a "good" problem becomes a massive tax bill if you don't act before the government forces your hand, and why strategic Roth conversions could be the most important move you make for your retirement and your legacy..
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⏱️ Episode Highlights
[00:30] – The $5 million "good problem" that can quietly turn into a tax trap.
[01:25] – The Math: How a 6% growth rate creates a $16 million tax bomb over 20 years.
[02:10] – Forced taxation: Understanding RMDs and the cost of letting the government decide when you pay.
[04:15] – The Retirement Sweet Spot: Why ages 63 to 73 are your golden window for bracket management.
[05:30] – Why Roth-converted assets are a game-changer for your legacy and IRMAA calculations.
[06:15] – The malpractice standard: Why your advisor must be reviewing your tax returns every year.
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Links & Resources Mentioned
β€’ Email: [email protected]
β€’ Website: meritfinancialadvisors.com
βΈ»

Closing Thoughts
If this episode challenged the way you see your tax picture, share it with a friend who might be sitting on a tax bomb of their own.

Reach out at [email protected], we'd love to help you take action before the government does. Stay coachable!
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Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

05/11/2026

Most people spend 30 years learning how to save, without knowing how to withdraw their savings.

Knowing how to take the money out is just as important as knowing how to put it in.

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


05/07/2026

The better life is usually just on the other side of a specific, deliberate ask.

Every person living a life they didn't intend made the same quiet choice: they stopped asking for more, looking for better options, and pushing on doors that might have opened.

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


05/06/2026

When you plant small, consistent actions, you reap the benefits in another season.

This is why one good habit practiced daily for a decade doesn't just add up; it sets you apart.

In health, in knowledge, in relationships, in wealth. The math always catches up eventually.

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

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