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.

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⏱️ 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.

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Links & Resources Mentioned

• Email: connect@meritfa.com

• Website: meritfinancialadvisors.com/about/locations/marietta-ga/

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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!

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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.

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Disclaimer

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