I need some advice on how to complete a garden wall/retaining wall.

I have the blocks currently stacked up until they are about 2, maybe 3
inches below the level of the turf at the top of the wall. If I add another
layer to the wall the blocks will be about 5 inches above the turf. My
question is what would be better, adding another layer and having the wall
terminate above the turf, or letting the wall end 3 inches below the turf?