Retirement Coffee Talk

Four Options for How to Use Your 401(k)

April 16, 2024 08:00 - 10 minutes - 9.62 MB

Cash it out, roll it over, convert it. Your 401(k) has a number of options in retirement. What are the pros and cons of each one? See omnystudio.com/listener for privacy information.

Tax Talk: IRAs, 401(k)s, and more

April 15, 2024 20:05 - 50 minutes - 46.6 MB

On this week's show: Your IRA: How does it help your tax picture and how many should you have? Is it possible to be TOO conservative with your investments? Is the recent market pullback a signal of recession? 4 options for your 401(k). The pros and cons of Medicare Advantage plans. See omnystudio.com/listener for privacy information.

Ask Charisse: Being Smart About Taking Money Out of Your 401(k)

April 10, 2024 08:00 - 6 minutes - 5.65 MB

In our Ask Charisse segment, we talk about taking money out of your IRA or 401(k). Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Our response to: Retirement is stupid!

April 08, 2024 15:13 - 51 minutes - 47.3 MB

On this week's show: One conservative talk show host declared that "Retirement is Stupid". We have another viewpoint. You think airline baggage fees are bad? Take a closer look at the financial industry. Suzi Orman talks Social Security and capital gains, but her advice could point you toward trouble. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, Link...

Let’s dump the idea of working forever | Figuring out your Social Security strategy | Building your retirement paycheck | Warren Buffett’s 5/25 Rule

April 04, 2024 08:00 - 51 minutes - 46.8 MB

On this week's show: 92% of us are retired by age 75. Can we get you retired earlier? Answering your Social Security questions. You know your paycheck now, what is your paycheck in retirement? Warren Buffett wants you to make a list for retirement. See omnystudio.com/listener for privacy information.

No pension, no problem. Let’s build one!

April 02, 2024 20:21 - 10 minutes - 9.21 MB

Most of us love the idea of a monthly pension check in retirement. Yet few of us have one. If you don’t have an employer pension, have you discussed a personal pension? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Should you plan retirement as an optimist or a pessimist?

March 26, 2024 08:00 - 7 minutes - 6.73 MB

Some people plan for retirement focusing on everything that could go wrong. Some people plan hoping the stock market is going to return 10% every year. Should you be a pessimist, optimist, or realist? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

The Government wants to eliminate the 401(k)!

March 12, 2024 08:00 - 26 minutes - 24.7 MB

Most of us save most of our retirement money in a 401(k). Yet two articles popped up this week saying the Government wants to get rid of the 401(k) in less than 10 years. Why? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Could this 401(k) idea change retirement?

March 05, 2024 09:00 - 12 minutes - 11.8 MB

One of the big challenges of a 401(k) is the lack of a pension-like paycheck in retirement. IBM thinks they may have found the answer. Could it work for you? OR could you do this yourself? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

A Retirement Lesson from Tom Selleck

February 27, 2024 09:00 - 51 minutes - 47.2 MB

In this episode of Retirement Coffee Talk Podcast: How do you develop income with your 401(k)? IBM thinks they have the answer. Kevin O’Leary has an eye-popping number we need to save for retirement. What can we learn about retirement from Tom Selleck? The biggest “tax misses” in retirement planning. How to fill the income gap when you don’t have enough. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team...

Is the 401(k) getting any better?

February 13, 2024 09:00 - 10 minutes - 9.31 MB

The 401(k) comes up short in a lot of ways. No income, limited choices, poor performance. Charisse shares ways to overcome some of these problems. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

2024 is the peak of baby boom retirement

February 10, 2024 09:00 - 50 minutes - 46 MB

On this week's show: 12 thousand people will turn 65 every day in 2024. Are you ready for retirement? Has the 401(k) made any improvements in the last few years? Do you have to “lock up” your money in retirement? The changes in retirement laws in 2024. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener fo...

The Hot Stove Lesson of Your 401(k)

February 06, 2024 09:00 - 7 minutes - 6.67 MB

Your mom told you not to touch the hot stove or you’ll get burned. The government and the financial industry are trying to use the same lesson with your 401(k). Is it good advice? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Is there a financial crisis coming?

February 03, 2024 18:14 - 51 minutes - 46.8 MB

On this week's podcast: When the talking heads say there is a financial crisis coming, what does that mean? Taxes in retirement are different than taxes in your working years. How often should you rebalance? The Government wants you to treat your 401(k) like a hot stove. See omnystudio.com/listener for privacy information.

Are you about to get a love letter from the IRS?

February 01, 2024 17:02 - 7 minutes - 7.29 MB

If you decided to take advantage of the higher interest rates with a CD or other product in 2023, look for a form in the mail soon from the IRS. See omnystudio.com/listener for privacy information.

Helpful Tax Moves You May Not Know About

January 25, 2024 09:00 - 51 minutes - 47.1 MB

Charisse provides insights on lesser-known aspects of taxes, plus: Should you invest in the new Bitcoin ETF? Is the 60/40 portfolio back? A prediction the market will lose 50 to 60% in 2024. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Four moves that can help you reduce your tax bill

January 23, 2024 09:00 - 8 minutes - 8.07 MB

Did you know you can get an extra deduction just for being 65? Charisse has other tips that she says her clients miss that they (and you) need to know about. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

3 Burning Topics on Minds of Retirees

January 16, 2024 09:00 - 49 minutes - 45.4 MB

In today's episode, Charisse addresses 3 big retirement concerns: Boomers and Millennials differ wildly on how much money will make them happy. Where do you stand? Can a 401(k) alone fund a 25-year retirement? Another year, another check to the IRS. Will this be your story in retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTub...

How will the financial stories of 2023 unfold in 2024?

January 09, 2024 09:00 - 50 minutes - 46.3 MB

In this episode, we look at interest rates, the Fed, markets, regional banks, The Magnificent 7's and more. Learn what's in store for 2024. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Can you retire without long-term care insurance? The answer may be yes!

January 02, 2024 09:00 - 9 minutes - 8.8 MB

Long-term care insurance is expensive, but the cost of a long-term care event can be outrageous. What are the coverage options and at what point can you fund it out of pocket? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Florida shows up big on the "Best Places to Retire" list!

December 26, 2023 09:00 - 6 minutes - 6.07 MB

Charisse provides valuable insights for those considering a move to Florida. There's great weather and quality of life, but there is one thing Florida offers that many states don’t. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Are CDs, I-Bonds, Treasuries, and annuities too high maintenance?

December 19, 2023 18:42 - 9 minutes - 8.4 MB

When you use financial products that have terms like 3 months, 6 months, or a year…you are constantly making decisions. Is this a turn off to retirees’ or does it make them more engaged? See omnystudio.com/listener for privacy information.

Your checklist 5 years before retirement

December 12, 2023 09:00 - 13 minutes - 12.3 MB

They call it “The Retirement Red Zone.” It’s what you should be aware of 5 years before retirement and the first 5 years in retirement. Charisse walks through what it is to “do the math” on your retirement. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Has Dave Ramsey gone off the rails?

December 05, 2023 09:00 - 8 minutes - 8 MB

Recently, respected financial radio host Dave Ramsey suggested you can have an 8% pull on your money in retirement. Charisse finds a lot that could go wrong here. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

How fees can eat up your retirement money

November 28, 2023 09:00 - 20 minutes - 19 MB

Most of the places where you are saving for retirement like 401(k)s, Mutual Funds, stocks, bonds, etc have fees. The financial industry makes them hard to find. Is there a way to cut down on these fees and put more of that money in your pocket? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy inf...

What the history of taxes tells us about our future

November 21, 2023 09:00 - 14 minutes - 13.3 MB

Imagine a 90% tax bracket. It may sound crazy, but it happened not that long ago. What is your strategy for your tax infested 401(k) if taxes go up again? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Alternatives to the 60/40 Portfolio

November 14, 2023 09:00 - 16 minutes - 15.4 MB

When stocks and bonds are both down, the classic Wall Street 60/40 portfolio doesn’t work. Learn about the Zinnia Wealth alternative: The 40-30-20-10 portfolio. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Four Things You Need to Consider Before Retirement

November 07, 2023 09:00 - 17 minutes - 16.4 MB

There are many aspects that go into retirement planning, but not all of them pertain to your investments. Where will you live? How will your healthcare be covered? Will you continue to work part-time? How do you generate the income you need for the retirement you want? Charisse goes in depth on all of these. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, L...

Is part of your retirement plan experiencing a 2008?

October 31, 2023 08:00 - 14 minutes - 13.2 MB

Many of us have used the Wall Street default mix of 60% stocks and 40% bonds. That idea has work well for many years…until now. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy information.

Using your 401k in retirement

October 24, 2023 08:00 - 9 minutes - 8.72 MB

For many of us, our 401(k) will be our biggest asset in retirement. How do you protect it, grow it, and pull income from it? See omnystudio.com/listener for privacy information.

Inheritance planning – Protect me, from me!

October 17, 2023 10:45 - 9 minutes - 8.67 MB

Whether you receive a house, some land, or an amount of cash, inheriting money takes some planning. And if you are passing money down to your children and grandchildren, that make take even more planning. Where do you start? See omnystudio.com/listener for privacy information.

Should you change your Medicare Plan?

October 10, 2023 08:00 - 12 minutes - 11 MB

The Medicare election window opens in October and closes in December. What do you need to know about Medicare if you are just starting, and what do you need to know about the supplements if you are already using Medicare? See omnystudio.com/listener for privacy information.

A Scholarly Perspective on Today's Retirement Planning

September 26, 2023 14:00 - 10 minutes - 9.56 MB

Charisse Rivers of Zinnia Wealth Management has a discussion with Dr. Roger Ibbotson and Dr. William Goetzmann from the Yale School of Management on what is working and not working for retirees and pre-retirees in this high inflationary economy. Dr. Robert Ibbotson is the Professor in the Practice Emeritus of Finance at Yale School of Management and chairman of Zebra Capital Management, LLC. Dr. William Goetzmann is the Edwin J. Beinecke Professor of Finance and Management Studies a...

Risk Aversion and Retirement Planning

September 19, 2023 08:00 - 6 minutes - 5.91 MB

In this episode of Retirement Coffee Talk, Charisse Rivers highlights how to be risk-averse and still get the growth to fund retirement. She explains the importance of having a written retirement plan and how to work with a financial advisor to help choose the right investments for your individual needs. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! See omnystudio.com/listener for privacy inf...

A shocking revelation from the world’s biggest investment company

September 12, 2023 08:00 - 8 minutes - 7.51 MB

What does it mean when the world’s biggest investment company is telling you to plan for retirement by dialing back risk and use products OUTSIDE the stock market? See omnystudio.com/listener for privacy information.

Full Show 9/9/23

September 09, 2023 08:00 - 50 minutes - 46 MB

Cash is trash or cash is king. Which is it? Can you go through retirement with all your money in a 401(k)? A shocking revelation from the world’s biggest investment company. Uncle Sam says you have to take money out of your IRAs at age 73. What if you don’t need the money to live? What are your options? See omnystudio.com/listener for privacy information.

Ask Charisse – Should I buy gold?

September 05, 2023 08:00 - 6 minutes - 6.4 MB

You see the commercials all the time: “Protect yourself from a market crash by buying gold!” Is it a good move? Charisse breaks down the pros and cons on today’s special podcast epsiode, “Ask Charisse.” 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! About Charisse Rivers CEO & Financial Planner | Over 15 Years of Experience Charisse Rivers is a retirement strategist focused on helping pe...

Will Uncle Sam take a bite out of your Social Security?

August 31, 2023 08:00 - 10 minutes - 9.89 MB

Is it really possible that your social security could be taxed in retirement? For some people, that may indeed be the case. Charisse Rivers of Zinnia Wealth Management talks about who may face this tax obstacle and if there's any strategies to help avoid it. Plus, is it a good strategy for someone retiring at age 62 to draw money solely out of their 401(k) while waiting until 70 to start taking Social Security. See omnystudio.com/listener for privacy information.

When is the right time to take Social Security?

August 29, 2023 08:00 - 14 minutes - 13.2 MB

Charisse Rivers of Zinnia Wealth Management talks about one of the most asked questions about retirement, "When should I take Social Security?" 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! About Charisse Rivers CEO & Financial Planner | Over 15 Years of Experience Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She i...

A retirement lesson from Jerry Seinfeld

August 21, 2023 07:00 - 7 minutes - 6.45 MB

Assuming your retirement is going to work out because you’ve been a good saver can be dangerous. It’s time to do the math. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! About Charisse Rivers CEO & Financial Planner | Over 15 Years of Experience Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in A...

Is Billy the Kid managing your retirement?

August 15, 2023 18:42 - 5 minutes - 4.72 MB

What happens when your financial advisor retires? Do they hand you off to “Billy the Kid”? When is it time to seek out a new advisor and what do you look for? See omnystudio.com/listener for privacy information.

Welcome to the Retirement Coffee Talk Podcast with Charisse Rivers

August 13, 2023 20:00 - 33 seconds - 553 KB

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth and is the CEO of Zinnia Wealth Management. She and her team are specialists in retirement and estate conservation. They can help you answer the questions you may have about your financial future. Zinnia Wealth Management is committed to you for the long run. Zinnia Wealth Management specializes in personally helping families, individuals and businesses achieve financial sec...

84% of us are making this retirement mistake

August 09, 2023 07:00 - 12 minutes - 11.3 MB

If you don’t have a tax plan going into retirement, you will likely have to follow Uncle Sam’s plan, and that may not be the best option for your retirement. Listen to the latest episode of Retirement Coffee Talk podcast for more insights from Charisse Rivers of Zinnia Wealth Management! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube About Charisse Rivers CEO & Financial Planner | Over 1...

Candace Owens gives advice to women on preparing for retirement

August 07, 2023 07:00 - 7 minutes - 6.45 MB

Charisse Rivers of Zinnia Wealth Management sits down with author and political commentator Candace Owens. They discuss motherhood, raising a family in today's world, who Candace would pick as a presidential running mate and the key to females being prepared financially for retirement. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

Country Singer Gary LeVox Shares His Plan For Retirement

July 29, 2023 10:00 - 5 minutes - 5.24 MB

Charisse Rivers of Zinnia Wealth Management sits down with former Rascal Flatts lead singer Gary LeVox. They discuss the award-winning vocalist's new solo career, the importance of having the right team around you and his plan for retirement. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

Addicted to stocks? It might be time for rehab!

July 24, 2023 10:00 - 19 minutes - 17.5 MB

Through all the ups and downs of the past 40 years, many Baby Boomers have built their wealth using the stock market. But as you get into retirement, should you be that dependent on the market or is it time for something else? And what is that something else? Tune in to Retirement Coffee Talk with Charisse Rivers. She explains it all! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omn...

Ask Charisse – Questions from our listeners

July 17, 2023 07:00 - 24 minutes - 22.3 MB

This week Charisse handles your questions about how your Social Security could be taxed, the pros and cons of CDs and Annuities. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

Charisse gets real with her listeners!

July 10, 2023 12:00 - 10 minutes - 9.29 MB

Charisse Rivers of Zinnia Wealth Management gets indepth on tax planning and answers real questions her listners ave asked, such as: How can planning help reduce the overall tax burden in retirement? Should you consider converting to a Roth IRA? Is it a good idea to use money from a 401(k) to pay the taxes from that conversion? 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listene...

Financial Independence: Unlocking Freedom and Peace of Mind

July 03, 2023 07:00 - 14 minutes - 12.9 MB

In this episode of the Retirement Coffee Talk podcast with Charisse Rivers, the focus is on the concept of financial independence. Charisse discusses what financial independence means and why it is essential for a worry-free retirement. She emphasizes the importance of having the freedom to spend your money, being free from financial worries, and exploring strategies to minimize taxes. Charisse also addresses common concerns and misconceptions about retirement planning and offers insights ...

Retirement Planning: The Importance of a Second Opinion Review

June 21, 2023 16:02 - 14 minutes - 13.4 MB

Join Charisse Rivers and Zinnia Wealth Online on the Retirement Coffee Talk podcast as they discuss the significance of getting a second opinion review for your retirement plan. In this episode, they delve into the reasons why it's crucial to reevaluate your financial advisor's strategies and explore new possibilities for your retirement portfolio. Whether you already have an existing plan or are starting from scratch, discover the key insights and expert advice that can help you retire wi...

Retirement Coffee Talk

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