Retirement Coffee Talk

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 an...

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 omnystudi...

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 !...

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...

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 in...

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 We...

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 omnys...

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.

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.

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...

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...

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 wit...

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 informat...

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 omnystud...

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 omn...

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.

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 , Linke...

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/listen...

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 Man...

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 pr...

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...

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, an...

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.

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.

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.