Retirement Coffee Talk

Charisse Rivers of Zinnia Wealth discusses the ups and downs of being too aggressive or even too conservative with investments. Find out more at zinniawealth.com . See omnystudio.com/listener for privacy information.

Charisse Rivers of Zinnia Wealth discusses missteps people make with Social Security. Taking it at the wrong time and working while collecting their benefit.  💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube   See omnystudio.com/listener for privacy information.

Moms have the most important job in the world. Many moms will spend a lot of time in retirement alone. How can we help with good financial planning? See omnystudio.com/listener for privacy information.

It’s Mother’s Day! Honoring our moms before and in retirement. Don’t miss the opportunity of these high interest rates! Don’t ignore your check engine light or your check retirement light. What if mom and dad aren’t getting financial help? How do you step in? See omnystudio.com/listener for privacy information.

When you go to a casino, they give you a sheet that shows you the odds of winning each game. Should Wall Street do the same? How do you decide how much of your retirement money should be in the stock market? See omnystudio.com/listener for privacy information.

Three things we all need from a retirement plan are protection, income, and growth. Charisse outlines how Zinnia Wealth addresses all three.   Plus: The 6 mistakes people make before retirement (and how to avoid them). See omnystudio.com/listener for privacy information.

Using your tax refund to lower your taxes in retirement. Are you a good candidate to move money from your IRA to a Roth? See omnystudio.com/listener for privacy information.

Want to retire early? How do you fill the income gap if you want to wait on Social Security? We found another crazy retirement rule. Does it work? Putting your tax refund to work to lower your taxes in retirement. In your 70s is not too late to talk about estate planning. See omnystudio.com/listener for privacy information.

Wall Street has always loved a mix of 60% stocks and 40% bonds. Last year that design had one of it’s worst years ever. This year it’s performing better. Is 60/40 back? See omnystudio.com/listener for privacy information.

Could your fear of the stock market paralyze you when it’s time to invest for growth? Is the Wall Street 60/40 portfolio working again? Making the adjustment from saving to spending. Escaping your old annuity. The joy of spending your kid’s inheritance. See omnystudio.com/listener for privacy information.

New laws and new ideas to limit your tax bill in retirement. See omnystudio.com/listener for privacy information.

Market prediction for this summer: Down 3000 points!  Boomers pay 60% of Federal income taxes. Are you paying too much? The common “Are you kidding me?” moment in our Portfolio X-Ray. Changes this year with RMDs. Are you a good candidate for an IRA-to-Roth conversion? What is ESG investing? Planning for your money and your time in retirement.  See omnystudio.com/listener for privacy information.

Some things make psychological sense, some things make financial sense. Weighing out the idea of being mortgage-free in retirement.   See omnystudio.com/listener for privacy information.

Will we see more banks fail? Social Security has more bad news about cutting back benefits. Should I pay off my house before retirement? If I have to write the IRS a check this year, did I do something wrong? The hard conversation of Long-Tern Care coverage. Retirement calculators: Can you trust them? See omnystudio.com/listener for privacy information.

With the NCAA Basketball Tournament wrapping up, we have a list of six things you should check off to complete your retirement. We call it the Slam Dunks of Retirement Planning.    See omnystudio.com/listener for privacy information.

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There are many options when it comes to risk and safety in your portfolio. The classic 60% stocks and 40% bonds is not working. What does Zinnia Wealth suggest to replace it? See omnystudio.com/listener for privacy information.

What are people most concerned about right now? Taking advantage of the higher interest rates with T-Bills. Get out of your 60-40 portfolio! Shifting through the different kinds of financial professionals. Who is right for you? See omnystudio.com/listener for privacy information.

We revisit an interview Charisse conducted with the 3-time Naismith College Basketball Coach of the Year and current University of Kentucky head coach, John Calipari.  See omnystudio.com/listener for privacy information.

What do we need to know about the recent bank failures? Is 5% growth enough to fund a retirement? March Madness is underway, so is Tax Madness. Are you ready for April 15th? A new withdrawal theory: Take more when the market is good, cut back when the market is bad. Does it work? What is the "Widow's Tax Penalty” in retirement? See omnystudio.com/listener for privacy information.

Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one. See omnystudio.com/listener for privacy information.

Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one. Charisse talks about her recent experience playing in the WM Phoenix Open.  See omnystudio.com/listener for privacy information.

Over 90% of financial advisors leave the business in 3 years. Why Zinnia Wealth continues to thrive and stand the test of time. See omnystudio.com/listener for privacy information.

Part of our goal at Zinnia Wealth is to take some of the mystery and worry out of retirement. Doing the math and seeing it on paper is a great way to start. See omnystudio.com/listener for privacy information.

What to do if we see a big market drop this year. Suzi Orman just made an interesting move toward portfolio protection. What to consider when making your Social Security decision. They say I’m not rich enough to have a financial advisor! Over 90% of financial advisors don’t last 3 years, why Zinnia Wealth continues to thrive and stand the test of time. See omnystudio.com/listener for privacy infor...