Retirement Coffee Talk

What happens if you tell your employer you want to start cutting back and slowly phase into retirement? 5 years ago, that might not have worked. Today the answer may work more in your favor. See omnystudio.com/listener for privacy information.

Have attitudes changed toward phased retirement? How much do you need to save to produce an income of 50k per year? Making a career decision because of taxes. When you have a retirement spending problem…you don’t spend enough!  See omnystudio.com/listener for privacy information.

It may take the Federal Reserve a long time to get us back to 2 percent inflation. How will your retirement portfolio stand up to 4 to 5 percent inflation if it lasts for an extended period of time? See omnystudio.com/listener for privacy information.

The new inflation numbers are out, and it looks like the Fed will have to keep raising rates. Can you take advantage of these higher interest rates? Congress is changing the retirement rules again with Secure Act 2.0. What do you need to know? What tax planning moves can you make before April 15th? Navigating the choices in your 401(k). Mailbox money: How do I develop checks every month in retirem...

Financial advisor, Investment advisor, CFP, Wealth Manager…it goes on and on. How do you know which one is right for you? See omnystudio.com/listener for privacy information.

The 60% stocks and 40% bonds model crashed last year. The Wall Street Journal has a new idea, Charisse isn’t convinced. See omnystudio.com/listener for privacy information.

Can you look at these market losses and say, “I choose NOT to participate.” Approaching retirement when you and your spouse have a big age gap. If the 60/40 portfolio is out, what’s better? How do you choose the right type of advisor for your needs? See omnystudio.com/listener for privacy information.

No one likes to lose money. That becomes a much more serious conversation right before you retire. See omnystudio.com/listener for privacy information.

How can you stop the losses from this current stock market? How is Zinnia wealth different from other financial advisory firms?   An example of an advisor that just isn’t listening. See omnystudio.com/listener for privacy information.

Over the last 10 years, most retirement plans were built on an inflation rate of 2 to 3%. If you don’t have increasing income built in, a year like 2022 can be a problem. See omnystudio.com/listener for privacy information.

We may be stuck with high inflation for years: What adjustments need to be made in your planning? New rules about IRAs, 401(k)s and RMDs. Facing retirement as a single. How you can help your kids and grandchildren with legacy planning. See omnystudio.com/listener for privacy information.

Congratulations! You’ve saved $1 million for retirement. Now how long will it last? According to CNBC, there is more than one major factor that affects that outcome.   See omnystudio.com/listener for privacy information.

Is the market reading the Fed correctly? Congress changed more retirement rules and you need to be in the know. How often should you be making changes to your retirement accounts? How long will one million dollars last in Florida? 401(k) fees: how much are you paying and what can you do about it? See omnystudio.com/listener for privacy information.

2022 was a tough year for the stock market and probably your retirement accounts. What do you do to preserve money in a volatile market and take advantage of some new opportunities? See omnystudio.com/listener for privacy information.

A look back at 2022. A look forward into 2023. What Congress did to retirement accounts while you were on vacation. Will the 60/40 portfolio make a comeback in 2023? See omnystudio.com/listener for privacy information.

You know how to save your money. But do you know how to spend it in retirement? Are employers now more open to phased retirement? How much do you have to save to develop $50k a year in retirement? Why do people use the swings of the stock market to determine their income? How making brownies gave Charisse and her kids a lesson in inflation. Learning investment “portion control” at McDonalds. See o...

Pulling your money back and forth between cash and equities and trying to time the market seldom works. What about a long-term strategy for market risk that you can stick with? See omnystudio.com/listener for privacy information.

Stop market timing! Have a long-term strategy for market risk. How do develop mailbox money? Making sense of your 401(k) options. Should I use an on-line bank for better interest rates? See omnystudio.com/listener for privacy information.

One of the reasons people leave their financial advisor is not due to lack of investment performance, it’s due to lack of relationship. How often should you expect to meet with your advisor? See omnystudio.com/listener for privacy information.

What happens if your job ends a few years before retirement? How are you supposed to feel about annuities if many advisors can’t agree on them? How often should you expect to meet with your financial advisor? Another scary pension statistic. See omnystudio.com/listener for privacy information.

One of the hardest things for some people in retirement is learning to spend their money and enjoy their life without the fear of running out of money. How can you spend with confidence? See omnystudio.com/listener for privacy information.

Do you take all the recession talk seriously and change your investment strategy? What is tax loss harvesting? How do you spend with confidence in retirement? Are employers more open to phased retirement? The biggest concern of retirees after “will I run out of money?". See omnystudio.com/listener for privacy information.

The IRS has changed the standard deductions, retirement contribution levels, gifting and more for 2023. We go through the highlights and have a new guide that outlines it all. See omnystudio.com/listener for privacy information.

How are interest rates pointing to a recession next year? The IRS has new laws for 2023 about taxes and retirement contributions. How much do you have to save to develop $50k a year in retirement? See omnystudio.com/listener for privacy information.

We work hard to create as much retirement income as possible, but with that comes a tax bill. Can you find a balance? See omnystudio.com/listener for privacy information.