Retirement Coffee Talk

What does it mean to have a defensive strategy? Have we found the bottom? Don’t be fooled by a bear market rally. Why do people use the swings of the stock market to determine their income? More income, more taxes. Can you get around it? The IRS is changing a lot for 2023. See omnystudio.com/listener for privacy information.

Is there a better way than trying to time the recession and this market? With interest rates going up, is there a better place for your cash? There are over 3 trillion dollars in Target Date Funds. Is it a good place for your 401(k) money? A possible bond replacement for retirement. See omnystudio.com/listener for privacy information.

With the Country Music Awards coming up, Charisse took a trip to Nashville and was able to sit down with Jason Aldean. See omnystudio.com/listener for privacy information.

When you are taking money from accounts that are dropping in value, it can alter your future retirement outcome. How do you control what you can’t control? See omnystudio.com/listener for privacy information.

Adjusting your portfolio if inflation stays high. Taking money out of an account that is dropping. Can you retire successfully on 3 to 5% growth? When am I a good candidate to convert my IRA money over to a Roth. Learning investment “portion control” at McDonalds.    See omnystudio.com/listener for privacy information.

Credit card and mortgage rates are up, but the rates on bank CDs remain dismal. Can you survive in retirement on 2% growth? See omnystudio.com/listener for privacy information.

Rates at the bank are getting better, but is it enough? At what point do your cash holdings work against you? Is Bitcoin a good idea in your 401(k)? There are so many kinds of annuities. Is a variable annuity a good option? See omnystudio.com/listener for privacy information.

The Medicare window opens in October where you can decide to keep your current plan or switch to something different. When is the right time to switch? See omnystudio.com/listener for privacy information.

There are a lot of opinions about the markets and economy. Who do we believe? Medicare can be a tangled mess. How do you know when it’s right to switch plans? There are CPAs, stockbrokers, investment advisors, retirement planners, insurance agents, and more. How do you choose? See omnystudio.com/listener for privacy information.

Hurricanes are part of living in Florida. We build our houses with that in mind. We watch the weather and do our preparations. The Stock Market may be signaling hurricane. If you are getting close to retirement, are you preparing to limit the damage? See omnystudio.com/listener for privacy information.

You protect your property before a hurricane, but are you protecting your retirement accounts for what might be a financial hurricane? A global survey found these are the five things’ people get wrong as they get ready for retirement. What is tax loss harvesting and why is this a good year to look into it? See omnystudio.com/listener for privacy information.

We need a healthy balance in life between work and play. Your retirement money needs a healthy balance between risk and safety. That balance changes with age. What is the right balance for you? See omnystudio.com/listener for privacy information.

The Fed keeps raising rates and the market keeps going down. Are they off track? For your age, does your retirement money have the right balance of risk-to-safety? Ok, you aren’t a millionaire celebrity, but you may still need a will. Can you still peel off 4% of your savings each year and never run out of money? You may have losses at year end. Can tax loss harvesting help you lower your tax bill...

If most of your retirement money is saved in an IRA or 401(k), you might consider the tax saving measure of moving some of that money over to a Roth. Charisse talks about the pros and cons. See omnystudio.com/listener for privacy information.

One of the most common questions when people come in is: Can I retire? But with all that’s going on in the economy, another question is: Should I retire, or should I wait? See omnystudio.com/listener for privacy information.

There is so much more to a successful retirement than achieving a number in your account. It’s the planning that goes with it. See omnystudio.com/listener for privacy information.

There are many ways to develop income in retirement. You may have a lot of equity in your home. There is a way to turn that equity into cash for retirement. See omnystudio.com/listener for privacy information.

Someone wrote to the 'Market Watch' advice column wondering if they should leave their financial advisor. Charisse found a number of reasons to say YES! See omnystudio.com/listener for privacy information.

Women are very underserved by the financial industry. It’s mostly been guys talking to guys about investments. Charisse and her team are changing that.   See omnystudio.com/listener for privacy information.

Everything is more expensive. If you’re retired, will you have to make choices between paying for necessities and sacrificing your fun? See omnystudio.com/listener for privacy information.

The Fed has been wrong about inflation. Wall Street has been wrong about earnings. If the experts can’t predict the market, how can you predict and plan for your retirement? See omnystudio.com/listener for privacy information.

There are those on Wall Street that say that you must be in the stock market for growth and all the ups and downs are just the price of admission. Is that true for all of us? See omnystudio.com/listener for privacy information.

The markets are down as inflation and interest rates go up. How long will this last and what can you do to preserve your retirement money? See omnystudio.com/listener for privacy information.

Charisse talks with former Vice President Mike Pence about taxes, Social Security, and the American Dream. See omnystudio.com/listener for privacy information.

Should you be financially boarding up windows and filling sandbags right now? Charisse takes you through steps for dealing with falling markets and a possible recession. See omnystudio.com/listener for privacy information.