Retirement Coffee Talk

The fear of running out of money is real, and it has created another new problem 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 YouTube ! See omnystudio.com/listener for privacy information.

On this episode: TINA is back! People believe There Is No Alternative to the stock market. Are they correct? You may not spend too much or run out of money in retirement. But you may make this easy mistake. 4 trillion dollars are sitting in these 401(k) accounts, and they may not be doing what they promised. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Shar...

The CBS Morning Show is following people getting ready for retirement. After the April market pull back, they visited with one couple from Boston who were feeling the pain of losing market money and wondering if they can get away from the ups and downs of the stock market. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse...

Charisse and her daughter Ella have fun with Dog Bite Awareness month. How big and bad is the dog after your retirement money? 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 number of people that have over a million dollars saved for retirement is shockingly low. Are your retirement concerns and planning that much different than a millionaire? 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 omny...

On this episode: If the up and down of the stock market bothers you, ask yourself THIS question. The number “they say” we need for retirement keeps going up. How many people are actually getting there? Who is the rottweiler of 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...

In the same way you don’t want to pack dangerous items in your luggage when you get on a plane…you don’t want a fire starter in your retirement plan. What do we need to look out for? 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...

On this episode: What are the biggest advantages of using a financial advisor? The Roth is one of the best retirement planning vehicles. What if they change it? How long will your money last with a conservative approach? 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 : Face...

You need growth on your retirement money, but how much? 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.

You may have heard your 401(k) or IRA referred to as “A Tax Time Bomb.” We found one 90-year-old who is experiencing it and we discuss ways to avoid it. 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/...

On this episode: For the first time in memory, the number you need for retirement has dropped! Why? This 90-year-old missed a simple tax move that is now costing him thousands. Many of the people who spend more in retirement have this in common. 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 Weal...

We go through some of the mistakes people make when moving money from an IRA or 401(k) to a Roth. We also share a story of a 90-year-old who choose not to do conversions and is now in a tax nightmare. 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 , Linked...

On this episode: Should you be building up your cash reserves? The MVP of your Retirement plan. Things to watch out for in an IRA-to-Roth rollover. 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 priv...

We may not have a saving problem; we may have a SPENDING problem. Let’s give you the confidence to spend MORE! 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.

Many people get to retirement saying…I wish I had done this. 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 do the odds of success compare: Vegas or the stock market? You may be surprised. 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.

On this episode: Most of us want to retire and most of us want to STAY retired. Why are people going back to work in their 70s? Diving into your 401(k). What might be holding you back? One retirement strategy to grab onto with both hands. 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 Mana...

Each year, Bill Murray and his brothers sponsor a golf tournament in St. Augustine. We’ve been able to sit down with them for a lot of fun interviews. This time we asked a simple question about life’s little irritations, and got some great retirement advice. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse an...

On this episode: Some say we’re on the verge of a recession, some say otherwise. Is your portfolio ready for whatever the Market does next? What is a riskier proposition: Gambling in Vegas or being heavily invested in the Stock Market? Is Your Retirement Plan Ready for Long-Term Care Challenges? Bill Murray doesn't care for this particular fee. See omnystudio.com/listener for privacy informa...

Charisse Rivers explains how Roth IRAs can optimize retirement planning with tax-free growth. 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.

On this week's episode: Have the markets hit their low point? Are you moving money or riding this out? Death by 1,000 financial cuts. 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 informatio...

When an advisor says we are going to plan a 30-year retirement, many people will say they’ll never live that long. What if you do? 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 informa...

On this week's episode: Are you prepared for market ups and downs in your retirement? Gold: A Safe Bet or Risky Gamble? Why You Might Pay More Taxes in Retirement Retirement isn't just about finances; it's about creating lasting memories and joy. 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 Wea...

Trying to pull all your income from one place is possible, but before you try it, ask yourself THIS question. 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.

60/40, 70/30, ect. These are standard allocations for market risk. Sometimes they work, sometimes they don’t. Shouldn’t your portfolio allocation be more customized? 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 om...