Charisse Rivers

Retirement Coffee Talk

Business EN ↓ 470 episodes

Retirement Coffee Talk is the ultimate podcast for anyone seeking financial insights on retirement planning. Join Charisse Rivers, the founder and president of Zinnia Wealth Management, for a blend of fun and informative discussions on the latest financial trends and the keys to achieving a fulfilling retirement. Whether you're a seasoned investor or just beginning your financial journey, Retirement Coffee Talk is your go-to. Tune in weekly and empower yourself to make confident financial decisions for a secure and fulfilling retirement.💬 Engage, Share, and Learn even more with Charisse and h...

Author

Charisse Rivers

Episodes

Financial and Emotional Steps to Deal with These Crazy Markets 15.04.2025 17:24

We know markets go up and down, but when we experience a big market plunge, it always seems to catch us by surprise. How do you shut the gate on your current losses and build a plan so you are protected in the future? 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 , I...

How Do You “Shut the Gate” on Your Current Market Losses? | The Fight You May Be Losing in Your Retirement Accounts | What to Do If Your Spouse Shows Signs of Dementia | The Saving Number for Retirement Just Got Bigger. Is It Accurate? 12.04.2025 52:03

On this week's episode: Finding calm in crazy markets. The hole in your retirement bucket you need to plug. Protecting against the high cost of long-term care. Do you really need $1.9 million saved to have a great 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 : Face...

Medicare Tutorial with Rob Main 08.04.2025 25:16

Rob Main helps people of all ages at Rob Main Health and Wellness. That puts him deep into the world of Health coverage and Medicare. Learn what you need to know about the ups and downs of Medicare. 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...

What would happen if we applied the DOGE concept to your retirement accounts? | You’ve heard of the 60/40 portfolio. What is the Zinnia Wealth mix of 40-30-20-10? | The ins and outs of Medicare with Rob Main 05.04.2025 51:33

On this week's episode: Rooting out the waste and inefficiency in your retirement plan. There are many ideas about how you should allocate your retirement money. 60% stocks and 40% bonds is an old standard. Charisse has a new option to consider. Rob Main of Rob Main Health and Wellness joins us to discuss the details you should know about Medicare. Like this episode?  Hit that Follow button a...

4 Things People Want to Know from Their Financial Advisor Right Now 01.04.2025 7:51

When markets get volatile, people want to know how to “stop the drop” and these four questions for the future. 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.

Where to Pull Retirement Income from When the Markets are Falling | 70% of Retirees Wish They had Done THIS | Dealing With a Lump Sum Pension | 4 Questions People Ask When Seeing a Financial Advisor 29.03.2025 48:44

On this episode: Should your retirement income always come from the same place? Avoiding one of the biggest retirement mistakes. Many people who take a lump sum pension are out of money in 5 years. The main questions people are asking their financial advisors right now. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse an...

Is Dave Ramsey Steering You Wrong on Social Security? 25.03.2025 10:03

When you take Social Security is an important decision. Dave Ramsey has an opinion that may or may not be right for you. 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.

Protecting your retirement account from a recession | Can you retiree or do you really have to work one more year? | Dave Ramsey has foot in mouth disease…again! 22.03.2025 50:12

On this episode: Is this market event short, or long term? Doing the math on your retirement date. Dave Ramsey has helped a lot of people get out of debt, but his advice on Social security is a little suspect. 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...

What does Tony Robbins have against your 401(k)? 18.03.2025 9:46

Your 401(k) has been a good savings vehicle, but using it in retirement can be tricky. How do you work around the lack of income and tax 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 priva...

What is going on in the stock market? Is it going to get worse? | Why is Tony Robbins beating up 401(k)s? | There’s a new annuity option in some 401(k)s. Is it worth looking at? | How do we deal with the possible cut back in Social Security? 15.03.2025 51:30

On this week's episode: What’s next for the stock market? How your 401(k) comes up short in retirement. The first annuities are popping up in 401(k)s. What if your Social Security check gets cut by 25%? 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...

Interview with Ryan Stewart of McKenney Chiropractic Center 11.03.2025 27:41

Most of us have dealt with back pain. It could be an incident or ongoing. What’s new in the Chiropractic area to help and how do we avoid problems in the future? 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.c...

Are We Seeing Signs of a 2025 Market Correction? | Finding Your Sweet Spot for Social Security | Why is This a Great Time for an IRA-to-Roth Conversion? | Chiropractor Ryan Stewart Joins Us to Talk About Dealing with Back Pain 08.03.2025 53:45

On this episode: The headlines have gone negative about the 2025 stock market. Should you be concerned? Trying to unlock the code of when to start Social Security. Is this the Golden Age of IRA-to-Roth conversions? 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 , Inst...

Is Your Financial Advisor the Right Fit for You? 04.03.2025 10:04

Just because the chef wears a white smock doesn’t make them a great cook. Just because your financial advisor says they do retirement planning doesn’t make them proficient at 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 You...

Is the Advice from Financial Celebrities Worth Anything? 01.03.2025 52:59

On this episode of Retirement Coffee Talk, we look at advice from Kevin O’Leary, Mark Cuban, and Suze Orman. Is there anything here you can use? 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 p...

6 Reasons People Avoid Financial Advisors 25.02.2025 15:54

Only 25% of people use a financial advisor. What are the reasons the other 75% are hung up on? 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.

Is the Stock Market Getting Too Risky? | Is Now the Time to Reevaluate Your Portfolio? | Could You Really Get 1.5 Million in Social Security? | When is the Best Time for an IRA-to-Roth Conversion? 22.02.2025 54:35

On this week's show: Is this a time to dial back your retirement account risk level? What is the average Social Security check? Three times when a IRA-to-Roth Conversion makes sense. 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 ! S...

Why are People Delaying Retirement? | RMDs: What You Need to Know | Now Might Be the Time for a Roth Conversion 18.02.2025 34:36

On this week's episode: Do you have “one more year” syndrome? Everything you need to know about Required Minimum Distributions An IRA-to-Roth Conversion may help you save big in retirement taxes. 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 ,...

Is Your Health Putting Your Retirement at Risk? - Part 2 15.02.2025 18:36

Physician Assistant Rob Main joins us for the second part of our talk about health concerns in retirement including diabetes, weight loss, Ozempic and the new use of AI in healthcare. 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 !...

Something New in 401(k)s That Some Like, But Others Don't | Don't Be Bad Santa When Giving Money to Your Kids | The Top 3 Reasons People Don't Spend Money in Retirement 11.02.2025 27:08

On this episode: Pros and cons of target date funds. The implications of inheriting IRAs. The importance of being prepared for market volatility. Overcoming hesitations about retirement spending. 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...

Is Your Health Putting Your Retirement at Risk? - Part 1 08.02.2025 25:07

Are you aware of how your health can impact your retirement finances? Charisse Rivers explores the crucial connection between managing health and protecting wealth, as she chats with Rob Main of Rob Main Health and Wellness. Charisse & Rob delve into the benefits of concierge and direct primary care services, emphasizing their role in ensuring timely and comprehensive medical care. By addressi...

The Number One Question People are Asking About Their 401(k) 04.02.2025 11:54

You may have heard your 401(k) can become a “Tax Time Bomb” in retirement. How can you 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/listener for privacy information.

Has your 401(k) accidently become a “Tech Fund?” | Currently THIS is the number one question for financial advisors | Is it time to move to bonds? | When your business is your retirement plan 01.02.2025 49:53

On this week's show: The Tech Sector has been driving the market for over two years. Are you over weighted in tech stocks? Preparing your 401(k) for retirement. Are bonds back in favor? Selling your business to fund 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...

How much will an IRA-to-Roth Conversion save you? 28.01.2025 10:30

Pay the taxes now or pay the taxes later. What makes sense for your IRA and 401(k)? 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.

What can gift cards teach us about retirement? | When your CD comes due, what’s next for your money? | One advisor who says 100% risk before AND IN retirement 25.01.2025 52:31

On this week's show: Those unused gift cards in your wallet or purse have something in common with your retirement portfolio. There are 7 Trillion dollars in CDs and Money Markets. Where should you put your money now? Everyone says lower your stock market risk in retirement. We found one advisor that completely disagrees. Is he crazy? Like this episode?  Hit that Follow button and never miss...

When is the worst time to see a financial advisor? 21.01.2025 9:33

Everyone seems to ask “When is the BEST time to see a financial advisor?" Today we flip that around. When is the WORST time to see a financial advisor? 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/listene...