Retirement Coffee Talk

On this week's show: As Inauguration Day approaches, what does history show us about the market after a new president is elected? Developing your own personal pension. 8 things to check off your list before retirement. A survey shows that many people have a misconception about Social Security benefits. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and...

There may come a time near retirement where you should switch from your employer 401(k) to something else. When and why? 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.

A new study shows many people are not getting this most important planning tool from their financial advisor. Don’t let this happen to you. Plus: What happens when you ask Charisse for a second opinion on your current financial plan? 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 Man...

Retirement planning is more than just investments. Do you have the knowledge to deal with taxes, Medicare, and Social Security? We’ll discuss the big 5 that people miss. 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 week's show: Should the change in interest rates, the economy and the White House have you changing your retirement strategy? Is moving money from an IRA to a Roth a good idea for your retirement? The Top 5 Things people neglect if they try to do retirement planning alone. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with...

Charisse Rivers helps people everyday protect their money for retirement. She also has an interest in the people who are protecting our way of life in Marion County. Today she highlights Marion County Fire and Rescue Chief James Banta. 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 Managem...

Charisse Rivers helps people build a better life with retirement planning. She also has a vested interest in making life better in Ocala. Today she highlights the efforts of Ocala Police Chief Mike Balken. 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 , L...

Going through a 20-year retirement without growing your money would be difficult. But losing the money in a market crash could be devastating. Protection or growth: How do you choose? 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 !...

On this week's show: Where is your priority with your retirement money? Protection or growth? How much cash should you have on the sidelines? There is a lot of optimism about the stock market in 2025. Should you invest in 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 : Face...

It’s common for people to have a target of $1 million saved, and a $100k-a-year spend in retirement. How much do you need to make that happen? 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 pri...

On this week's show: We figured out why the media says we need MILLIONS to retire comfortably. There is a plan to push back when you can get your Social Security benefits. Do you have “one more year” syndrome? The end of the year brings up two discussions about your 401(k): RMDs and IRA-to-Roth Conversions. Like this episode?  Hit that Follow button and never miss an episode! 💬 E...

Knowing your retirement income is as important as knowing your income in your working years. Avoiding the scenario of being “scared to spend.” 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 inform...

On this week's show: The predictions for 2025 are all over the map. You can now pay off bills with your 401(k) match. Should you? Don’t leave your financial advisor without 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 omnyst...

Social Security could be over 50% of your retirement income. Do you know the ins and outs of how to claim? Do you know how to maximize your benefit? A lot of people who took the Social Security test, didn’t do very good. 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 , Ins...

The airline industry is making a killing on baggage and seat change fees. But they are rookies compared to the financial industry. Do you know how much you are paying? 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/li...

If you plan to sell a business or a property to fund your retirement, Charisse can show you how to defer and spread out that tax bill so it doesn't make such an impact in the year that you sell. 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 YouT...

On this week's show: We're seeing another "Trump-Bump" in the market right now, but will that hold steady in 2025 and should you be more cautious going into the new year? Will taxes on your Social Security be eliminated? And is that a good thing? Deferring Taxes: Lessons from Baseball Contracts The Tug of War: When to Retire Even Republicans and Democrats can agree there is a crisis in 4 areas of...

The end of the year brings up two discussions about your 401(k). 1) If you are retired, it’s time to figure out your Required Minimum Distribution (RMD). 2) If you are getting ready for retirement, it’s IRA-to-Roth conversions. Charisse looks at the pros and cons of both. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and h...

On this week's show: The implications of the recent election results on retirement planning, tax changes, and interest rates. What is the Great Wealth Transfer and why is your financial advisor not happy about it? The end of the year brings up two discussions about your 401(k): RMDs and IRA-to-Roth Conversions. Suze Orman says $2 Million in retirement savings is "chump change". Who is she talking...

Finding a financial advisor is probably the most important step in getting ready for retirement. We have a list of 8 things you can do before you find your 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/liste...

On this week's show: Worried about the stock market after the election? Developing your own personal pension. 8 things to check off your list before retirement. The advantages of choosing an independent 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 , In...

Charisse sits down with Sheriff Billy Woods to talk about the importance of the 1% and half penny sales tax referendum for public safety in Marion County and how this funding will support law enforcement, fire departments, and emergency services, while also addressing the need for improved infrastructure and school safety.  Like this episode?  Hit that Follow button and never miss an episode! 💬 E...

On this week's show: Why does Marion County need to make the current tax structure permanent? Charisse interviews Sheriff Billy Woods.  How could your retirement be impacted by the election?  Charisse does a side-by-side comparison of the candidates. 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...

Charisse Rivers discusses the implications of the upcoming election on retirement planning, focusing on key issues such as tax policies, social security, and corporate tax rates. She highlights the differing views of the presidential candidates on these topics and how they may affect retirees and pre-retirees. Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share,...

On this week's show, Charisse Rivers takes a look at the election and it's potential future effects on your retirement as it relates to taxes, social security and 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 and YouTube ! See omnystudio....