Retirement Coffee Talk

Not everyone has a million dollars saved for retirement. Yet 70% of retirees say they are doing just fine. How is that possible? 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.

Charisse Rivers and the team at Zinnia Wealth Management are helping young people in our area with the Grilled Cheese Foundation. In this episode, Charisse talks about how it all got started and how you can get involved. Find out more about the Grilled Cheese Foundation at http://zinniawealth.com/grilled-cheese-foundation/ Like this episode?  Hit that Follow button and never miss an episode! 💬 En...

On this week's show: Are the market nay-sayers onto something? Using dividend paying stocks. New Roth options to consider. The ups and downs of Target Date Funds. Don’t have a million? You can still 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 : Facebook ,...

There are more people turning 65 this year than any year in history. That age kicks in some preparations you’ll need to make for retirement. Charisse walks you through Medicare, Social Security, Income, Tax, and estate planning and 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...

The 401(k) is probably the primary way people save for retirement. Yet some say it is outdated and, in some cases, unfair. Why? And if we didn’t have it, how would we save for 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 ! S...

Charisse Rivers discusses the decision retirees face regarding their pensions. She explains the pros and cons of taking a monthly check versus a lump sum and highlights the importance of proper financial planning. She emphasizes the need to consider factors such as taxes, inflation, and the impact on surviving spouses. She advises consulting with a retirement financial planner to make an informed...

Hidden fees are prevalent in many industries, but none more so for retirees and pre-retirees than in the financial services industry. Charisse Rivers of Zinnia Wealth Management discusses the impact of fees on your retirement accounts and the importance of understanding and managing them effectively through retirement planning. See omnystudio.com/listener for privacy information.

On this week's show: Some people are getting to retirement and finding they need more money. How Income planning can help you be better prepared. Hidden fees are prevalent in various industries, including the financial services sector, and can have a significant impact on individuals' finances. The decision to take a lump sum or a monthly check from a previous employer requires careful financial p...

You may think you can’t retire, but how would you know unless you do the math? At Zinnia Wealth, we think “seeing is believing.” 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 show: Is it wise to take the summer off from your investments? How doing the math on your retirement can make it real. Could Social Security actually go away? They say speed kills. Can too much risk do the same thing? 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 : Fa...

Costco is selling 200 million dollars in gold bars per month. Is this a good hedge if the market goes down? 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 show: How do we avoid the advisor conversation of “Hang in there, it will come back.” The pros and cons of buying gold. If Social Security and your 401(k) are your main sources of retirement income, where do you look next? Time to get the Windex and rubber gloves out. What do we find when your portfolio gets a good scrubbing? Like this episode?  Hit that Follow button and never miss...

Social Security: The longer you wait, the bigger your check. But most people take it right away at 62. The Motley Fool gives 4 reasons why you might consider taking your benefit early. Does Charisse agree? See omnystudio.com/listener for privacy information.

On this week's show: Do you buy, sell, or sit tight in this market? We found the poster child for making your money last. Figuring out your paycheck in retirement. Why not take Social Security at 62? 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...

The largest growing segment in the workforce is now people over the age of 75. But does that mean you should keep working? What if you don’t have to and you don’t even know 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 omnystud...

On this week's show: There are things that you need in retirement that many financial advisors are not providing. Is 61 considered early retirement? Find out the average age when most people retire. Your 401(k) is an important piece of your retirement plan, but it comes up short in many ways Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more...

Most people have a 401(k). But that is only one piece of a retirement. A full plan involves plans for investments, Social Security, taxes, estate and 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...

Most of us have some big dreams for retirement. But what if that dream is a budget buster? We have 4 splurges that you won’t regret in your retirement years. 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...

On this week's show: When the stock market starts to go negative, how do you avoid being victim of that downward momentum? Things that are worth spending money on. When the financial news has an agenda. 62, 66, 67, or 70? What is your Social Security strategy? Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Z...

Cash it out, roll it over, convert it. Your 401(k) has a number of options in retirement. What are the pros and cons of each one? 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 show: Your IRA: How does it help your tax picture and how many should you have? Is it possible to be TOO conservative with your investments? Is the recent market pullback a signal of recession? 4 options for your 401(k). The pros and cons of Medicare Advantage plans.  Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Cha...

In our Ask Charisse segment, we talk about taking money out of your IRA or 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.

On this week's show: One conservative talk show host declared that "Retirement is Stupid". We have another viewpoint. You think airline baggage fees are bad? Take a closer look at the financial industry. Suzi Orman talks Social Security and capital gains, but her advice could point you toward trouble.  Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Lear...

On this week's show: 92% of us are retired by age 75. Can we get you retired earlier? Answering your Social Security questions. You know your paycheck now, what is your paycheck in retirement? Warren Buffett wants you to make a list for 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...

Most of us love the idea of a monthly pension check in retirement. Yet few of us have one. If you don’t have an employer pension, have you discussed a personal pension?   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...