Retirement Coffee Talk

If you get an inheritance, how do you honor the person who gave it to you, be responsible, but also have some fun? 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.

Uncle Sam says there comes a time when you MUST take money out of your 401(k)s and IRAs. A lot of us get that calculation wrong. 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: A CD and a bond pay this; an annuity pays that. How do you find the financial vehicle to provide you the paycheck you need in retirement? One factor that is adding to the volatility of the 2026 stock market. 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 : Faceb...

Charisse Rivers sits down with John Calipari, former long-time Kentucky basketball coach and current head coach at Arkansas, to discuss leadership, motivation, and life beyond the court. Calipari reflects on teaching curiosity and humility, preparing young athletes to understand money, and how he thinks about legacy and planning for the future. Like this episode?  Hit that Follow button and n...

Everyone has their breaking point for stock market losses. When do you pull out and go to cash OR how can you avoid that scenario altogether? 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 in...

On this episode: A GPS tells me step by step how to get to my destination. Can a retirement plan do the same? Should you pay of your mortgage or carry it into 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 omnystudi...

Early retirement may mean taking Social Security at 62. But what do you do about 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 ! See omnystudio.com/listener for privacy information.

On this episode: What’s your goal from growing your money: 3%, 5%, beat the market? Is that important in retirement? This might be your biggest hurdle if you want to retire early. 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 episode: Think retirement is just about saving? Discover the three numbers that matter most — what’s coming in, what’s going out, and whether your savings can truly support your lifestyle. Markets rise, markets fall — but bad decisions can be costly. Learn how emotional reactions and poor timing can drain retirement income without a smart, written income strategy. T...

Chester Weber has made his living around horses. He has created one of the premiere events in the Ocala area at Live Oak International. What do you need to know to attend? 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 episode: Buy short-term bonds when rates are going up, buy long-term bonds as rates are going down. Is there anything else? What’s your action plan if you lose your job a few years shy 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 Wealth Management : Facebook , Insta...

On this episode: Gold prices are going through the roof. Should you buy in? How often should you meet with your financial advisor? Elon Musk says technology will end the need for retirement saving. 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 , Ins...

From the 4% rule to pulling money as you need it, there are a lot of ways to determine your retirement paycheck. 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...

On this episode: Whether you have $5 million or $500 thousand, everyone seems to be asking THIS question. Interest rates are down. Should you give up on bonds? People are more worried about THIS than the price of food and housing 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 Wealt...

When you see the articles that say you need $1.5 million to retire, it can be depressing. There is an important factor these numbers don’t include. 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 fo...

On this episode: Unexpected expenses will likely happen to you in retirement. How do you include that in your retirement budget? What happens when you lose your job a few years before 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 an...

On this episode: The fear of running out of money is widespread. We found the point when that fear nearly goes away. Taxes, step up basis, taxable, tax deferred…inherited money comes with some homework. 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...

Do you have “retirement fever?” See if you can see yourself in our list. 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: Lump sum or monthly payout: What would you choose as a lottery winner? A man who handled his own retirement planning and retired before 60 shares what he got wrong. 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 ! Se...

JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do 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.

On this episode: There are some strange "coincidences" between the 1920s and the 2020s. But what does that really mean? JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do 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 Manageme...

Waiting to take your Social Security can get you a bigger check. But at what cost? 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: Interest rates are down; market predictions are uncertain. Should that be a factor in your retirement decision? If you have cash on the sidelines, can you buy the dip and time the market? What does the 2026 tax conversion look like. 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...

Charisse sits down with Karen and Shannon Cobbs to explore the legacy and preservation of Grandview Clydesdales. Hear about their family’s multi-generational commitment, the unique traits of these gentle giants, and how their tours and events inspire the community to help protect this iconic breed for future generations. Grandview Clydesdales is one of the Top 10 attractions in the stat...

On this episode: The stock market has been up double-digits 3 years in-a-row. Can we do it again or is it time for protection mode? Over 4 million people retire every year. How do you spot the “bad actors” that might pop up in retirement planning? Charisse chats with Karen and Shannon Cobbs about Grandview Clydesdales, their history, preservation efforts, and unique community experienc...