Retirement Coffee Talk: Recent Episodes
Charisse Rivers
Charisse Rivers is the founder and president of Zinnia Wealth Management in Ocala, Florida. Her passion is to help families grow and protect their wealth and guide them to and through retirement. “Retirement Coffee Talk” is a fun and informative look at the financial issues of the day and how they affect those saving for retirement.
You paid off your home, but do you actually own it—or are you paying the government a lifetime subscription? State Representative Ryan Chamberlain joins Charisse Rivers to debate the true cost of Florida’s property tax system, exposing how escalating taxes act like an undisclosed second mortgage on everyday homeowners. We pull back the curtain on government budgets to analyze whether proposals like shifting to sales tax or tapping tourism revenue can truly deliver tax relief without sacrificing critical local services. Listen in to uncover the plain truth about tax policy, government accountability, and what it really takes to secure your home.
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Playing a six-hour game of Monopoly with family can expose the exact financial mistakes people make in real life—especially when relying on a single asset class instead of staying properly diversified. Host Charisse Rivers dives into the realities of retirement planning, from building non-cookie-cutter income streams to addressing potential future Social Security cuts. Joined by Florida Representative Ryan Chamberlain, the discussion turns to the push for eliminating property taxes and protecting long-term wealth. Discover practical strategies to navigate financial noise, avoid estate planning pitfalls, and secure a guaranteed stream of income that supports your lifestyle without risking your hard-earned legacy.
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Traditional pensions are practically extinct, leaving millions of Americans struggling to turn their 401(k) savings into a reliable, lifelong stream of income. Relying on basic market strategies or waiting until age 65 out of fear often leads to unnecessary delay and anxiety.
In this episode of Retirement Coffee Talk, Charisse Rivers breaks down actionable strategies to transition your wealth into dependable income. Discover how to utilize custom income planning, balance tax-deferred and tax-free account "buckets," and protect your hard-earned assets against market drops and shifting interest rates—allowing you to retire on your own terms.
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Without a traditional pension, modern retirees face the daunting task of managing their own lifelong income streams. Host Charisse Rivers reveals how a well-structured income strategy allows you to retire on your own terms—even at age 62—without fear of running out of money. Learn how to optimize your portfolio across pre-tax, taxable, and tax-free "buckets" to mitigate risk, minimize tax liabilities, and protect your hard-earned savings. Stop settling for a default retirement; discover how tailored financial design empowers you to enjoy your golden years with complete peace of mind.
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Chasing high-flying tech stocks like SpaceX or hoarding massive cash reserves can quietly derail your golden years. In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth unpacks the psychological shifts required when transitioning from saving for retirement to living off your wealth. Learn how to manage market hype without taking on catastrophic risk, why "COVID brain" causes retirees to hold too much idle cash, and how to structure a multi-bucket income strategy. Charisse shares practical advice on balancing growth, safety, and liquidity so your retirement checks never stop—no matter where the market swings.
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Are stock market high-flyers secretly sabotaging your retirement security? DIY investors often get hooked on tech trends, but transition into retirement requires shifting focus from building wealth to preserving it. In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the risks of portfolio overexposure, the critical psychology of transitioning from earning to spending, and how to optimize your cash reserves without losing to inflation. Learn how a balanced income strategy can eliminate financial anxiety so you can focus on enjoying your hard-earned freedom.
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Are you winning the retirement race only to risk it all by overexposing your nest egg to market volatility? In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth discusses how to protect your hard-earned wealth while still enjoying market upside. Discover real-world stories of retirees shifting from high-risk growth to safe money income strategies, tax planning, and memory-making. Learn how a written income plan can lower your stress, preserve your principal, and give you the confidence to enjoy your best years.
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Are you accidentally leaving your retirement savings vulnerable to an uninvited silent partner? In this episode of Retirement Coffee Talk, host Charisse Rivers breaks down why relying solely on stock market growth or blindly draining your 401k can trigger devastating tax traps. Through real-life client stories, discover the critical difference between what you make and what you actually keep. Learn how balancing growth with safe money strategies and proactive tax planning can protect your wealth, clear the path for your bucket-list dreams, and help you transition into a confident retirement.
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Is your retirement strategy built to withstand market volatility, or are you riding an emotional roller coaster with a traditional buy-and-hold portfolio? In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth breaks down how to navigate current market uncertainties, from AI trends to shifting economic factors. Moving beyond cookie-cutter advice, Charisse reveals how multi-bucket financial strategies and customized income planning help shield retirees from running out of money. Learn how to transform your accumulated assets into a reliable personal paycheck, lower your future tax liabilities, and build an all-weather plan designed for long-term confidence.
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The stock market is completely shifting under the weight of artificial intelligence and uncharted economic territory, leaving traditional investment advice in the dust. On this episode of Retirement Coffee Talk, host Charisse Rivers of Zinnia Wealth Management breaks down why outdated "buy-and-hold" strategies fail to survive market volatility. From building customized income buckets that banish the emotional roller coaster to tackling unbudgeted retirement curveballs like dental expenses, Charisse exposes the difference between standard brokers and true wealth planners. Discover how a comprehensive "all-weather" financial blueprint can stress-test your portfolio against longevity risks, so you never outlive your money.
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Why are you still writing big checks to Uncle Sam even after your working years are over? Many retirees face a sudden tax shock due to forced retirement account distributions, rising Medicare premiums, and unexpected structural penalties. In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the reality of long-term tax burdens in retirement and discusses how strategic planning handles these pitfalls. Discover how shifting toward an all-weather portfolio can help manage market volatility and protect your legacy without relying on guesswork or market timing.
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Are you writing checks to Uncle Sam in retirement and wondering why the tax bill hasn't stopped? In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth breaks down the shocking reality of retirement taxes, from escalating RMDs to the steep financial impacts of the "widow's penalty." Discover why traditional, cookie-cutter advice fails and how building a proactive, all-weather portfolio can protect your savings from market meltdowns. Learn how strategic tax planning and custom income bucket strategies can unlock more wealth during your prime "go-go" years.
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Did you know that 70% of failed retirement plans collapse within the very first five years? In this episode of Retirement Coffee Talk, Charisse Rivers explores why seasoned investors are tuning out flashy stock market headlines like the SpaceX IPO in favor of reliable income buckets. She breaks down the "sequence of returns risk" driving this early failure rate and discuss how a structured withdrawal strategy helps mitigate market drops. Plus, discover crucial succession and exit strategies for small business owners looking to successfully fund their post-career lifestyle.
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If your retirement income strategy relies solely on traditional calculations, you could be leaving your financial future exposed to hidden hazards. In this episode of Retirement Coffee Talk, host Charisse Rivers of Zinnia Wealth dismantles surprising retirement statistics, exposing why a basic asset-growth approach often falls short. Discover the critical gaps overlooked by do-it-yourself planners, from missing tax strategies to unhedged market downturns during the vulnerable first five years of retirement. Learn how building a customized, risk-managed income plan can shield your portfolio from inflation and help maximize your long-term financial confidence.
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Are you unintentionally setting a tax trap for your future self in retirement? In this episode of Retirement Coffee Talk, Charisse Rivers deconstructs the hidden pitfalls facing everyday investors and do-it-yourselfers. From the surprising realities of retirement income sources to the rigid nature of cookie-cutter target-date funds, discover why generic financial advice often falls short. Learn how overlooked tax planning and Required Minimum Distributions (RMDs) can trigger a costly domino effect on your Medicare premiums and explore the critical role of stress-testing your portfolio against market volatility.
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Are you unknowingly setting a tax trap at your retirement finish line? In this episode of Retirement Coffee Talk, host Charisse Rivers breaks down why "cookie-cutter" investment strategies leave retirees vulnerable to unnecessary tax bills and market volatility. Discover how to transition away from traditional, product-focused portfolios and toward a customized plan engineered around your unique income goals. Charisse explains her signature "three buckets" framework—categorizing your assets into tax-deferred, taxable, and tax-free vehicles—to build an inflation-adjusted stream of revenue. Learn how to strategically shift your wealth so you can retire by design, not by hope.
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Instead of falling into the "cookie-cutter" trap of big bank brokerages, how do you successfully navigate modern market volatility and unexpected tax bills at the finish line? Host Charisse Rivers breaks down her signature approach to active wealth management, rejecting rigid savings lectures in favor of personal empowerment. Discover how to strategically shift your assets into tax-free accounts, avoid the "jiggle effect" of high-risk markets, and build an inflation-adjusted income bucket system. It is time to ditch outdated formulas, confidently fund your dream lifestyle, and actively design a retirement tailored entirely to you.
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Is your retirement strategy running on autopilot in an unpredictable market? In this episode of Retirement Coffee Talk, Charisse Rivers Zinnia Wealth breaks down why relying on standard tech-heavy portfolios and "set-it-and-forget-it" rebalancing could expose you to high levels of risk. Discover how to shift gears between safe money strategies and growth buckets as market conditions evolve. Plus, learn how to turn your accumulated 401(k) savings into a reliable personal pension, allowing you to bridge the income gap, navigate changing interest rates, and retire confidently on your own terms.
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Are you approaching today's volatile market with one foot on the gas and one foot on the brake? In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the illusions of the artificial intelligence stock boom and exposes the hidden dangers of standard autopilot investing. Learn why traditional 60-40 portfolios fail when interest rates shift, how to bridge the income gaps left behind by vanishing corporate pensions, and structural strategies to safeguard your lifetime savings from unexpected black swan market events.
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Saying goodbye to a client because they won't stop overspending highlights the delicate balance between enjoying your hard-earned wealth and outliving your money. Host Charisse Rivers of Zinnia Wealth challenges traditional, restrictive financial advice and deconstructs the popular "three-fund portfolio" strategy. Discover why a cookie-cutter approach to stocks and bonds can expose your nest egg to severe market downturns. This episode breaks down the math behind active portfolio management, exploring how tailored risk buckets can help protect your lifestyle so you can focus on vacationing rather than worrying about market volatility.
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Forget the finger-wagging advice of old-school financial gurus who tell you to skip your morning coffee. This episode breaks down why modern retirement planning isn't about restriction—it's about finding the confidence to spend the wealth you worked decades to build. From stress-testing budget "splurges" to moving past rigid, cookie-cutter asset models, discover how sophisticated, IRS-approved tax strategies can protect your legacy from the government. Plus, get an insider look at high-level wealth management insights straight from unexpected conversations on the golf course.
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Spending five hours a day managing your own investment portfolio might feel productive, but what critical elements of your retirement plan are falling through the cracks? In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth explores the hidden risks of do-it-yourself financial management. From overlooked tax strategies and Medicare rules to the realities of cognitive decline and protecting a surviving spouse, true retirement readiness goes far beyond daily market charts. Discover why even the most dedicated portfolio managers eventually step back to focus on living their retirement years instead of working them.
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Retirement isn’t as complex as the big banks want you to think, but transitioning from collecting a paycheck to generating your own requires a completely different strategy. Host Charisse Rivers breaks down the realities of the decumulation phase, exposing why traditional 60/40 portfolios fall short. Learn how to navigate the physical and mental phases of aging, optimize Social Security timing, and outsmart Uncle Sam’s lurking RMD tax traps. Whether you are a hands-on investor or a financial novice, it is time to turn the market noise into a structured, reliable income plan.
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What if the biggest mistake retirees make isn’t running out of money—but not using it when life is best? On this episode of the Retirement Coffee Talk Podcast, Charisse Rivers takes a closer look at long‑standing retirement income formulas that suggest spending less once the paychecks stop. In this conversation, the focus is on where rules like “80% of income” come from, why many retirees quietly scale back even more, and how fear around markets, taxes, long‑term care, and legacy planning shapes those decisions. By breaking retirement into different spending phases, this episode challenges listeners to rethink what retirement income was truly designed to support—especially in the years when energy and opportunity are highest.
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On this episode:
- For years you wrote a check to Uncle Sam in April. Now that you’re retired, that should change… right? Maybe not.
- The formulas say you need 80% of your working-years income in retirement. Is that actually true?
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What if the biggest threats to your retirement aren’t market swings—but the everyday costs no one warns you about? On this episode of the Retirement Coffee Talk podcast, Charisse Rivers breaks down the surprising expenses retirees often overlook, from Social Security taxes and Medicare penalties to dental work, healthcare, and long‑term care. Using relatable comparisons and real‑world examples, this episode explores how “one‑time” events and miscellaneous costs quietly add up year after year. The conversation highlights why retirement planning isn’t just about monthly bills, but preparing for unpredictable moments—from major home repairs to milestone trips—and why those details matter more than most people expect.
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What if the Social Security plan you’re counting on isn’t as untouchable as you think?
In this episode of the Retirement Coffee Talk Podcast, Charisse Rivers digs into renewed proposals to cap Social Security benefits and what those ideas really mean for individuals, couples, and future retirees. The discussion breaks down how uncommon high benefit payouts actually are, why benefit caps may miss the bigger picture, and how lawmakers often tinker with the system instead of fixing it. You’ll also hear why changes to claiming ages, taxes, and contribution rules are more likely than dramatic overhauls—and why staying aware of policy shifts matters long before retirement arrives.
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On this episode:
- Everyone says there’s a “right order” to take retirement income—but taxes can turn simple advice into an expensive mistake.
- You saved for decades—so why do so many retirees end up afraid to spend when it finally matters most?
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On this episode:
- Waiting for the perfect market dip sounds smart—but for retirees, it can lead to missed growth and added risk.
- Retiring into a down market isn’t just uncomfortable—it can permanently damage a retirement plan.
- Taxes, Medicare penalties, medical costs, long‑term care, and everyday surprises can quietly derail retirement plans.
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If you ask people preparing for retirement and those IN retirement the same question, you may get very different answers. That seems to be the case with retirement timing.
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Charisse walks through five common mistakes she sees from people who try to handle retirement planning on their own.
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On this episode:
- The price of many products and services is up. How are you dealing with it in retirement?
- What are the hidden costs of retirement that may give you “Sticker Shock?”
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On this episode:
- When you look at the stock market today, have you forgotten about the gains of the last 10 years?
- A new study that shows if retirees do THIS, they will enjoy retirement more.
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On this episode:
- Finding a place for your money, IN and OUT of the stock market.
- When should you do your Roth conversion?
- The mistake retirees don’t seem to learn.
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SECO Energy CEO Curtis Wynn joins Charisse to explain why electric costs are rising, how Florida’s power grid works, and what growing demand from data centers and AI means for consumers. The conversation covers affordability, infrastructure planning, and practical ways households can reduce energy use without sacrificing comfort.
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On this episode:
- If the current market losses are keeping you up at night, what does it say about your retirement plan?
- Your 401(k), your house, your pension: all will be retirement assets. You might be missing the biggest one of all.
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If you get an inheritance, how do you honor the person who gave it to you, be responsible, but also have some fun?
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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.
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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.
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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.
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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?
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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?
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Early retirement may mean taking Social Security at 62. But what do you do about healthcare?
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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.
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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.
- Turning 73? One missed move could trigger penalties, higher taxes, and Medicare surcharges. Breaking down RMDs and why proactive tax planning is non‑negotiable.
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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?
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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?
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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?
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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?
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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.
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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.
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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?
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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.
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Do you have “retirement fever?” See if you can see yourself in our list.
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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.
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JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do this.
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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.
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Waiting to take your Social Security can get you a bigger check. But at what cost?
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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.
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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 state, right in your own backyard!
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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 experiences.
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If nothing is done, Social Security will be cutting back benefits in less than 10 years. There are a lot of ideas to solve the problem, but no one can agree. We’ll look at some of the ideas and discussion.
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On this episode:
- What do turkey-flavored Oreos have in common with financial products that aren’t what they seem?
- Are your retirement funds hiding surprises? Uncover the overlooked pitfalls of target date funds.
- Is generosity now a threat to your own retirement security?
- Is wiping out all your debt before retirement a smart move—or a costly mistake?
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Movie stars and music artists get “royalties” for their past work. Can you do the same in retirement?
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On this episode:
- Vanguard is offering a Target Date Fund with an annuity option. What could go wrong?
- Turns out, retirees want more stability than the stock market provides.
- If you DIY your retirement plan, what are the dangers?
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There are currently record numbers of dividend paying stocks being purchased. Why? Is it something you should look into?
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Being debt free would be great going into retirement…but will you hurt your retirement prospects by doing it? We discuss good debt and bad debt and how to make those decisions.
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On this episode:
- Why is retirement so complicated?
- In down years in the stock market, does that mean you should cut back on your lifestyle?
- Without some planning and discussion, your 401(k) could be a tax trap.
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On this episode:
- The “Tiny Dings” that could become bigger financial problems.
- A strange disconnect between financial advisors and their clients.
- Don’t be generous but foolish with your inheritance.
- Avoiding the “debt free” temptation.
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Your 401(k) may be your biggest retirement asset. What are your options on how best to use it?
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Join Charisse for a heartfelt discussion with Jonathon Fleece, President and CEO of Empath Health, as they explore gentle ways to support loved ones experiencing memory loss or other cognitive issues. Jonathon shares insights on navigating care options, finding comfort, and embracing empathy during life’s most challenging moments. Whether you’re a retiree or caring for a family member, this episode offers reassurance, practical advice, and hope for your journey.
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There are some ideas that look good on paper, but don’t turn out that way in real life. There are plenty of financial products that fit that bill and you should know about them.
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On this episode:
- Sometimes the marketing is better than the product.
- Leaving your IRA in cash after a rollover.
- Should I use MY plan or Uncle Sam’s plan for my RMDs?
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There are rules we should follow in life. There are rules we might want to break in retirement. We found one with your 401(k)s and IRAs.
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On this episode:
- Unspent money = unrealized memories.
- Most of us go right along with Uncle Sam’s plan for your IRA. Why?
- What to do with your biggest retirement asset.
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The new Dodgers phenom has structured his pay using deferral. Can you do the same in retirement?
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On this episode:
- Retiring into a down market. Are you ready?
- Uncle Sam says you have to take IRA money at 73. What are your options?
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Your 401(k) is going to take some thought and effort in retirement. Do you rollover to a personal IRA? What is an RMD and what do you need to know? Am I headed for a tax problem? Let’s get you the answers.
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On this episode:
- Want to know how much to save? Look at how people spend in retirement.
- One long retirement rule says if you only spend 4% of your retirement money per year, you’ll never run out. Is it true?
- People will many times leave their financial advisor when THIS happens.
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The tech stocks have been holding up the stock market and perhaps your retirement accounts. We found another category that may be holding you back.
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On this episode:
- Should you tinker with your risk profile as the headlines change?
- There are two new ideas on saving Social Security. Will they work?
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There are all sorts of headlines telling us we need to have 1.8 million dollars to retire. That is turning out not to be true.
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On this episode:
- 70% of retirees say retirement is better than they thought…and very few of these people have over a million dollars.
- The laws on 401(k)s are changing next year.
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We found someone who works on his investments 5 hours every day. Is that the kind of retirement you want? What are the pros and cons of being a retirement DIYer?
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On this episode:
- This isn’t our first Government shutdown. What does history tell us?
- Inflation is now number 2 on the concern list for retirees. Should it be?
- How will your spending go over a 20 year retirement?
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Charisse Rivers established the Grilled Cheese Foundation to help local children with school supplies, after school activity needs and even college tuition. Here she talks about their Casino Night fund raiser on October 10th at the Ocala Country Club.
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On this episode:
- Breaking free of the market dictating your retirement lifestyle.
- Saying “Uncle” won’t release the headlock on your 401(k).
- Dividend-paying stocks are seeing record numbers.
- What we can learn about retirement planning from a rabbit.
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The Grilled Cheese Foundation is a 501C3 created by Charisse Rivers and the team at Zinnia Wealth. It’s designed to help young people with school supplies, equipment for sports and other after-school activities, and even scholarships for college. We invite you to our fundraiser "Casino Night" on October 10th from 7 to 10pm at the Country Club of Ocala. https://www.instagram.com/p/DPD7AvijtWl/
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We go through the Kiplinger "Five Golden Rules of Retirement Planning", including knowing your “L”s.
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On this episode:
- Should you care about interest rates?
- Should you follow the billionaire’s retirement advice?
- The Medicare window opens soon. What do you need to know?
- What should you be discussing at your year-end retirement review meeting?
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If you start to Google "retirement", you will see a lot of "rules of thumb". We list seven of them that may not apply anymore.
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On this episode:
- You may have saved well and feel ready to retire. Are you missing something?
- Some longtime retirement rules that you can trash.
- IPOs, Bitcoin, and Private Equity may start showing up in your 401(k). Should you be a buyer or a seller?
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Charisse dives into the upcoming Medicare window, opening October 15, discussing the potential rise in premiums and the importance of evaluating your current plans. Learn about the differences between Medicare Advantage and Medicare Supplement plans, and get practical advice on how to make the best choices for your health and finances.
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On this episode:
- Only 3% of people have saved $1 Million for retirement, meaning a lot of people are retiring successfully on less.
- The different aspects of inheriting a house, a stock, a 401(k), or cash. What do you need to know?
- If you’re on Medicare, October is decision time.
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Vanguard is looking 5 to 10 years into the future and seeing bad things for the stock market. Should you pull way back on risk?
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A warning to pull back on risk in the market. Too many fees and too little performance. Does that describe your 401(k)? A new retirement risk to look out for.
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On this episode:
- An old financial practice is making a comeback.
- What are the benefits of converting IRA money to Roth?
- Retirees aren't buying into financial "rules of thumb" anymore.
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On this episode:
- Warren Buffett is pulling back from the stock market. Should you?
- We all need a place for our stuff. Is all your financial stuff in the right place?
- Are you ready to retire? First ask yourself THIS.
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Where do you turn when a family member is showing signs of memory loss or in the last stages of life. We talk to Jonathon Fleece of Empath Health.
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Taxes may be one of the biggest surprises in retirement. The time to develop a plan is BEFORE you retire.
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On this episode:
- Many market timers are kicking themselves right now. Are you one of them?
- Do you really have to slog through a few more years on the job? Maybe you can retire now.
- They aren’t the 7 deadly sins, but they are the 7 places NOT to put your retirement money.
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Everyone has an opinion where to put your money. We have a list of places to avoid.
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On this episode:
- The fear of running out of money is resulting in people not enjoying their retirement.
- Picking your retirement date. Is there a perfect month?
- A new trend among baby boomers for estate planning.
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Many seniors are getting into their 70s and getting slapped with big tax bills. What is happening and how can you avoid it?
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On this episode:
- Only 25% of people use a financial advisor. What are their reasons for going it on their own?
- 72% of seniors wish they could go back in time and fix this tax problem.
- When people pick their financial advisor, what are the main things they are looking for?
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Charisse explores what may be the most important factor for you to have the retirement you’re dreaming of.
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There are a record number of people turning 65 this year and they are wondering if they are ready to retire. Charisse goes through her list to give you the green light.
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When you come in for your Portfolio X-Ray, we’ll dive into the risk you are taking, your performance, your tax liability, and more. But today we discuss what might be the most eye-opening moment of our analysis.
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Taxes, Social Security, and Healthcare. The laws keep changing. What do you need to know about the Big Beautiful Bill?
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The fear of running out of money is real, and it has created another new problem in retirement.
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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.
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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.
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Charisse and her daughter Ella have fun with Dog Bite Awareness month. How big and bad is the dog after your retirement money?
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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?
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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?
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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?
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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?
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You need growth on your retirement money, but how much?
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On this episode:
- The fear of running out of money is resulting in people not enjoying their retirement.
- Picking your retirement date. Is there a perfect month?
- A new trend among baby boomers for estate planning.
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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.
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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.
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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.
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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.
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We may not have a saving problem; we may have a SPENDING problem. Let’s give you the confidence to spend MORE!
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Many people get to retirement saying…I wish I had done this.
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How do the odds of success compare: Vegas or the stock market? You may be surprised.
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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.
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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.
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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.
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Charisse Rivers explains how Roth IRAs can optimize retirement planning with tax-free growth.
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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.
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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?
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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.
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Trying to pull all your income from one place is possible, but before you try it, ask yourself THIS question.
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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?
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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?
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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?
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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.
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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.
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When markets get volatile, people want to know how to “stop the drop” and these four questions for the future.
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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.
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When you take Social Security is an important decision. Dave Ramsey has an opinion that may or may not be right for you.
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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.
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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?
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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%?
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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?
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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?
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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.
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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?
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Only 25% of people use a financial advisor. What are the reasons the other 75% are hung up on?
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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.
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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.
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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.
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Learn more about Rob Main of Rob Main Health & Wellness
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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.
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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 addressing health issues early, these services can help prevent costly medical emergencies, ultimately safeguarding your financial well-being.
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Learn more about Rob Main of Rob Main Health & Wellness
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You may have heard your 401(k) can become a “Tax Time Bomb” in retirement. How can you avoid it?
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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.
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Pay the taxes now or pay the taxes later. What makes sense for your IRA and 401(k)?
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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?
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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?
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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.
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There may come a time near retirement where you should switch from your employer 401(k) to something else. When and why?
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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?
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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.
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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.
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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.
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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.
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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?
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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?
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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?
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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.
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Knowing your retirement income is as important as knowing your income in your working years. Avoiding the scenario of being “scared to spend.”
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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.
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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.
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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?
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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.
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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 retirement.
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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.
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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 to?
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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.
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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.
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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.
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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.
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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.
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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.
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As you get ready to head to the voting booth on election day, there is a reoccurring issue to continue funding vital community services in Marion County. Charisse and Kevin break down the needs and how to keep the funding going.
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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?
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When you go to vote this year in Marion County, you will see an issue to help fund vital city and county services. What is it all about and why is it important to our future?
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On this week's show:
- This year more people turn 65 than any other year in history. Turning 65 means filing for Medicare. What do you need to know?
- There is a proposal to push the Social Security ages back. This could mean you’d have to wait to get your full benefit. Could that change your retirement plan?
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In a special interview, Charisse sits down with Matt Walker of Maxwell Leadership to discuss the importance of personal growth, overcoming adversity, and the emotional aspects of financial management, emphasizing the significance of mentorship, leadership, and building connections to inspire and empower others in their personal and professional lives.
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To find out more about John Maxwell and Maxwell Leadership, go to www.maxwellleadership.com.
For details on Exchange, one of Maxwell Leadership's premiere events, hosted by John Maxwell, go to https://exchange.maxwellleadership.com.
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On this week's show:
- Charisse chats with Matt Walker of the Maxwell Leadership Foundation.
- The importance of a holistic approach to retirement planning.
- The Trump Tax Cuts expire at the end of 2025. Is your retirement plan ready?
- The 60-40 portfolio is regaining relevance due to the changing interest rates.
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The financial media says you need 1.8 million to retire. How did they arrive at that figure? We can prove they are wrong.
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Eddie Murphy told a great story on the Tonight Show about having “safe money.” Would it work for you?
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When people in their 80s look back on retirement, what do they wish they had done differently? You might be shocked.
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On this week's show:
- Inflation is down to it's lowest level in 3 years and the Fed is cutting interest rates. But can we avoid recession and how does this all affect you and your retirement?
- James Brown once gave Eddie Murphy some interesting financial advice.
- The Social Security Dilemma: What goes into making the right decision on when to claim your benefits?
- Avoiding the 401k Withdrawal Trap
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Whether it’s homeless pets, veterans, feeding the hungry, or something else, many of us have a passion to help our community. Give4marion.org can help and we can tell you how to get involved.
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On this week's show:
- September 17-18 are big days in Marion County. Find out how you can connect with and help the charities you are passionate about.
- Who is going to help you get the most out of your 401(k) in retirement?
- The cost of living in Florida is way up. How do you handle these new costs if you are retired?
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Tax loss harvesting, charitable giving, RMDs and more. What should you be talking about with your financial advisor before December 31st?
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On this week's show:
- Good times or bad? What do the indicators show for 2025?
- You pack money in a 401(k) with no help. How do you get the help you need?
- A new study says those IN retirement are more confident than those PREPARING for retirement. Why?
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Studies show 70% of us will need some kind of care in our elder years. This expense could wipe out a lifetime of savings in a short time. How do we protect ourselves?
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On this week's show:
- The “R” word is still out there. Recession. Can you protect the gains you’ve realized?
- Another nationally recognized name blows up the 4% withdrawal rule.
- You protect your retirement money from markets, taxes, and fees. Are you forgetting something?
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Many believe the tax code was written just for people who have a lot of money with tax and investment experts. There is at least one action item you need to be aware of that can help in retirement.
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Paul McCartney recently admitted he can't read music. Yet he wrote beautiful songs. How can you have a great retirement without knowing the ins and outs of Wall Street?
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Being diversified in your retirement portfolio means more than your investments. Can you diversify your taxes as well?
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On this week's show:
- Market volatility is back. How do you react?
- What is your idea of “safe money”?
- You diversify your investments. How do you diversify your taxes?
- Does the election concern you and your retirement money?
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2024 is Peak 65. More people are turning 65 this year than any other year in history. Age 65 means filing for Medicare. What do you need to know?
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During a interview on WSKY, Charisse Rivers talks about the recent stock market downturn. Why did this happen? How could it impact your retirement savings? Do you have a retirement plan that is setup to take advantage of these situations?
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A Princeton Professor found the three most common ways people develop income in retirement. Are you using one of them?
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The political headlines are changing daily. It effects the markets and your retirement accounts. Can you have a plan that takes you out of the chaos?
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On this week's show:
- Keeping your financial calm during these troubled political times.
- 3 ways to create income in retirement.
- Five things older retirees regret.
- Keeping up with the changing laws of retirement.
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Not everyone has a million dollars saved for retirement. Yet 70% of retirees say they are doing just fine. How is that possible?
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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/
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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.
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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.
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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?
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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 decision. The conversation also touches on the significance of Social Security and the importance of doing the math when planning for retirement.
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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.
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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 planning and consideration of long-term implications.
- 401(k)s are up, and Uncle Sam rooting you on. Why?
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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.”
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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?
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Costco is selling 200 million dollars in gold bars per month. Is this a good hedge if the market goes down?
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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?
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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?
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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?
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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?
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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
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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.
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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.
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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?
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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?
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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.
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In our Ask Charisse segment, we talk about taking money out of your IRA or 401(k).
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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.
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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.
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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?
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Some people plan for retirement focusing on everything that could go wrong. Some people plan hoping the stock market is going to return 10% every year. Should you be a pessimist, optimist, or realist?
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Most of us save most of our retirement money in a 401(k). Yet two articles popped up this week saying the Government wants to get rid of the 401(k) in less than 10 years. Why?
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One of the big challenges of a 401(k) is the lack of a pension-like paycheck in retirement. IBM thinks they may have found the answer. Could it work for you? OR could you do this yourself?
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In this episode of Retirement Coffee Talk Podcast:
- How do you develop income with your 401(k)? IBM thinks they have the answer.
- Kevin O’Leary has an eye-popping number we need to save for retirement.
- What can we learn about retirement from Tom Selleck?
- The biggest “tax misses” in retirement planning.
- How to fill the income gap when you don’t have enough.
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The 401(k) comes up short in a lot of ways. No income, limited choices, poor performance. Charisse shares ways to overcome some of these problems.
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On this week's show:
- 12 thousand people will turn 65 every day in 2024.
- Are you ready for retirement?
- Has the 401(k) made any improvements in the last few years?
- Do you have to “lock up” your money in retirement?
- The changes in retirement laws in 2024.
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Your mom told you not to touch the hot stove or you’ll get burned. The government and the financial industry are trying to use the same lesson with your 401(k). Is it good advice?
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On this week's podcast:
- When the talking heads say there is a financial crisis coming, what does that mean?
- Taxes in retirement are different than taxes in your working years.
- How often should you rebalance?
- The Government wants you to treat your 401(k) like a hot stove.
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If you decided to take advantage of the higher interest rates with a CD or other product in 2023, look for a form in the mail soon from the IRS.
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Charisse provides insights on lesser-known aspects of taxes, plus:
- Should you invest in the new Bitcoin ETF?
- Is the 60/40 portfolio back?
- A prediction the market will lose 50 to 60% in 2024.
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Did you know you can get an extra deduction just for being 65? Charisse has other tips that she says her clients miss that they (and you) need to know about.
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In today's episode, Charisse addresses 3 big retirement concerns:
- Boomers and Millennials differ wildly on how much money will make them happy. Where do you stand?
- Can a 401(k) alone fund a 25-year retirement?
- Another year, another check to the IRS. Will this be your story in retirement?
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In this episode, we look at interest rates, the Fed, markets, regional banks, The Magnificent 7's and more. Learn what's in store for 2024.
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Long-term care insurance is expensive, but the cost of a long-term care event can be outrageous. What are the coverage options and at what point can you fund it out of pocket?
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Charisse provides valuable insights for those considering a move to Florida. There's great weather and quality of life, but there is one thing Florida offers that many states don’t.
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When you use financial products that have terms like 3 months, 6 months, or a year…you are constantly making decisions. Is this a turn off to retirees’ or does it make them more engaged?
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They call it “The Retirement Red Zone.” It’s what you should be aware of 5 years before retirement and the first 5 years in retirement. Charisse walks through what it is to “do the math” on your retirement.
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Recently, respected financial radio host Dave Ramsey suggested you can have an 8% pull on your money in retirement. Charisse finds a lot that could go wrong here.
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Most of the places where you are saving for retirement like 401(k)s, Mutual Funds, stocks, bonds, etc have fees. The financial industry makes them hard to find. Is there a way to cut down on these fees and put more of that money in your pocket?
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Imagine a 90% tax bracket. It may sound crazy, but it happened not that long ago. What is your strategy for your tax infested 401(k) if taxes go up again?
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When stocks and bonds are both down, the classic Wall Street 60/40 portfolio doesn’t work. Learn about the Zinnia Wealth alternative: The 40-30-20-10 portfolio.
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There are many aspects that go into retirement planning, but not all of them pertain to your investments. Where will you live? How will your healthcare be covered? Will you continue to work part-time? How do you generate the income you need for the retirement you want? Charisse goes in depth on all of these.
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Many of us have used the Wall Street default mix of 60% stocks and 40% bonds. That idea has work well for many years…until now.
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For many of us, our 401(k) will be our biggest asset in retirement. How do you protect it, grow it, and pull income from it?
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Whether you receive a house, some land, or an amount of cash, inheriting money takes some planning. And if you are passing money down to your children and grandchildren, that make take even more planning. Where do you start?
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The Medicare election window opens in October and closes in December. What do you need to know about Medicare if you are just starting, and what do you need to know about the supplements if you are already using Medicare?
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Charisse Rivers of Zinnia Wealth Management has a discussion with Dr. Roger Ibbotson and Dr. William Goetzmann from the Yale School of Management on what is working and not working for retirees and pre-retirees in this high inflationary economy.
Dr. Robert Ibbotson is the Professor in the Practice Emeritus of Finance at Yale School of Management and chairman of Zebra Capital Management, LLC.
Dr. William Goetzmann is the Edwin J. Beinecke Professor of Finance and Management Studies as well as the Faculty Director of the International Center for Finance at Yale School of Management.
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In this episode of Retirement Coffee Talk, Charisse Rivers highlights how to be risk-averse and still get the growth to fund retirement. She explains the importance of having a written retirement plan and how to work with a financial advisor to help choose the right investments for your individual needs.
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What does it mean when the world’s biggest investment company is telling you to plan for retirement by dialing back risk and use products OUTSIDE the stock market?
- Cash is trash or cash is king. Which is it?
- Can you go through retirement with all your money in a 401(k)?
- A shocking revelation from the world’s biggest investment company.
- Uncle Sam says you have to take money out of your IRAs at age 73. What if you don’t need the money to live? What are your options?
You see the commercials all the time: “Protect yourself from a market crash by buying gold!” Is it a good move? Charisse breaks down the pros and cons on today’s special podcast epsiode, “Ask Charisse.”
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About Charisse Rivers
CEO & Financial Planner | Over 15 Years of Experience
Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.
She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.
She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.
Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.
Is it really possible that your social security could be taxed in retirement? For some people, that may indeed be the case. Charisse Rivers of Zinnia Wealth Management talks about who may face this tax obstacle and if there's any strategies to help avoid it.
Plus, is it a good strategy for someone retiring at age 62 to draw money solely out of their 401(k) while waiting until 70 to start taking Social Security.
Charisse Rivers of Zinnia Wealth Management talks about one of the most asked questions by retirees & pre-retirees: When should I take Social Security?
Assuming your retirement is going to work out because you’ve been a good saver can be dangerous. It’s time to do the math.
What happens when your financial advisor retires? Do they hand you off to “Billy the Kid”? When is it time to seek out a new advisor and what do you look for?
Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth and is the CEO of Zinnia Wealth Management. She and her team are specialists in retirement and estate conservation. They can help you answer the questions you may have about your financial future.
Zinnia Wealth Management is committed to you for the long run. Zinnia Wealth Management specializes in personally helping families, individuals and businesses achieve financial security to Live by Design, Not by Default.
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About Charisse Rivers
**CEO & Financial Planner |** **Over 15 Years of Experience**
Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.
She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.
She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.
Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.
If you don’t have a tax plan going into retirement, you will likely have to follow Uncle Sam’s plan, and that may not be the best option for your retirement. Listen to the latest episode of Retirement Coffee Talk podcast for more insights from Charisse Rivers of Zinnia Wealth Management!
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Charisse Rivers of Zinnia Wealth Management sits down with author and political commentator Candace Owens. They discuss motherhood, raising a family in today's world, who Candace would pick as a presidential running mate and the key to females being prepared financially for retirement.
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Charisse Rivers of Zinnia Wealth Management sits down with former Rascal Flatts lead singer Gary LeVox. They discuss the award-winning vocalist's new solo career, the importance of having the right team around you and his plan for retirement.
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Through all the ups and downs of the past 40 years, many Baby Boomers have built their wealth using the stock market. But as you get into retirement, should you be that dependent on the market or is it time for something else? And what is that something else? Tune in to Retirement Coffee Talk with Charisse Rivers. She explains it all!
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This week Charisse handles your questions about how your Social Security could be taxed, the pros and cons of CDs and Annuities.
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Charisse Rivers of Zinnia Wealth Management gets indepth on tax planning and answers real questions her listners ave asked, such as:
- How can planning help reduce the overall tax burden in retirement?
- Should you consider converting to a Roth IRA?
- Is it a good idea to use money from a 401(k) to pay the taxes from that conversion?
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In this episode of the Retirement Coffee Talk podcast with Charisse Rivers, the focus is on the concept of financial independence. Charisse discusses what financial independence means and why it is essential for a worry-free retirement.
She emphasizes the importance of having the freedom to spend your money, being free from financial worries, and exploring strategies to minimize taxes. Charisse also addresses common concerns and misconceptions about retirement planning and offers insights into developing a written plan for financial independence.
Whether you're a conservative investor or willing to take some risks, this episode provides valuable information to help you achieve a secure and fulfilling retirement. Tune in to gain confidence in your retirement journey and learn how to make the most of your financial independence.
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There are a lot of lessons (and financial lessons) we learned from our dads. Today we talk about how some of those lessons Charisse learned can benefit you as you sit down with her to plan your retirement.
Wikipedia, Google, Tik Tok, and Instagram can be fun, but is it the best place to get your Social Security information? Maybe not!
You can email us a question any time at retirement@zinniawealth.com. This week we handle questions our listeners have about annuities.
Whether you currently have an advisor and want a second opinion, or you are starting from scratch, what can you expect from your retirement planning meeting at Zinnia Wealth?
Warren Buffett says he makes one REALLY GOOD decision every 5 years. What decision do you absolutely have to get right before you retire?
Charisse Rivers of Zinnia Wealth takes on the sensitive topics no one wants to talk about…but should. Medicare, Long-Term Care, and Estate Planning. Find out more at zinniawealth.com.
Charisse Rivers of Zinnia Wealth talks about two vital elements of retirement planning people neglect: Income and Tax planning. Find out more at zinniawealth.com.
Charisse Rivers of Zinnia Wealth discusses the ups and downs of being too aggressive or even too conservative with investments. Find out more at zinniawealth.com.
Charisse Rivers of Zinnia Wealth discusses missteps people make with Social Security. Taking it at the wrong time and working while collecting their benefit.
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Moms have the most important job in the world. Many moms will spend a lot of time in retirement alone. How can we help with good financial planning?
- It’s Mother’s Day! Honoring our moms before and in retirement.
- Don’t miss the opportunity of these high interest rates!
- Don’t ignore your check engine light or your check retirement light.
- What if mom and dad aren’t getting financial help? How do you step in?
When you go to a casino, they give you a sheet that shows you the odds of winning each game. Should Wall Street do the same? How do you decide how much of your retirement money should be in the stock market?
- Three things we all need from a retirement plan are protection, income, and growth. Charisse outlines how Zinnia Wealth addresses all three.
- Plus: The 6 mistakes people make before retirement (and how to avoid them).
Using your tax refund to lower your taxes in retirement. Are you a good candidate to move money from your IRA to a Roth?
- Want to retire early? How do you fill the income gap if you want to wait on Social Security?
- We found another crazy retirement rule. Does it work?
- Putting your tax refund to work to lower your taxes in retirement.
- In your 70s is not too late to talk about estate planning.
Wall Street has always loved a mix of 60% stocks and 40% bonds. Last year that design had one of it’s worst years ever. This year it’s performing better. Is 60/40 back?
- Could your fear of the stock market paralyze you when it’s time to invest for growth?
- Is the Wall Street 60/40 portfolio working again?
- Making the adjustment from saving to spending.
- Escaping your old annuity.
- The joy of spending your kid’s inheritance.
- Market prediction for this summer: Down 3000 points!
- Boomers pay 60% of Federal income taxes. Are you paying too much?
- The common “Are you kidding me?” moment in our Portfolio X-Ray.
- Changes this year with RMDs.
- Are you a good candidate for an IRA-to-Roth conversion?
- What is ESG investing?
- Planning for your money and your time in retirement.
Some things make psychological sense, some things make financial sense. Weighing out the idea of being mortgage-free in retirement.
- Will we see more banks fail?
- Social Security has more bad news about cutting back benefits.
- Should I pay off my house before retirement?
- If I have to write the IRS a check this year, did I do something wrong?
- The hard conversation of Long-Tern Care coverage.
- Retirement calculators: Can you trust them?
With the NCAA Basketball Tournament wrapping up, we have a list of six things you should check off to complete your retirement. We call it the Slam Dunks of Retirement Planning.
There are many options when it comes to risk and safety in your portfolio. The classic 60% stocks and 40% bonds is not working. What does Zinnia Wealth suggest to replace it?
- What are people most concerned about right now?
- Taking advantage of the higher interest rates with T-Bills.
- Get out of your 60-40 portfolio!
- Shifting through the different kinds of financial professionals. Who is right for you?
We revisit an interview Charisse conducted with the 3-time Naismith College Basketball Coach of the Year and current University of Kentucky head coach, John Calipari.
- What do we need to know about the recent bank failures?
- Is 5% growth enough to fund a retirement?
- March Madness is underway, so is Tax Madness. Are you ready for April 15th?
- A new withdrawal theory: Take more when the market is good, cut back when the market is bad. Does it work?
- What is the "Widow's Tax Penalty” in retirement?
Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one.
- Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one.
- Charisse talks about her recent experience playing in the WM Phoenix Open.
Over 90% of financial advisors leave the business in 3 years. Why Zinnia Wealth continues to thrive and stand the test of time.
Part of our goal at Zinnia Wealth is to take some of the mystery and worry out of retirement. Doing the math and seeing it on paper is a great way to start.
- What to do if we see a big market drop this year.
- Suzi Orman just made an interesting move toward portfolio protection.
- What to consider when making your Social Security decision.
- They say I’m not rich enough to have a financial advisor!
- Over 90% of financial advisors don’t last 3 years, why Zinnia Wealth continues to thrive and stand the test of time.
What happens if you tell your employer you want to start cutting back and slowly phase into retirement? 5 years ago, that might not have worked. Today the answer may work more in your favor.
- Have attitudes changed toward phased retirement?
- How much do you need to save to produce an income of 50k per year?
- Making a career decision because of taxes.
- When you have a retirement spending problem…you don’t spend enough!
It may take the Federal Reserve a long time to get us back to 2 percent inflation. How will your retirement portfolio stand up to 4 to 5 percent inflation if it lasts for an extended period of time?
- The new inflation numbers are out, and it looks like the Fed will have to keep raising rates. Can you take advantage of these higher interest rates?
- Congress is changing the retirement rules again with Secure Act 2.0. What do you need to know?
- What tax planning moves can you make before April 15th?
- Navigating the choices in your 401(k).
- Mailbox money: How do I develop checks every month in retirement?
Financial advisor, Investment advisor, CFP, Wealth Manager…it goes on and on. How do you know which one is right for you?
The 60% stocks and 40% bonds model crashed last year. The Wall Street Journal has a new idea, Charisse isn’t convinced.
- Can you look at these market losses and say, “I choose NOT to participate.”
- Approaching retirement when you and your spouse have a big age gap.
- If the 60/40 portfolio is out, what’s better?
- How do you choose the right type of advisor for your needs?
No one likes to lose money. That becomes a much more serious conversation right before you retire.
- How can you stop the losses from this current stock market?
- How is Zinnia wealth different from other financial advisory firms?
- An example of an advisor that just isn’t listening.
Over the last 10 years, most retirement plans were built on an inflation rate of 2 to 3%. If you don’t have increasing income built in, a year like 2022 can be a problem.
- We may be stuck with high inflation for years: What adjustments need to be made in your planning?
- New rules about IRAs, 401(k)s and RMDs.
- Facing retirement as a single.
- How you can help your kids and grandchildren with legacy planning.
Congratulations! You’ve saved $1 million for retirement. Now how long will it last? According to CNBC, there is more than one major factor that affects that outcome.
- Is the market reading the Fed correctly?
- Congress changed more retirement rules and you need to be in the know.
- How often should you be making changes to your retirement accounts?
- How long will one million dollars last in Florida?
- 401(k) fees: how much are you paying and what can you do about it?
2022 was a tough year for the stock market and probably your retirement accounts. What do you do to preserve money in a volatile market and take advantage of some new opportunities?
- A look back at 2022. A look forward into 2023.
- What Congress did to retirement accounts while you were on vacation.
- Will the 60/40 portfolio make a comeback in 2023?
- You know how to save your money. But do you know how to spend it in retirement?
- Are employers now more open to phased retirement?
- How much do you have to save to develop $50k a year in retirement?
- Why do people use the swings of the stock market to determine their income?
- How making brownies gave Charisse and her kids a lesson in inflation.
- Learning investment “portion control” at McDonalds.
Pulling your money back and forth between cash and equities and trying to time the market seldom works. What about a long-term strategy for market risk that you can stick with?
- Stop market timing! Have a long-term strategy for market risk.
- How do develop mailbox money?
- Making sense of your 401(k) options.
- Should I use an on-line bank for better interest rates?
One of the reasons people leave their financial advisor is not due to lack of investment performance, it’s due to lack of relationship. How often should you expect to meet with your advisor?
- What happens if your job ends a few years before retirement?
- How are you supposed to feel about annuities if many advisors can’t agree on them?
- How often should you expect to meet with your financial advisor?
- Another scary pension statistic.
One of the hardest things for some people in retirement is learning to spend their money and enjoy their life without the fear of running out of money. How can you spend with confidence?
Do you take all the recession talk seriously and change your investment strategy? What is tax loss harvesting? How do you spend with confidence in retirement? Are employers more open to phased retirement? The biggest concern of retirees after “will I run out of money?".
The IRS has changed the standard deductions, retirement contribution levels, gifting and more for 2023. We go through the highlights and have a new guide that outlines it all.
How are interest rates pointing to a recession next year? The IRS has new laws for 2023 about taxes and retirement contributions. How much do you have to save to develop $50k a year in retirement?
We work hard to create as much retirement income as possible, but with that comes a tax bill. Can you find a balance?
What does it mean to have a defensive strategy? Have we found the bottom? Don’t be fooled by a bear market rally. Why do people use the swings of the stock market to determine their income? More income, more taxes. Can you get around it? The IRS is changing a lot for 2023.
- Is there a better way than trying to time the recession and this market?
- With interest rates going up, is there a better place for your cash?
- There are over 3 trillion dollars in Target Date Funds. Is it a good place for your 401(k) money?
- A possible bond replacement for retirement.
With the Country Music Awards coming up, Charisse took a trip to Nashville and was able to sit down with Jason Aldean.
When you are taking money from accounts that are dropping in value, it can alter your future retirement outcome. How do you control what you can’t control?
- Adjusting your portfolio if inflation stays high.
- Taking money out of an account that is dropping.
- Can you retire successfully on 3 to 5% growth?
- When am I a good candidate to convert my IRA money over to a Roth.
- Learning investment “portion control” at McDonalds.
Credit card and mortgage rates are up, but the rates on bank CDs remain dismal. Can you survive in retirement on 2% growth?
Rates at the bank are getting better, but is it enough? At what point do your cash holdings work against you? Is Bitcoin a good idea in your 401(k)? There are so many kinds of annuities. Is a variable annuity a good option?
The Medicare window opens in October where you can decide to keep your current plan or switch to something different. When is the right time to switch?
- There are a lot of opinions about the markets and economy. Who do we believe?
- Medicare can be a tangled mess. How do you know when it’s right to switch plans?
- There are CPAs, stockbrokers, investment advisors, retirement planners, insurance agents, and more. How do you choose?
Hurricanes are part of living in Florida. We build our houses with that in mind. We watch the weather and do our preparations. The Stock Market may be signaling hurricane. If you are getting close to retirement, are you preparing to limit the damage?
You protect your property before a hurricane, but are you protecting your retirement accounts for what might be a financial hurricane? A global survey found these are the five things’ people get wrong as they get ready for retirement. What is tax loss harvesting and why is this a good year to look into it?
We need a healthy balance in life between work and play. Your retirement money needs a healthy balance between risk and safety. That balance changes with age. What is the right balance for you?
We need a healthy balance in life between work and play. Your retirement money needs a healthy balance between risk and safety. That balance changes with age. What is the right balance for you?
- The Fed keeps raising rates and the market keeps going down. Are they off track?
- For your age, does your retirement money have the right balance of risk-to-safety?
- Ok, you aren’t a millionaire celebrity, but you may still need a will.
- Can you still peel off 4% of your savings each year and never run out of money?
- You may have losses at year end. Can tax loss harvesting help you lower your tax bill?
- The Fed keeps raising rates and the market keeps going down. Are they off track?
- For your age, does your retirement money have the right balance of risk-to-safety?
- Ok, you aren’t a millionaire celebrity, but you may still need a will.
- Can you still peel off 4% of your savings each year and never run out of money?
- You may have losses at year end. Can tax loss harvesting help you lower your tax bill?
If most of your retirement money is saved in an IRA or 401(k), you might consider the tax saving measure of moving some of that money over to a Roth. Charisse talks about the pros and cons.
If most of your retirement money is saved in an IRA or 401(k), you might consider the tax saving measure of moving some of that money over to a Roth. Charisse talks about the pros and cons.
One of the most common questions when people come in is: Can I retire? But with all that’s going on in the economy, another question is: Should I retire, or should I wait?
One of the most common questions when people come in is: Can I retire? But with all that’s going on in the economy, another question is: Should I retire, or should I wait?
There is so much more to a successful retirement than achieving a number in your account. It’s the planning that goes with it.
There are many ways to develop income in retirement. You may have a lot of equity in your home. There is a way to turn that equity into cash for retirement.
Someone wrote to the 'Market Watch' advice column wondering if they should leave their financial advisor. Charisse found a number of reasons to say YES!
Women are very underserved by the financial industry. It’s mostly been guys talking to guys about investments. Charisse and her team are changing that.
Everything is more expensive. If you’re retired, will you have to make choices between paying for necessities and sacrificing your fun?
The Fed has been wrong about inflation. Wall Street has been wrong about earnings. If the experts can’t predict the market, how can you predict and plan for your retirement?
There are those on Wall Street that say that you must be in the stock market for growth and all the ups and downs are just the price of admission. Is that true for all of us?
The markets are down as inflation and interest rates go up. How long will this last and what can you do to preserve your retirement money?
Charisse talks with former Vice President Mike Pence about taxes, Social Security, and the American Dream.
Should you be financially boarding up windows and filling sandbags right now? Charisse takes you through steps for dealing with falling markets and a possible recession.
Last year was a great year for the stock market and Uncle Sam had a great year collecting taxes. Will that translate into tax breaks for retirees? If not, what are some options for tax planning?
Is our economy on the verge of better times or tougher times? Charisse explains where we are and how to position your money if you are near retirement.
It was big fun at the annual Murray Brothers Caddyshack Golf Tournament in St. Augustine this year. Charisse talked to the guys about the charity, their restaurant, their clothing line and retirement.
Charisse Rivers of Zinnia Wealth interviews Country Star Jason Aldean about life, his Ocala/Florida connections, and his latest CD.
When the stock market goes down, we look to income-producing vehicles to help. But at 8.5% inflation, are the traditional “go-to” producers keeping up?
Do you want your kids to receive an inheritance? Would you like to control how they get it, so they don’t blow it? We have Estate Planning Attorneys in the Financial Service Center that can help.
Is there something happening with your retirement money that you don’t know about that is undermining your retirement dreams? Find out today on the Retirement Coffee Talk Podcast.
You can now buy a ticket for a 90-minute space ride for about 500 thousand dollars. If that’s not your thing, what kind of retirement can you build with the same amount?
What action you take with your retirement accounts depends on your age. How soon will you need this money? Charisse breaks it down into 3 groups and 3 courses of action.
As you look at this market, are you scared, paralyzed, or tempted to tinker with your retirement accounts? Charisse talks about how emotions can get in the way of good investment decisions.
Most of us have one way to make money, with one paycheck. In retirement, we need to have multiple sources of income. We need to make you an “Income Wizard.”
Many financial advisors don’t have the special skills in taxes, estate planning and more. This is why Zinnia Wealth has created the Financial Services Center.
Market growth is great, but as the market went up, did it increase your risk level without you knowing about it?
You just sold a house, a company, or inherited money. What should you consider to put this money to work for you and make it last?
One survey found 75% of Americans believe saving 1 million dollars would give them the confidence to retire. What’s your number or should it even be a number?
Fruitcake. You love it or your hate it. The same can be said for a retirement planning vehicle…the annuity. Why?
Many people have now hit that mark of 1 million dollars saved in their retirement accounts. Are you celebrating or still worried?
A new study shows some advisors are out of touch with their client needs. How do you make sure you and your advisor are on the same page?
Women now control 40% of the world’s wealth. Why are they being ignored by many advisors?
Charisse Rivers chatted with the former NBA and college basketball star about his charity (The Mary's Court Foundation), dealing with adversity and advice on preparing for retirement.
Charisse breaks down what you should be talking to your financial advisor about before the end of the year.
Charisse recently had the opportunity to chat with ESPN television and radio personality, Stephen A. Smith.
At a recent charity event, Charisse chatted with Pro Football Hall of Famer and former Miami Hurricane, Michael Irvin.
How much do you need to save? Ask different people of different ages and incomes, you’ll get all kinds of answers. Perhaps you are asking the wrong question.
Charisse sat down with Kentucky Coaching legend John Calipari. Hear what she learned about how the world of coaching basketball relates to having a coach with your finances.
70% of people in a Charles Schwab survey said they had no idea how their different accounts will be taxed. Charisse gives you the breakdown.
Schwab asked people if they could see a financial advisor, in what areas would they want help. These are the top 4.
Many people believe Social Security is going broke. Is that true and how do you plan around it?
Each administration has a different idea about taxes. You need to know about the new proposals on Capital Gains and Inheritance.
Wells Fargo says 80% of retirees rely primarily on Social Security and pensions for income. Is it enough and what can you do about it?
A doctor might put you on a treadmill to test your fitness. Can you do the same thing with your retirement plan?
While attending the Arians Family Foundation Annual Golf Tournament, Charisse sat down for a conversation with rising Country Music star, Chase Rice.
Congress is busy dreaming up new ways to tax us, but they are also considering taking away some of the advantages that we currently have in place!
Charisse chats with the Murray Brothers (Bill, Brian Doyle, Joel, John & Andy) at the 20th Annual Caddyshack Charity Golf Tournament.
Charisse talks with Super Bowl winner and current head coach of the Tampa Bay Buccaneers - Bruce Arians.
Charisse sits down with Heisman Trophy winner and former Tennessee Titan running back, Eddie George.
Charisse sits down with 3-time Super Bowl Champion, as well as NFL and College Football Hall of Famer, Emmitt Smith.
Charisse talks with Tim Allen and Richard Karn of "Home Improvement" and the new History Channel series, "Assembly Required".
On the golf course, a caddy helps his golfer identify hazards, stay out of trouble and select the correct tool for the job. Is your financial advisor doing the same with your retirement?
No vacations, no travel, no going out to eat, no fun. Did we just preview your retirement with no plan?
Some of you may remember mortgage rates over 10%. There are many signs that inflation may be going up. What does that mean for your retirement plan?
Lowering your tax liabilities in retirement should be a priority. But how do you do it?
Each year Social Security sends out billions, but they also pull back billions in taxes from people who exceed certain income levels. What do you need to know?
If you meet with Charisse and her team, what does the process look like and what do you get out of it?
What are your concerns about retirement? Charisse goes through the current Top 3 and her solutions.
We have a 401(k) checklist. Plus, there are 2 places where the 401(k) comes up short. How do you solve those issues?
Did your money snap back from last year’s stock market low? Will it snap back the next time?
There are two times when people want to move money: When the market is way up and when the market is way down. Charisse discusses both scenarios.
Studies show we are living longer and longer. How do you make the money last? Do the math!
The market is up and so are the people who have a million dollars in their 401(k). But do you really want your millionaire status to go up and down with the market?
The tax code is over 75 thousand pages. Can you believe there is something in there about Kit Kat Bars?
We have all made a lot of changes in our lives due to the pandemic. Has it (or should it) change the way you plan for retirement?
It’s time to see a financial advisor. What do you ask? What do you bring? What should you accomplish? Charisse talks about that first meeting at Zinnia Wealth.
Many people come to an advisor wanting to know if their money will last. If your advisor says "yes", ask them what is it based on?
We are in a second wave of layoffs due to the pandemic. Before you dip into that 401(k), know your options.
Warren Buffett said "Don't mix your politics with your investing". Is this the year to break that rule?
The movie line was "Greed is good". When you get closer to retirement, it may be time to be "greedy" and grab some profit for your future.
What happens to the market and the tax landscape after the election? Is there something you should be doing now to protect your money?
The open enrollment window for Medicare starts Oct 15th. What do you need to know if this is your first experience with this or if you are considering a different advantage plan?
We have discovered that there are a lot of life and financial planning lessons in the game of Monopoly.
One survey found only 4 in 10 people know how much income they will need each month in retirement. You don’t have a plan without this number!
Suze Orman says the "60-40" portfolio is dead. Charisse looks at that and other outdated financial strategies.
A new survey looked at people who retired from 1992 to 2014 and found almost 50% of respondents had to dial back their lifestyle and spending because they didn’t have enough income. What happened?
Have you ever wondered if your financial plan is missing something or out of date? If so, it’s time to test your retirement.
The market giveth and it taketh away. But what if that happens at exactly the WRONG time?
There are plenty of headwinds for the market and the economy to move through on the way to recovery. Can you risk your retirement money that it will all turn out rosy?
We found a Covid-19 patient who would be swimming in debt without Medicare. What does it cost? How does it work? You need to know.
Social Security admits (unless something is done) in 2036 they will not be able to pay 100% of their promised benefits. Has Covid-19 moved that timeline up?
Market history claims an average of 7% growth per year. So how is that working out in 2020 if you are taking income? How do you plan for all these scenarios over a 20 or 30-year retirement?
Income planning is one of the foundational parts of retirement planning. Charisse looks at some of the good and the bad of annuities.
Even if you created a financial plan just 6 months ago, the current financial crisis may mean you’ll have to re-think some of your strategies.
The volatility continues, on Wall Street. Why? Plus, is your financial advisor earning their money right now?
Putting money in the market for retirement comes with some risk, but when you start drawing that money out to live on it puts you into a whole new risk category.
There are large numbers of people that are doing nothing right now with their money. Is that a good strategy? If you do take action, what do you do?
The headlines and talking heads are pretty bleak right now. How do you get past that with a positive attitude and make positive financial moves for your future?
The Corona Virus, Super Tuesday, A Fed rate cut and daily swings of hundreds of points. Should you be on this market roller coaster?
The Corona Virus shows up on Wall Street with some of the worst numbers in 2 years. How do you react as a retirement saver?
There are unknown and unseen forces eating away at your retirement wealth. Charisse talks about finding and fixing them.
We brought in an article this week that says a good financial advisor goes “Beyond the Basics.” What are the basics, and what should we expect beyond that?
Does taking 4% of your money still insure that you won’t run out of money in retirement? Maybe it’s time to take a fresh look at the retirement “Rules of Thumb”?
The financial industry likes to get you a 10-year history of mutual funds, stocks, bonds, and portfolios. Charisse explains why that is not working anymore.
Recently Charisse sat down with the new coach of the Tampa Bay Buccaneers, Bruce Arians and his wife Chris. They talked about their charitable work and the Bucs.
Many people believe they’ll pay fewer taxes in retirement. There are new studies to show that may not be true.
Former UF Quarterback Tim Tebow is having a worldwide impact with his charity work. Charisse sat down with him to find out about his great work and how we can help.
The Secure Act was approved at the very end of 2019. We discuss what it means for your retirement planning.
A study found that of all the services women use, they are most dissatisfied with financial services. Why is that and how can we do better?
There’s a study that says ONE THIRD of your spending in retirement will related taxes! Do you have a plan for that?
Both Congress and the IRS have some new ideas on how to treat your 401k in retirement. Plus help with your Social Security decision.
Do you remember your very first paycheck? It was exciting to tear it open to see what all your hard work had accomplished. But there was another surprise waiting for you, and it should teach us a life-long lesson.
Charisse participated in a charity golf outing and was able to interview Florida Football Legends Steve Spurrier and Danny Wuerffel…with a little financial wisdom sprinkled in.
On today’s podcast, we learn an important financial lesson from the highest paid woman on TV. Can you guess who it is?
When people come into Zinnia Wealth, what are the most common problems they are looking to solve?
It’s the anniversary of one of the single worst days in stock market history. Could it happen again? Can you guard your retirement money from it?
If the economy and the stock market go into recession, does your retirement account have to as well? Find out how to “opt out” of the next market decline.
Social Security and your 401k may not be enough. How do you build more paychecks in retirement?
With the interest rate going down where do you go for return? Is pushing more toward risk based money the answer?
There is a lot to consider when it comes time for Medicare. Charisse guides you through some of the basics.
Recently Charisse participated in a 36-hour endurance challenge in the mountains of Utah. What she learned about herself, and how it applies to preparing for retirement.
At a recent charity golf tournament Charisse had the chance to talk to the Gators new Head Football Coach, Dan Mullin.
This week on Facebook, a young man learned a hard financial life lesson through the game of Monopoly.
The Dow has seen a lot of down days recently and that may be affecting your retirement accounts. Do you dismiss it or take action?