Retirement Coffee Talk
453 episodes — Page 1 of 10
Is Capping Social Security the Smart Fix—or a Distraction?
Why Am I Writing Check to the IRS in Retirement? | Dealing with Market Declines
Why “Buying the Dip” Can Work Against Retirees | The Retirement Costs Nobody Warns You About
What Can Get in the Way of Your Retirement Timing
Avoid These 5 Mistakes Before Retirement
What Could You Find in Retirement That Would Give You “Sticker Shock?” | Are You Having a Hard Time Dealing with Inflation?
What Is Your Measure of Stock Market Success? | The Secret to Retirement Happiness Many Have Discovered
Spreading Out Your Financial Risk Outside of the Stock Market | Is There a Sweet Spot When to Do a Roth Conversion? | The Mistakes Retirees Keep Repeating
Interview with Curtis Wynn CEO of SECO Energy
How Are You Handling the Current Market Drop? | This May Actually Be Your Biggest Retirement Asset | An Interview with Curtis Wynn CEO of SECO Energy
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Two Siblings in Their 50s Get an Inheritance. They Deal with It in Completely Different Ways. Who’s Right?
If you get an inheritance, how do you honor the person who gave it to you, be responsible, but also have some fun? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Over 30% of Retirees Make THIS Costly Mistake
Uncle Sam says there comes a time when you MUST take money out of your 401(k)s and IRAs. A lot of us get that calculation wrong. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Where Do I Put My Money to Get Me the Retirement Paycheck I Need? | Will the 2026 Stock Market Stay on the Roller Coaster?
On this episode: A CD and a bond pay this; an annuity pays that. How do you find the financial vehicle to provide you the paycheck you need in retirement? One factor that is adding to the volatility of the 2026 stock market. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
John Calipari on Coaching, Curiosity, and Planning Life After Basketball
Charisse Rivers sits down with John Calipari, former long-time Kentucky basketball coach and current head coach at Arkansas, to discuss leadership, motivation, and life beyond the court. Calipari reflects on teaching curiosity and humility, preparing young athletes to understand money, and how he thinks about legacy and planning for the future. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
If You Are Losing Money in the Stock Market, When Is Enough, Enough?
Everyone has their breaking point for stock market losses. When do you pull out and go to cash OR how can you avoid that scenario altogether? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Can My Retirement Plan Be Like My Car GPS? | To Pay Off Your Mortgage or Not
On this episode: A GPS tells me step by step how to get to my destination. Can a retirement plan do the same? Should you pay of your mortgage or carry it into retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
This May Be Your Biggest Challenge If You Want to Retire Early
Early retirement may mean taking Social Security at 62. But what do you do about healthcare? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
What’s More Important to You: Growing Your Money or Protecting It? | Watch Out for This Early Retirement Trap
On this episode: What’s your goal from growing your money: 3%, 5%, beat the market? Is that important in retirement? This might be your biggest hurdle if you want to retire early. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Can Retirement Planning Be Boiled Down to Three Things? | An Odd Difference Between People Who Are Preparing for Retirement and Those in Retirement | The Mistake Over 30% of Retirees Make
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Interview: Chester Weber – Live Oak International
Chester Weber has made his living around horses. He has created one of the premiere events in the Ocala area at Live Oak International. What do you need to know to attend? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
As Interest Rates Go Down, What Should You Do with Your Retirement Money? | You Lose Your Job 2 Years Before Retirement: Now What? | Interview With Chester Weber at Live Oak International
On this episode: Buy short-term bonds when rates are going up, buy long-term bonds as rates are going down. Is there anything else? What’s your action plan if you lose your job a few years shy of retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Should Gold Be a Part of Your Portfolio? | How Hard Is Your Advisor Really Working for You? | Will AI Eliminate Retirement Planning and Saving?
On this episode: Gold prices are going through the roof. Should you buy in? How often should you meet with your financial advisor? Elon Musk says technology will end the need for retirement saving. Is that possible? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
How Do You Create Your Paycheck in Retirement?
From the 4% rule to pulling money as you need it, there are a lot of ways to determine your retirement paycheck. What are the pros and cons of each one? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
The Question Everyone Has No Matter Their Wealth | Are Bonds Out of Favor? | Dealing With Your Biggest Retirement Expense
On this episode: Whether you have $5 million or $500 thousand, everyone seems to be asking THIS question. Interest rates are down. Should you give up on bonds? People are more worried about THIS than the price of food and housing in retirement. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Why the Numbers They Tell You to Save Are Wrong
When you see the articles that say you need $1.5 million to retire, it can be depressing. There is an important factor these numbers don’t include. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Avoiding the Retirement Budget Buster | Your Retirement Decision After a Surprise Job Loss
On this episode: Unexpected expenses will likely happen to you in retirement. How do you include that in your retirement budget? What happens when you lose your job a few years before retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
THIS Is When the Fear of Running Out of Money Starts to Go Away | Things to Watch Out for When Getting an Inheritance
On this episode: The fear of running out of money is widespread. We found the point when that fear nearly goes away. Taxes, step up basis, taxable, tax deferred…inherited money comes with some homework. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
10 Signs You Know It’s Time to Retire
Do you have “retirement fever?” See if you can see yourself in our list. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Did This Lottery Winner Make a Bad Decision? | What This DIYer Got Wrong in His Retirement Planning
On this episode: Lump sum or monthly payout: What would you choose as a lottery winner? A man who handled his own retirement planning and retired before 60 shares what he got wrong. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
There Are Some Who Spend Confidently in Retirement. What Do They Have in Common?
JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do this. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
The Roaring 20s Ended in the Great Depression, Will the 2020s End the Same Way? | What Do the People Who Spend Freely in Retirement Have in Common?
On this episode: There are some strange "coincidences" between the 1920s and the 2020s. But what does that really mean? JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do this. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
She Says, "It Was the Worst Retirement Decision of My Life"
Waiting to take your Social Security can get you a bigger check. But at what cost? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Will 2026 Be a Better Year to Retire Than 2025? | Can “Buying the Dip” Be Successful? | The 4 Most Common Questions for Financial Advisors
On this episode: Interest rates are down; market predictions are uncertain. Should that be a factor in your retirement decision? If you have cash on the sidelines, can you buy the dip and time the market? What does the 2026 tax conversion look like. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Love Horses? Let’s Take It to a New Level with the Grandview Clydesdales
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! Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
What Are the Chances the Market Will Be Up 4 Years in a Row? | Red Flags to Watch Out for When Choosing an Advisor | Interview with Karen and Shannon Cobbs of Grandview Clydesdales
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Another Idea to Save Social Security
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Oreo Flavors Gone Wild: Would You Eat a Turkey Cookie? | Target Date Funds: The Risk You Didn’t See Coming | Can You Really Afford to Gift Your Kids $200,000? | Should You Pay Off Everything Before Retiring?
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? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Are You Set Up to Get Retirement Royalties?
Movie stars and music artists get “royalties” for their past work. Can you do the same in retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Is the New Vanguard 401(k) Offering a Good Deal? | 4 Things People Want from Their Retirement Plan | 75% of People Try to Do Their Own Retirement Plan. What Do They Usually Miss?
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? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Should Dividend Paying Stocks Be a Part of Your Retirement Plan?
There are currently record numbers of dividend paying stocks being purchased. Why? Is it something you should look into? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Should You Pay Off Your House Before You Retire?
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Is Retirement the Most Complex Financial Time of Your Life? | If the Market Is Down, Do You Cut Back on the Fun? | How Uncle Sam Has Your 401(k) in a Headlock
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Don’t Let Money Worries Steal Your Joy in Retirement
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
3 Things You Can Do with Your 401(k) at Retirement
Your 401(k) may be your biggest retirement asset. What are your options on how best to use it? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Charisse Talks with Jonathon Fleece of Empath Health on Memory Loss and Family Support
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
What Oreo Cookies Can Teach Us about Retirement
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
A Retirement Lesson from Oreo Cookies | IRA Rollover Mistakes | Options for Your RMDs
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? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
80% of Us Could Be Making This Retirement Mistake!
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
A New Mindset That Could Change Your View of Retirement Planning | Your Plan or Uncle Sam’s Plan for Taxes? | Options to Make Your 401(k) Work for You in Retirement
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. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Shohei Ohtani Teaches Us a Retirement Lesson
The new Dodgers phenom has structured his pay using deferral. Can you do the same in retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.