Retirement Coffee Talk
453 episodes — Page 4 of 10
How to Protect Your Retirement from Uncle Sam
The end of the year brings up two discussions about your 401(k). 1) If you are retired, it’s time to figure out your Required Minimum Distribution (RMD). 2) If you are getting ready for retirement, it’s IRA-to-Roth conversions. Charisse looks at the pros and cons of both. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
How will the results of the election affect your retirement? | Someone is not happy about the Great Wealth Transfer | How to protect your retirement from Uncle Sam
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? 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 Top 8 Easy Things You Can Do to Get Ready for Retirement
Finding a financial advisor is probably the most important step in getting ready for retirement. We have a list of 8 things you can do before you find your advisor. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
What usually happens to the stock market after an election? | Workers want their pensions back. What if you don’t have one? | The Top 8 things you can do to get ready for retirement | Why should you choose an independent financial advisor?
On this week's show: Worried about the stock market after the election? Developing your own personal pension. 8 things to check off your list before retirement. The advantages of choosing an independent financial advisor. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Interview: Marion County Sheriff Billy Woods
Charisse sits down with Sheriff Billy Woods to talk about the importance of the 1% and half penny sales tax referendum for public safety in Marion County and how this funding will support law enforcement, fire departments, and emergency services, while also addressing the need for improved infrastructure and school safety. Like this episode? Hit that Follow button and never miss an episode! 💬 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.
Sheriff Billy Woods weighs in on the needs of Marion County | Charisse looks at the important retirement issues with a policy comparison of Trump and Harris
On this week's show: Why does Marion County need to make the current tax structure permanent? Charisse interviews Sheriff Billy Woods. How could your retirement be impacted by the election? Charisse does a side-by-side comparison of the candidates. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Voting for Your Financial Future
Charisse Rivers discusses the implications of the upcoming election on retirement planning, focusing on key issues such as tax policies, social security, and corporate tax rates. She highlights the differing views of the presidential candidates on these topics and how they may affect retirees and pre-retirees. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, 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 with Michelle Stone, Marion Co. D-5 Commissioner | The Election and Your Retirement
On this week's show, Charisse Rivers takes a look at the election and it's potential future effects on your retirement as it relates to taxes, social security and Medicare. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Interview with Kevin Sheilley: President and CEO of the Ocala Metro Chamber and Economic Partnership
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. 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 with Kevin Sheilley | How much do you need to generate 100k a year in retirement? | Will the latest Social Security proposal work? | 60% of people are saying they will do what many people in retirement regret.
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? 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 with Ocala Mayor Ben Marciano
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? 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 with Ocala Mayor Ben Marciano | How is planning for Ocala’s future like planning for your retirement future? | The Medicare Open Enrollment window is open. What do you need to know? | Another proposal to help Social Security. Will it work?
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? 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 Power of Leadership in Personal and Financial Growth
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. 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! 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. See omnystudio.com/listener for privacy information.
The Importance of Leadership in Personal Growth and Financial Success | What is Holistic Retirement Planning? | Navigating Tax Changes for Retirement | Is the 60-40 Portfolio Making a Comeback?
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. 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.
Proof That You Don’t Need Over a Million Dollars to Retire
The financial media says you need 1.8 million to retire. How did they arrive at that figure? We can prove they are 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.
A Retirement Lesson from Eddie Murphy
Eddie Murphy told a great story on the Tonight Show about having “safe money.” Would it work for you? 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.
Five Things Older Retirees Regret About Retirement
When people in their 80s look back on retirement, what do they wish they had done differently? You might be shocked. 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 Fed is Cutting Interest Rates, What Does That Mean for Your Retirement? | A Financial Lesson from Eddie Murphy & James Brown | When to Claim Social Security | The 401(k) Tax Bomb
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 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.
It’s the biggest time of the year for Give4marion.org. What you need to know.
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. 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.
Getting involved in our community with give4marion.org | Getting the help you need with your 401(k) | Retirement in Florida is getting more and more expensive | What if you need more income?
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? 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.
Check Off These Important Retirement Points Before the End of the Year
Tax loss harvesting, charitable giving, RMDs and more. What should you be talking about with your financial advisor before December 31st? 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.
Tuning out the noise of financial news | Getting the help you deserve with your 401(k) | Gaining the confidence you won’t run out of money | What should your end of the year retirement meeting look like?
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? 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.
5 Ways to Plan for Long Term Care
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? 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.
5 ideas to protect your retirement money from recession | The 4% withdrawal rule does work, for so many reasons | How to avoid this 10,000 dollar a month event in retirement
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? 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 tax code has over 70 thousand pages! Do you know which ones to use for a better retirement?
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. 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 you have a great retirement without being a financial expert?
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? 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.
Tax free, taxable, tax deferred. What does it all mean?
Being diversified in your retirement portfolio means more than your investments. Can you diversify your taxes as well? 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 stock market went down 1000 points in a day. What happened? | Are cash and bonds a good place for safety? | Having the right mix in taxes | Should the election guide your financial decisions?
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? 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.
Medicare is a maze. How do you get started?
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? 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.
Understanding the Recent Market Drop and How You Should Respond
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? 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 Ways to Create Income in Retirement
A Princeton Professor found the three most common ways people develop income in retirement. Are you using one of 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.
Calming Your Financial Worries About Election Turmoil and Markets
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? 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 the election turmoil hurt your retirement? | Ideas on how to create your retirement paycheck | People in their 80s discuss how they would do retirement differently | The changes in retirement laws you need to know about
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. 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.
Signs You May Be Better Prepared for Retirement Than You Think
Not everyone has a million dollars saved for retirement. Yet 70% of retirees say they are doing just fine. How is that possible? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
How the Grilled Cheese Foundation is Helping Our Community
Charisse Rivers and the team at Zinnia Wealth Management are helping young people in our area with the Grilled Cheese Foundation. In this episode, Charisse talks about how it all got started and how you can get involved. Find out more about the Grilled Cheese Foundation at http://zinniawealth.com/grilled-cheese-foundation/ Like this episode? Hit that Follow button and never miss an episode! 💬 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 we on the verge of a market bubble burst? | Signs you may be better off than you think for retirement
On this week's show: Are the market nay-sayers onto something? Using dividend paying stocks. New Roth options to consider. The ups and downs of Target Date Funds. Don’t have a million? You can still have a great retirement. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Your Retirement Readiness Check List
There are more people turning 65 this year than any year in history. That age kicks in some preparations you’ll need to make for retirement. Charisse walks you through Medicare, Social Security, Income, Tax, and estate planning and more. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Our Government is thinking about eliminating the 401(k)!
The 401(k) is probably the primary way people save for retirement. Yet some say it is outdated and, in some cases, unfair. Why? And if we didn’t have it, how would we save for retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Pensions: Is taking lump sum the right call?
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. 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.
Navigating the Maze of Financial Fees in Retirement
Hidden fees are prevalent in many industries, but none more so for retirees and pre-retirees than in the financial services industry. Charisse Rivers of Zinnia Wealth Management discusses the impact of fees on your retirement accounts and the importance of understanding and managing them effectively through retirement planning.See omnystudio.com/listener for privacy information.
Importance of Income Planning in Retirement | Uncovering Hidden Fees | Pensions: Is taking lump sum a good idea? | Why is Uncle Sam rooting on your 401(k)?
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? 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.
In Retirement Planning, Seeing is Believing
You may think you can’t retire, but how would you know unless you do the math? At Zinnia Wealth, we think “seeing is believing.” Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
What is “sell in May and go away mean?” | Will Social Security sink like the Titanic? | Understanding your investment speed limit
On this week's show: Is it wise to take the summer off from your investments? How doing the math on your retirement can make it real. Could Social Security actually go away? They say speed kills. Can too much risk do the same thing? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Should you buy gold at the same place you buy your mayonnaise?
Costco is selling 200 million dollars in gold bars per month. Is this a good hedge if the market goes down? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
When your advisor says, “This too shall pass.” | Should you buy gold? | What is your “side hustle” for income in retirement? | When your portfolio needs a good scrubbing
On this week's show: How do we avoid the advisor conversation of “Hang in there, it will come back.” The pros and cons of buying gold. If Social Security and your 401(k) are your main sources of retirement income, where do you look next? Time to get the Windex and rubber gloves out. What do we find when your portfolio gets a good scrubbing? Like this episode? Hit that Follow button and never miss 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 Motley Fool says these are 4 good reasons to take Social Security at 62
Social Security: The longer you wait, the bigger your check. But most people take it right away at 62. The Motley Fool gives 4 reasons why you might consider taking your benefit early. Does Charisse agree?See omnystudio.com/listener for privacy information.
Is this a good time to buy stocks? | They have found the world’s oldest living man | What is job #1 in retirement planning? | Good reasons to take Social Security early
On this week's show: Do you buy, sell, or sit tight in this market? We found the poster child for making your money last. Figuring out your paycheck in retirement. Why not take Social Security at 62? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
The Problem With: I’ll Just Work Forever and Never Retire
The largest growing segment in the workforce is now people over the age of 75. But does that mean you should keep working? What if you don’t have to and you don’t even know it? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
How some financial advisors are failing retirees | You may be shocked at what age is considered early retirement | A 401(k) plan is not a retirement plan | A strategy where you can save less and get more
On this week's show: There are things that you need in retirement that many financial advisors are not providing. Is 61 considered early retirement? Find out the average age when most people retire. Your 401(k) is an important piece of your retirement plan, but it comes up short in many ways Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Your 401(k) Plan is NOT a Retirement Plan
Most people have a 401(k). But that is only one piece of a retirement. A full plan involves plans for investments, Social Security, taxes, estate and more. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.