Retirement Coffee Talk
482 episodes — Page 5 of 10
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.
Splurges that are worth it in retirement
Most of us have some big dreams for retirement. But what if that dream is a budget buster? We have 4 splurges that you won’t regret in your retirement years. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Avoiding big losses when the market turns negative | What is the average monthly spend in retirement? | Are you missing out on your share of 3.4 trillion dollars?
On this week's show: When the stock market starts to go negative, how do you avoid being victim of that downward momentum? Things that are worth spending money on. When the financial news has an agenda. 62, 66, 67, or 70? What is your Social Security strategy? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Four Options for How to Use Your 401(k)
Cash it out, roll it over, convert it. Your 401(k) has a number of options in retirement. What are the pros and cons of each one? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Tax Talk: IRAs, 401(k)s, and more
On this week's show: Your IRA: How does it help your tax picture and how many should you have? Is it possible to be TOO conservative with your investments? Is the recent market pullback a signal of recession? 4 options for your 401(k). The pros and cons of Medicare Advantage plans. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Ask Charisse: Being Smart About Taking Money Out of Your 401(k)
In our Ask Charisse segment, we talk about taking money out of your IRA or 401(k). Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Our response to: Retirement is stupid!
On this week's show: One conservative talk show host declared that "Retirement is Stupid". We have another viewpoint. You think airline baggage fees are bad? Take a closer look at the financial industry. Suzi Orman talks Social Security and capital gains, but her advice could point you toward trouble. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Let’s dump the idea of working forever | Figuring out your Social Security strategy | Building your retirement paycheck | Warren Buffett’s 5/25 Rule
On this week's show: 92% of us are retired by age 75. Can we get you retired earlier? Answering your Social Security questions. You know your paycheck now, what is your paycheck in retirement? Warren Buffett wants you to make a list for retirement. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
No pension, no problem. Let’s build one!
Most of us love the idea of a monthly pension check in retirement. Yet few of us have one. If you don’t have an employer pension, have you discussed a personal pension? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!See omnystudio.com/listener for privacy information.
Should you plan retirement as an optimist or a pessimist?
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? 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 Government wants to eliminate the 401(k)!
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? 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.
Could this 401(k) idea change retirement?
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? 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 Tom Selleck
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. 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 401(k) getting any better?
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. 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.
2024 is the peak of baby boom retirement
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. 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 Hot Stove Lesson of Your 401(k)
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? 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 there a financial crisis coming?
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. See omnystudio.com/listener for privacy information.
Are you about to get a love letter from the IRS?
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.See omnystudio.com/listener for privacy information.
Helpful Tax Moves You May Not Know About
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. 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.
Four moves that can help you reduce your tax bill
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. 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 Burning Topics on Minds of Retirees
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? 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 financial stories of 2023 unfold in 2024?
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. 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.