Retirement Coffee Talk

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? See omnystudio.com/listener for privacy information.

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.” 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! 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. See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

Charisse Rivers of Zinnia Wealth Management talks about one of the most asked questions about retirement, "When should I take Social Security?" 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! 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 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. See omnystudio.com/listener for privacy information.

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. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! 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. See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube! 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. See omnystudio.com/listener for privacy information.

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! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube 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. See omnystudio.com/listener for privacy information.

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. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTubeSee omnystudio.com/listener for privacy information.

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. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

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! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

This week Charisse handles your questions about how your Social Security could be taxed, the pros and cons of CDs and Annuities. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

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? 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

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. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

You can email us a question any time at [email protected]. This week we handle questions our listeners have about annuities. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

In this episode of the Retirement Coffee Talk podcast, Charisse Rivers tackles the topic of Social Security and addresses the prevalence of online misinformation surrounding it. She explores a common question about spousal benefits and clarifies the correct information, debunking a popular misconception. Charisse emphasizes the importance of seeking reliable advice and highlights the need for a comprehensive retirement plan that considers multiple strategies. Additionally, she introduces a groundbreaking tool, the Social Security Risk Score, developed by David Dooley, founder of the score, to assess the potential risks to one's Social Security benefits. Tune in to learn how to navigate the complex landscape of Social Security and secure a stable retirement income. Visit zinniawealth.com to schedule a free appointment and gain further insights into retirement planning. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

Join Charisse Rivers and Zinnia Wealth Online on the Retirement Coffee Talk podcast as they discuss the significance of getting a second opinion review for your retirement plan. In this episode, they delve into the reasons why it's crucial to reevaluate your financial advisor's strategies and explore new possibilities for your retirement portfolio. Whether you already have an existing plan or are starting from scratch, discover the key insights and expert advice that can help you retire with confidence. Visit zinniawealth.com to schedule your complimentary retirement review today. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

Join Charisse Rivers of Zinnia Wealth for an enlightening episode of Retirement Coffee Talk. In this episode, we delve into the wisdom of Warren Buffett, the legendary investor and CEO of Berkshire Hathaway. Discover the secrets behind Buffett's remarkable success over nearly six decades and his philosophy of making a few crucial decisions that shape long-term prosperity. We discuss the importance of having a written retirement plan and the role it plays in securing your financial future. Learn how a personalized plan can help you navigate uncertain economic times, inflation, and market fluctuations. Explore the significance of having a financial planner as your trusted guide, just like Dwayne Johnson relies on his managers for expert advice. Tune in for valuable insights and actionable steps to get your retirement on the right track. Visit zinniawealth.com to connect with us and learn more about retirement planning. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

Charisse Rivers of Zinnia Wealth discusses missteps people make with Social Security. Taking it at the wrong time and working while collecting their benefit. 💬 Engage, Share, and Learn with Charisse and her team at Zinnia Wealth Management: Facebook Instagram LinkedIn YouTube See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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? See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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). See omnystudio.com/listener for privacy information.

Using your tax refund to lower your taxes in retirement. Are you a good candidate to move money from your IRA to a Roth?See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

New laws and new ideas to limit your tax bill in retirement.See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

Some things make psychological sense, some things make financial sense. Weighing out the idea of being mortgage-free in retirement. See omnystudio.com/listener for privacy information.

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? See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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? See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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? See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

Over 90% of financial advisors leave the business in 3 years. Why Zinnia Wealth continues to thrive and stand the test of time.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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! See omnystudio.com/listener for privacy information.

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?See omnystudio.com/listener for privacy information.

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? See omnystudio.com/listener for privacy information.