Retirement Coffee Talk

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.

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.

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.

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.

Financial advisor, Investment advisor, CFP, Wealth Manager…it goes on and on. How do you know which one is right for you?See omnystudio.com/listener for privacy information.

The 60% stocks and 40% bonds model crashed last year. The Wall Street Journal has a new idea, Charisse isn’t convinced.See omnystudio.com/listener for privacy information.

Can you look at these market losses and say, “I choose NOT to participate.” Approaching retirement when you and your spouse have a big age gap. If the 60/40 portfolio is out, what’s better? How do you choose the right type of advisor for your needs? See omnystudio.com/listener for privacy information.

No one likes to lose money. That becomes a much more serious conversation right before you retire.See omnystudio.com/listener for privacy information.

How can you stop the losses from this current stock market? How is Zinnia wealth different from other financial advisory firms? An example of an advisor that just isn’t listening. See omnystudio.com/listener for privacy information.

Over the last 10 years, most retirement plans were built on an inflation rate of 2 to 3%. If you don’t have increasing income built in, a year like 2022 can be a problem.See omnystudio.com/listener for privacy information.

We may be stuck with high inflation for years: What adjustments need to be made in your planning? New rules about IRAs, 401(k)s and RMDs. Facing retirement as a single. How you can help your kids and grandchildren with legacy planning. See omnystudio.com/listener for privacy information.

Congratulations! You’ve saved $1 million for retirement. Now how long will it last? According to CNBC, there is more than one major factor that affects that outcome. See omnystudio.com/listener for privacy information.

Is the market reading the Fed correctly? Congress changed more retirement rules and you need to be in the know. How often should you be making changes to your retirement accounts? How long will one million dollars last in Florida? 401(k) fees: how much are you paying and what can you do about it? See omnystudio.com/listener for privacy information.

2022 was a tough year for the stock market and probably your retirement accounts. What do you do to preserve money in a volatile market and take advantage of some new opportunities?See omnystudio.com/listener for privacy information.

A look back at 2022. A look forward into 2023. What Congress did to retirement accounts while you were on vacation. Will the 60/40 portfolio make a comeback in 2023? See omnystudio.com/listener for privacy information.

You know how to save your money. But do you know how to spend it in retirement? Are employers now more open to phased retirement? How much do you have to save to develop $50k a year in retirement? Why do people use the swings of the stock market to determine their income? How making brownies gave Charisse and her kids a lesson in inflation. Learning investment “portion control” at McDonalds. See omnystudio.com/listener for privacy information.

Pulling your money back and forth between cash and equities and trying to time the market seldom works. What about a long-term strategy for market risk that you can stick with?See omnystudio.com/listener for privacy information.