Retirement Coffee Talk

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.

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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.

Stop market timing! Have a long-term strategy for market risk. How do develop mailbox money? Making sense of your 401(k) options. Should I use an on-line bank for better interest rates? See omnystudio.com/listener for privacy information.

One of the reasons people leave their financial advisor is not due to lack of investment performance, it’s due to lack of relationship. How often should you expect to meet with your advisor?See omnystudio.com/listener for privacy information.

What happens if your job ends a few years before retirement? How are you supposed to feel about annuities if many advisors can’t agree on them? How often should you expect to meet with your financial advisor? Another scary pension statistic. See omnystudio.com/listener for privacy information.

One of the hardest things for some people in retirement is learning to spend their money and enjoy their life without the fear of running out of money. How can you spend with confidence?See omnystudio.com/listener for privacy information.

Do you take all the recession talk seriously and change your investment strategy? What is tax loss harvesting? How do you spend with confidence in retirement? Are employers more open to phased retirement? The biggest concern of retirees after “will I run out of money?".See omnystudio.com/listener for privacy information.

The IRS has changed the standard deductions, retirement contribution levels, gifting and more for 2023. We go through the highlights and have a new guide that outlines it all.See omnystudio.com/listener for privacy information.

How are interest rates pointing to a recession next year? The IRS has new laws for 2023 about taxes and retirement contributions. How much do you have to save to develop $50k a year in retirement?See omnystudio.com/listener for privacy information.

We work hard to create as much retirement income as possible, but with that comes a tax bill. Can you find a balance?See omnystudio.com/listener for privacy information.

What does it mean to have a defensive strategy? Have we found the bottom? Don’t be fooled by a bear market rally. Why do people use the swings of the stock market to determine their income? More income, more taxes. Can you get around it? The IRS is changing a lot for 2023.See omnystudio.com/listener for privacy information.

Is there a better way than trying to time the recession and this market? With interest rates going up, is there a better place for your cash? There are over 3 trillion dollars in Target Date Funds. Is it a good place for your 401(k) money? A possible bond replacement for retirement. See omnystudio.com/listener for privacy information.

With the Country Music Awards coming up, Charisse took a trip to Nashville and was able to sit down with Jason Aldean.See omnystudio.com/listener for privacy information.

When you are taking money from accounts that are dropping in value, it can alter your future retirement outcome. How do you control what you can’t control?See omnystudio.com/listener for privacy information.

Adjusting your portfolio if inflation stays high. Taking money out of an account that is dropping. Can you retire successfully on 3 to 5% growth? When am I a good candidate to convert my IRA money over to a Roth. Learning investment “portion control” at McDonalds. See omnystudio.com/listener for privacy information.

Credit card and mortgage rates are up, but the rates on bank CDs remain dismal. Can you survive in retirement on 2% growth?See omnystudio.com/listener for privacy information.

Rates at the bank are getting better, but is it enough? At what point do your cash holdings work against you? Is Bitcoin a good idea in your 401(k)? There are so many kinds of annuities. Is a variable annuity a good option?See omnystudio.com/listener for privacy information.

The Medicare window opens in October where you can decide to keep your current plan or switch to something different. When is the right time to switch?See omnystudio.com/listener for privacy information.

There are a lot of opinions about the markets and economy. Who do we believe? Medicare can be a tangled mess. How do you know when it’s right to switch plans? There are CPAs, stockbrokers, investment advisors, retirement planners, insurance agents, and more. How do you choose? See omnystudio.com/listener for privacy information.

Hurricanes are part of living in Florida. We build our houses with that in mind. We watch the weather and do our preparations. The Stock Market may be signaling hurricane. If you are getting close to retirement, are you preparing to limit the damage?See omnystudio.com/listener for privacy information.

You protect your property before a hurricane, but are you protecting your retirement accounts for what might be a financial hurricane? A global survey found these are the five things’ people get wrong as they get ready for retirement. What is tax loss harvesting and why is this a good year to look into it?See omnystudio.com/listener for privacy information.

We need a healthy balance in life between work and play. Your retirement money needs a healthy balance between risk and safety. That balance changes with age. What is the right balance for you?See omnystudio.com/listener for privacy information.