Retirement Coffee Talk

We have discovered that there are a lot of life and financial planning lessons in the game of Monopoly.See omnystudio.com/listener for privacy information.

One survey found only 4 in 10 people know how much income they will need each month in retirement. You don’t have a plan without this number!See omnystudio.com/listener for privacy information.

Suze Orman says the "60-40" portfolio is dead. Charisse looks at that and other outdated financial strategies.See omnystudio.com/listener for privacy information.

A new survey looked at people who retired from 1992 to 2014 and found almost 50% of respondents had to dial back their lifestyle and spending because they didn’t have enough income. What happened?See omnystudio.com/listener for privacy information.

Have you ever wondered if your financial plan is missing something or out of date? If so, it’s time to test your retirement.See omnystudio.com/listener for privacy information.

The market giveth and it taketh away. But what if that happens at exactly the WRONG time?See omnystudio.com/listener for privacy information.

There are plenty of headwinds for the market and the economy to move through on the way to recovery. Can you risk your retirement money that it will all turn out rosy?See omnystudio.com/listener for privacy information.

We found a Covid-19 patient who would be swimming in debt without Medicare. What does it cost? How does it work? You need to know.See omnystudio.com/listener for privacy information.

Social Security admits (unless something is done) in 2036 they will not be able to pay 100% of their promised benefits. Has Covid-19 moved that timeline up?See omnystudio.com/listener for privacy information.

We may be headed for a recession, so how do you protect your retirement money?See omnystudio.com/listener for privacy information.

Market history claims an average of 7% growth per year. So how is that working out in 2020 if you are taking income? How do you plan for all these scenarios over a 20 or 30-year retirement?See omnystudio.com/listener for privacy information.

Income planning is one of the foundational parts of retirement planning. Charisse looks at some of the good and the bad of annuities.See omnystudio.com/listener for privacy information.

Even if you created a financial plan just 6 months ago, the current financial crisis may mean you’ll have to re-think some of your strategies.See omnystudio.com/listener for privacy information.

The volatility continues, on Wall Street. Why? Plus, is your financial advisor earning their money right now?See omnystudio.com/listener for privacy information.

Putting money in the market for retirement comes with some risk, but when you start drawing that money out to live on it puts you into a whole new risk category.See omnystudio.com/listener for privacy information.

There are large numbers of people that are doing nothing right now with their money. Is that a good strategy? If you do take action, what do you do?See omnystudio.com/listener for privacy information.

The headlines and talking heads are pretty bleak right now. How do you get past that with a positive attitude and make positive financial moves for your future?See omnystudio.com/listener for privacy information.

Market events like this tend to paralyze us. What can you do?See omnystudio.com/listener for privacy information.

The market roller coaster continues. What are your options?See omnystudio.com/listener for privacy information.

The Corona Virus, Super Tuesday, A Fed rate cut and daily swings of hundreds of points. Should you be on this market roller coaster?See omnystudio.com/listener for privacy information.

The Corona Virus shows up on Wall Street with some of the worst numbers in 2 years. How do you react as a retirement saver?See omnystudio.com/listener for privacy information.

There are unknown and unseen forces eating away at your retirement wealth. Charisse talks about finding and fixing them.See omnystudio.com/listener for privacy information.

We brought in an article this week that says a good financial advisor goes “Beyond the Basics.” What are the basics, and what should we expect beyond that?See omnystudio.com/listener for privacy information.

Does taking 4% of your money still insure that you won’t run out of money in retirement? Maybe it’s time to take a fresh look at the retirement “Rules of Thumb”?See omnystudio.com/listener for privacy information.

The financial industry likes to get you a 10-year history of mutual funds, stocks, bonds, and portfolios. Charisse explains why that is not working anymore.See omnystudio.com/listener for privacy information.

Recently Charisse sat down with the new coach of the Tampa Bay Buccaneers, Bruce Arians and his wife Chris. They talked about their charitable work and the Bucs.See omnystudio.com/listener for privacy information.

Many people believe they’ll pay fewer taxes in retirement. There are new studies to show that may not be true.See omnystudio.com/listener for privacy information.

Former UF Quarterback Tim Tebow is having a worldwide impact with his charity work. Charisse sat down with him to find out about his great work and how we can help.See omnystudio.com/listener for privacy information.

The Secure Act was approved at the very end of 2019. We discuss what it means for your retirement planning.See omnystudio.com/listener for privacy information.

A study found that of all the services women use, they are most dissatisfied with financial services. Why is that and how can we do better?See omnystudio.com/listener for privacy information.

There’s a study that says ONE THIRD of your spending in retirement will related taxes! Do you have a plan for that?See omnystudio.com/listener for privacy information.

Both Congress and the IRS have some new ideas on how to treat your 401k in retirement. Plus help with your Social Security decision.See omnystudio.com/listener for privacy information.

Do you remember your very first paycheck? It was exciting to tear it open to see what all your hard work had accomplished. But there was another surprise waiting for you, and it should teach us a life-long lesson.See omnystudio.com/listener for privacy information.

Charisse participated in a charity golf outing and was able to interview Florida Football Legends Steve Spurrier and Danny Wuerffel…with a little financial wisdom sprinkled in.See omnystudio.com/listener for privacy information.

On today’s podcast, we learn an important financial lesson from the highest paid woman on TV. Can you guess who it is?See omnystudio.com/listener for privacy information.

When people come into Zinnia Wealth, what are the most common problems they are looking to solve?See omnystudio.com/listener for privacy information.

It’s the anniversary of one of the single worst days in stock market history. Could it happen again? Can you guard your retirement money from it?See omnystudio.com/listener for privacy information.

If the economy and the stock market go into recession, does your retirement account have to as well? Find out how to “opt out” of the next market decline.See omnystudio.com/listener for privacy information.

Social Security and your 401k may not be enough. How do you build more paychecks in retirement?See omnystudio.com/listener for privacy information.

With the interest rate going down where do you go for return? Is pushing more toward risk based money the answer?See omnystudio.com/listener for privacy information.

There is a lot to consider when it comes time for Medicare. Charisse guides you through some of the basics.See omnystudio.com/listener for privacy information.

Recently Charisse participated in a 36-hour endurance challenge in the mountains of Utah. What she learned about herself, and how it applies to preparing for retirement.See omnystudio.com/listener for privacy information.

At a recent charity golf tournament Charisse had the chance to talk to the Gators new Head Football Coach, Dan Mullin.See omnystudio.com/listener for privacy information.

This week on Facebook, a young man learned a hard financial life lesson through the game of Monopoly.See omnystudio.com/listener for privacy information.

The Dow has seen a lot of down days recently and that may be affecting your retirement accounts. Do you dismiss it or take action?See omnystudio.com/listener for privacy information.

What happens when you sit down with a financial advisor? Is it a long process? Do you need to bring a lot of papers and questions? What should you expect?See omnystudio.com/listener for privacy information.

Have you used the new Facebook app that can age your picture 20 years? Not a good look for many of us, but it is actually helping people think about financial planning.See omnystudio.com/listener for privacy information.

This month marks the 25th anniversary of the movie Forrest Gump. What important financial wisdom can we learn from Forrest?See omnystudio.com/listener for privacy information.

A survey was done that found even people with financial help still worry about running out of money. Is there a solution?See omnystudio.com/listener for privacy information.

Why would the Fed signal a rate cut in the near future? Should that signal to you it’s time to change your investment strategy?See omnystudio.com/listener for privacy information.