Retirement Coffee Talk
466 episodes — Page 9 of 10
Doing the math on your retirement
Studies show we are living longer and longer. How do you make the money last? Do the math!See omnystudio.com/listener for privacy information.
Congratulations! You’re a 401(k) millionaire!
The market is up and so are the people who have a million dollars in their 401(k). But do you really want your millionaire status to go up and down with the market?See omnystudio.com/listener for privacy information.
What can a Kit Kat Bar teach us about taxes?
The tax code is over 75 thousand pages. Can you believe there is something in there about Kit Kat Bars?See omnystudio.com/listener for privacy information.
Has the pandemic changed your questions about retirement?
We have all made a lot of changes in our lives due to the pandemic. Has it (or should it) change the way you plan for retirement?See omnystudio.com/listener for privacy information.
You want to start talking about retirement. What does that first meeting look like?
It’s time to see a financial advisor. What do you ask? What do you bring? What should you accomplish? Charisse talks about that first meeting at Zinnia Wealth.See omnystudio.com/listener for privacy information.
Can you trust where your advisors says "You're going to be ok"?
Many people come to an advisor wanting to know if their money will last. If your advisor says "yes", ask them what is it based on?See omnystudio.com/listener for privacy information.
Will politicians ruin the 401(k)?
Joe Biden wants to make a change to the 401(k), and it may not be for the better.See omnystudio.com/listener for privacy information.
You lost your job. What about your 401(k)?
We are in a second wave of layoffs due to the pandemic. Before you dip into that 401(k), know your options.See omnystudio.com/listener for privacy information.
Should the upcoming election change your financial strategy?
Warren Buffett said "Don't mix your politics with your investing". Is this the year to break that rule?See omnystudio.com/listener for privacy information.
Is there a time when "greed is good"?
The movie line was "Greed is good". When you get closer to retirement, it may be time to be "greedy" and grab some profit for your future.See omnystudio.com/listener for privacy information.
Should the election affect your investments?
What happens to the market and the tax landscape after the election? Is there something you should be doing now to protect your money?See omnystudio.com/listener for privacy information.
Medicare 101
The open enrollment window for Medicare starts Oct 15th. What do you need to know if this is your first experience with this or if you are considering a different advantage plan?See omnystudio.com/listener for privacy information.
Is Monopoly a game of luck or skill?
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.
You’ve got to DO THE MATH!
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.
Let’s “Do the Math” on your retirement
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.
Help! I’m running out of money.
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.
Why should you get a second opinion on your plan
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.
What happens if the market goes down right when I retire
The market giveth and it taketh away. But what if that happens at exactly the WRONG time?See omnystudio.com/listener for privacy information.
Will the market be too risky over the next 6 months?
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.
Everything you always wanted to know…about Medicare
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.
How the pandemic has hit Social Security
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.
How do you opt out of a recession with your retirement money?
We may be headed for a recession, so how do you protect your retirement money?See omnystudio.com/listener for privacy information.
Do you plan for the best or the worst?
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.
Oh my gosh, she said the “A” word!
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.
Is your financial plan suddenly out of date?
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 markets – One step forward, one step back
The volatility continues, on Wall Street. Why? Plus, is your financial advisor earning their money right now?See omnystudio.com/listener for privacy information.
Could you run out of money due to Sequence of return risk?
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.
Actionable steps to take with your money during this market pullback
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.
How are you handling all the negative news?
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.
Steps you can take right now to minimize losses
Market events like this tend to paralyze us. What can you do?See omnystudio.com/listener for privacy information.
Rattled by these wild market swings? It’s time to take action.
The market roller coaster continues. What are your options?See omnystudio.com/listener for privacy information.
Volatility is back on Wall Street. What is your move?
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.
A wild week on Wall Street with the Corona Virus
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.
Shining the light on what’s robbing your wealth
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.
Beyond the Basics
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.
Do the retirement rules of thumb still work?
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.
A 10 year look back is not enough
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.
Bruce & Chris Arians interview
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.
The Taxman is coming for you
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.
Tim Tebow Interview
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.
Congress approves huge changes to IRAs and 401ks
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.
Women are unhappy with the financial industry
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.
You need a tax savvy advisor
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.
Proposed changes to your 401k
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.
Financial lessons from Rachel on “Friends”
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.
Steve Spurrier & Danny Wuerfful Interviews
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.
Show me the Money!
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.
The biggest concerns of retirement planning
When people come into Zinnia Wealth, what are the most common problems they are looking to solve?See omnystudio.com/listener for privacy information.
Could Black Monday happen again?
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.
The danger of retiring in a down market
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.