Charisse Rivers is the founder and president of Zinnia Wealth Management in Ocala, Florida. Her passion is to help families grow and protect their wealth and guide them to and through retirement. “Retirement Coffee Talk” is a fun and informative look at the financial issues of the day and how they a…
On this episode: Should you tinker with your risk profile as the headlines change? There are two new ideas on saving Social Security. Will they work? Like this episode? Hit that Follow button and never miss an episode!
There are all sorts of headlines telling us we need to have 1.8 million dollars to retire. That is turning out not to be true. Like this episode? Hit that Follow button and never miss an episode!
On this episode: 70% of retirees say retirement is better than they thought…and very few of these people have over a million dollars. The laws on 401(k)s are changing next year. Like this episode? Hit that Follow button and never miss an episode!
We found someone who works on his investments 5 hours every day. Is that the kind of retirement you want? What are the pros and cons of being a retirement DIYer? Like this episode? Hit that Follow button and never miss an episode!
On this episode: This isn’t our first Government shutdown. What does history tell us? Inflation is now number 2 on the concern list for retirees. Should it be? How will your spending go over a 20 year retirement? Like this episode? Hit that Follow button and never miss an episode!
Charisse Rivers established the Grilled Cheese Foundation to help local children with school supplies, after school activity needs and even college tuition. Here she talks about their Casino Night fund raiser on October 10th at the Ocala Country Club. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Breaking free of the market dictating your retirement lifestyle. Saying “Uncle” won’t release the headlock on your 401(k). Dividend-paying stocks are seeing record numbers. What we can learn about retirement planning from a rabbit. Like this episode? Hit that Follow button and never miss an episode!
The Grilled Cheese Foundation is a 501C3 created by Charisse Rivers and the team at Zinnia Wealth. It’s designed to help young people with school supplies, equipment for sports and other after-school activities, and even scholarships for college. We invite you to our fundraiser "Casino Night" on October 10th from 7 to 10pm at the Country Club of Ocala. https://www.instagram.com/p/DPD7AvijtWl/ Like this episode? Hit that Follow button and never miss an episode!
We go through the Kiplinger "Five Golden Rules of Retirement Planning", including knowing your “L”s. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Should you care about interest rates? Should you follow the billionaire’s retirement advice? The Medicare window opens soon. What do you need to know? What should you be discussing at your year-end retirement review meeting? Like this episode? Hit that Follow button and never miss an episode!
If you start to Google "retirement", you will see a lot of "rules of thumb". We list seven of them that may not apply anymore. Like this episode? Hit that Follow button and never miss an episode!
On this episode: You may have saved well and feel ready to retire. Are you missing something? Some longtime retirement rules that you can trash. IPOs, Bitcoin, and Private Equity may start showing up in your 401(k). Should you be a buyer or a seller? Like this episode? Hit that Follow button and never miss an episode!
Charisse dives into the upcoming Medicare window, opening October 15, discussing the potential rise in premiums and the importance of evaluating your current plans. Learn about the differences between Medicare Advantage and Medicare Supplement plans, and get practical advice on how to make the best choices for your health and finances. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Only 3% of people have saved $1 Million for retirement, meaning a lot of people are retiring successfully on less. The different aspects of inheriting a house, a stock, a 401(k), or cash. What do you need to know? If you’re on Medicare, October is decision time. Like this episode? Hit that Follow button and never miss an episode!
Vanguard is looking 5 to 10 years into the future and seeing bad things for the stock market. Should you pull way back on risk? Like this episode? Hit that Follow button and never miss an episode!
A warning to pull back on risk in the market. Too many fees and too little performance. Does that describe your 401(k)? A new retirement risk to look out for. Like this episode? Hit that Follow button and never miss an episode!
On this episode: An old financial practice is making a comeback. What are the benefits of converting IRA money to Roth? Retirees aren't buying into financial "rules of thumb" anymore. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Warren Buffett is pulling back from the stock market. Should you? We all need a place for our stuff. Is all your financial stuff in the right place? Are you ready to retire? First ask yourself THIS. Like this episode? Hit that Follow button and never miss an episode!
Where do you turn when a family member is showing signs of memory loss or in the last stages of life. We talk to Jonathon Fleece of Empath Health. Like this episode? Hit that Follow button and never miss an episode!
Taxes may be one of the biggest surprises in retirement. The time to develop a plan is BEFORE you retire. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Many market timers are kicking themselves right now. Are you one of them? Do you really have to slog through a few more years on the job? Maybe you can retire now. They aren’t the 7 deadly sins, but they are the 7 places NOT to put your retirement money. Like this episode? Hit that Follow button and never miss an episode!
Everyone has an opinion where to put your money. We have a list of places to avoid. Like this episode? Hit that Follow button and never miss an episode!
On this episode: The fear of running out of money is resulting in people not enjoying their retirement. Picking your retirement date. Is there a perfect month? A new trend among baby boomers for estate planning. Like this episode? Hit that Follow button and never miss an episode!
Many seniors are getting into their 70s and getting slapped with big tax bills. What is happening and how can you avoid it? Like this episode? Hit that Follow button and never miss an episode!
On this episode: Only 25% of people use a financial advisor. What are their reasons for going it on their own? 72% of seniors wish they could go back in time and fix this tax problem. When people pick their financial advisor, what are the main things they are looking for? Like this episode? Hit that Follow button and never miss an episode!
Charisse explores what may be the most important factor for you to have the retirement you’re dreaming of. Like this episode? Hit that Follow button and never miss an episode!
There are a record number of people turning 65 this year and they are wondering if they are ready to retire. Charisse goes through her list to give you the green light. Like this episode? Hit that Follow button and never miss an episode!
When you come in for your Portfolio X-Ray, we’ll dive into the risk you are taking, your performance, your tax liability, and more. But today we discuss what might be the most eye-opening moment of our analysis. Like this episode? Hit that Follow button and never miss an episode!
Taxes, Social Security, and Healthcare. The laws keep changing. What do you need to know about the Big Beautiful Bill? Like this episode? Hit that Follow button and never miss an episode!
The fear of running out of money is real, and it has created another new problem in retirement. Like this episode? Hit that Follow button and never miss an episode!
On this episode: TINA is back! People believe There Is No Alternative to the stock market. Are they correct? You may not spend too much or run out of money in retirement. But you may make this easy mistake. 4 trillion dollars are sitting in these 401(k) accounts, and they may not be doing what they promised. Like this episode? Hit that Follow button and never miss an episode!
The CBS Morning Show is following people getting ready for retirement. After the April market pull back, they visited with one couple from Boston who were feeling the pain of losing market money and wondering if they can get away from the ups and downs of the stock market. Like this episode? Hit that Follow button and never miss an episode!
Charisse and her daughter Ella have fun with Dog Bite Awareness month. How big and bad is the dog after your retirement money? Like this episode? Hit that Follow button and never miss an episode!
The number of people that have over a million dollars saved for retirement is shockingly low. Are your retirement concerns and planning that much different than a millionaire? Like this episode? Hit that Follow button and never miss an episode!
On this episode: If the up and down of the stock market bothers you, ask yourself THIS question. The number “they say” we need for retirement keeps going up. How many people are actually getting there? Who is the rottweiler of retirement? Like this episode? Hit that Follow button and never miss an episode!
In the same way you don’t want to pack dangerous items in your luggage when you get on a plane…you don’t want a fire starter in your retirement plan. What do we need to look out for? Like this episode? Hit that Follow button and never miss an episode!
On this episode: What are the biggest advantages of using a financial advisor? The Roth is one of the best retirement planning vehicles. What if they change it? How long will your money last with a conservative approach? Like this episode? Hit that Follow button and never miss an episode!
You need growth on your retirement money, but how much? Like this episode? Hit that Follow button and never miss an episode!
On this episode: The fear of running out of money is resulting in people not enjoying their retirement. Picking your retirement date. Is there a perfect month? A new trend among baby boomers for estate planning. Like this episode? Hit that Follow button and never miss an episode!
You may have heard your 401(k) or IRA referred to as “A Tax Time Bomb.” We found one 90-year-old who is experiencing it and we discuss ways to avoid it. Like this episode? Hit that Follow button and never miss an episode!
On this episode: For the first time in memory, the number you need for retirement has dropped! Why? This 90-year-old missed a simple tax move that is now costing him thousands. Many of the people who spend more in retirement have this in common. Like this episode? Hit that Follow button and never miss an episode!
We go through some of the mistakes people make when moving money from an IRA or 401(k) to a Roth. We also share a story of a 90-year-old who choose not to do conversions and is now in a tax nightmare. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Should you be building up your cash reserves? The MVP of your Retirement plan. Things to watch out for in an IRA-to-Roth rollover. Like this episode? Hit that Follow button and never miss an episode!
We may not have a saving problem; we may have a SPENDING problem. Let’s give you the confidence to spend MORE! Like this episode? Hit that Follow button and never miss an episode!
Many people get to retirement saying…I wish I had done this. Like this episode? Hit that Follow button and never miss an episode!
How do the odds of success compare: Vegas or the stock market? You may be surprised. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Most of us want to retire and most of us want to STAY retired. Why are people going back to work in their 70s? Diving into your 401(k). What might be holding you back? One retirement strategy to grab onto with both hands. Like this episode? Hit that Follow button and never miss an episode!
Each year, Bill Murray and his brothers sponsor a golf tournament in St. Augustine. We’ve been able to sit down with them for a lot of fun interviews. This time we asked a simple question about life’s little irritations, and got some great retirement advice. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Some say we’re on the verge of a recession, some say otherwise. Is your portfolio ready for whatever the Market does next? What is a riskier proposition: Gambling in Vegas or being heavily invested in the Stock Market? Is Your Retirement Plan Ready for Long-Term Care Challenges? Bill Murray doesn't care for this particular fee. See omnystudio.com/listener for privacy information.
We may not have a saving problem; we may have a SPENDING problem. Let’s give you the confidence to spend MORE! Like this episode? Hit that Follow button and never miss an episode!
On this week's episode: Have the markets hit their low point? Are you moving money or riding this out? Death by 1,000 financial cuts. Like this episode? Hit that Follow button and never miss an episode!
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