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: What do turkey-flavored Oreos have in common with financial products that aren’t what they seem? Are your retirement funds hiding surprises? Uncover the overlooked pitfalls of target date funds. Is generosity now a threat to your own retirement security? Is wiping out all your debt before retirement a smart move—or a costly mistake? Like this episode? Hit that Follow button and never miss an episode!
Movie stars and music artists get “royalties” for their past work. Can you do the same in retirement? Like this episode? Hit that Follow button and never miss an episode!
On this episode: Vanguard is offering a Target Date Fund with an annuity option. What could go wrong? Turns out, retirees want more stability than the stock market provides. If you DIY your retirement plan, what are the dangers? Like this episode? Hit that Follow button and never miss an episode!
There are currently record numbers of dividend paying stocks being purchased. Why? Is it something you should look into? Like this episode? Hit that Follow button and never miss an episode!
Being debt free would be great going into retirement…but will you hurt your retirement prospects by doing it? We discuss good debt and bad debt and how to make those decisions. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Why is retirement so complicated? In down years in the stock market, does that mean you should cut back on your lifestyle? Without some planning and discussion, your 401(k) could be a tax trap. Like this episode? Hit that Follow button and never miss an episode!
On this episode: The “Tiny Dings” that could become bigger financial problems. A strange disconnect between financial advisors and their clients. Don’t be generous but foolish with your inheritance. Avoiding the “debt free” temptation. Like this episode? Hit that Follow button and never miss an episode!
Your 401(k) may be your biggest retirement asset. What are your options on how best to use it? Like this episode? Hit that Follow button and never miss an episode!
Join Charisse for a heartfelt discussion with Jonathon Fleece, President and CEO of Empath Health, as they explore gentle ways to support loved ones experiencing memory loss or other cognitive issues. Jonathon shares insights on navigating care options, finding comfort, and embracing empathy during life’s most challenging moments. Whether you’re a retiree or caring for a family member, this episode offers reassurance, practical advice, and hope for your journey. Like this episode? Hit that Follow button and never miss an episode!
There are some ideas that look good on paper, but don’t turn out that way in real life. There are plenty of financial products that fit that bill and you should know about them. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Sometimes the marketing is better than the product. Leaving your IRA in cash after a rollover. Should I use MY plan or Uncle Sam’s plan for my RMDs? Like this episode? Hit that Follow button and never miss an episode!
There are rules we should follow in life. There are rules we might want to break in retirement. We found one with your 401(k)s and IRAs. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Unspent money = unrealized memories. Most of us go right along with Uncle Sam’s plan for your IRA. Why? What to do with your biggest retirement asset. Like this episode? Hit that Follow button and never miss an episode!
The new Dodgers phenom has structured his pay using deferral. Can you do the same in retirement? Like this episode? Hit that Follow button and never miss an episode!
On this episode: Retiring into a down market. Are you ready? Uncle Sam says you have to take IRA money at 73. What are your options? Like this episode? Hit that Follow button and never miss an episode!
Your 401(k) is going to take some thought and effort in retirement. Do you rollover to a personal IRA? What is an RMD and what do you need to know? Am I headed for a tax problem? Let’s get you the answers. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Want to know how much to save? Look at how people spend in retirement. One long retirement rule says if you only spend 4% of your retirement money per year, you’ll never run out. Is it true? People will many times leave their financial advisor when THIS happens. Like this episode? Hit that Follow button and never miss an episode!
The tech stocks have been holding up the stock market and perhaps your retirement accounts. We found another category that may be holding you back. Like this episode? Hit that Follow button and never miss an episode!
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!
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