Retirement Coffee Talk

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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…

Charisse Rivers


    • Jun 21, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 20m AVG DURATION
    • 364 EPISODES


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    Latest episodes from Retirement Coffee Talk

    75% of People in Retirement Do Their Own Planning. What Are the Most Common Misses? | What If They Change the Laws on the Roth? | How Long Will Your Money Last in Retirement? You Might Be Surprised

    Play Episode Listen Later Jun 21, 2025 51:55


    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!

    If I'm in Retirement for 25 years, Why am I NOT a Long-Term Investor?

    Play Episode Listen Later Jun 17, 2025 10:24


    You need growth on your retirement money, but how much? Like this episode? Hit that Follow button and never miss an episode!

    The Latest Retirement Problem: People Are Scared to Spend | Is One Month Better to Retire Than Another? | What is Your “Cash on the Sidelines Fund” Used For?

    Play Episode Listen Later Jun 14, 2025 49:02


    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!

    Reasons to Consider an IRA-to-Roth Conversion

    Play Episode Listen Later Jun 10, 2025 11:51


    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!

    The Magic Savings Number for Retirement Has Dropped! | A 90-Year-Old Runs into a Huge Tax Problem! | Studies Show if You Do THIS, You Will Have More to Spend in Retirement

    Play Episode Listen Later Jun 7, 2025 49:46


    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!

    IRA Conversion Alert

    Play Episode Listen Later Jun 3, 2025 17:22


    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!

    Will Falling Interest Rates Affect Your Retirement? | Does the 'Warren Buffett Way' Still Work? | The #1 Thing People Want from Their Retirement Plan

    Play Episode Listen Later May 31, 2025 48:30


    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!

    Are You Spending Enough in Retirement?

    Play Episode Listen Later May 27, 2025 10:13


    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!

    Don't Miss This Essential Retirement Strategy

    Play Episode Listen Later May 24, 2025 12:16


    Many people get to retirement saying…I wish I had done this. Like this episode? Hit that Follow button and never miss an episode!

    Where Would You Rather Play: Vegas or the Stock Market?

    Play Episode Listen Later May 20, 2025 12:10


    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!

    Why are People Going Back to Work in Their 70s? | What May Be Holding Back Your 401(k) Performance | Deciding When to Start Your Social Security Check | The Greatest Gift the Government Has Given Us in Retirement Planning

    Play Episode Listen Later May 17, 2025 48:53


    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!

    Bill Murray and His Brothers with Retirement Advice

    Play Episode Listen Later May 13, 2025 10:08


    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!

    Are You Ready for the Market's Next Move? | Understanding RMDs | Vegas vs. The Market: Which has Better Odds? | Bill Murray Doesn't Like Fees

    Play Episode Listen Later May 10, 2025 50:25


    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.

    Get Off the Couch! Spend MORE in Retirement!

    Play Episode Listen Later May 6, 2025 13:56


    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!

    What is Your Retirement MVP?

    Play Episode Listen Later May 3, 2025 49:51


    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!

    How Do I Plan for Retirement When I Don't Know How Long I'm Going to Live?

    Play Episode Listen Later Apr 29, 2025 12:38


    When an advisor says we are going to plan a 30-year retirement, many people will say they’ll never live that long. What if you do? Like this episode? Hit that Follow button and never miss an episode!

    How to Keep Calm in Financial Turbulence | Should Gold Be Part of Your Retirement Plan? | Do you have a plan for generating income during market downturns? | Are you ready to tackle retirement taxes?

    Play Episode Listen Later Apr 26, 2025 50:44


    On this week's episode: Are you prepared for market ups and downs in your retirement? Gold: A Safe Bet or Risky Gamble? Why You Might Pay More Taxes in Retirement Retirement isn't just about finances; it's about creating lasting memories and joy. Like this episode? Hit that Follow button and never miss an episode!

    Is It Possible to Live Solely on Dividend Income During Retirement?

    Play Episode Listen Later Apr 22, 2025 9:24


    Trying to pull all your income from one place is possible, but before you try it, ask yourself THIS question. Like this episode? Hit that Follow button and never miss an episode!

    Don't Accept Cookie Cutter Portfolios From Your Advisor

    Play Episode Listen Later Apr 19, 2025 6:14


    60/40, 70/30, ect. These are standard allocations for market risk. Sometimes they work, sometimes they don’t. Shouldn’t your portfolio allocation be more customized? Like this episode? Hit that Follow button and never miss an episode!

    Financial and Emotional Steps to Deal with These Crazy Markets

    Play Episode Listen Later Apr 15, 2025 17:24


    We know markets go up and down, but when we experience a big market plunge, it always seems to catch us by surprise. How do you shut the gate on your current losses and build a plan so you are protected in the future? Like this episode? Hit that Follow button and never miss an episode!

    How Do You “Shut the Gate” on Your Current Market Losses? | The Fight You May Be Losing in Your Retirement Accounts | What to Do If Your Spouse Shows Signs of Dementia | The Saving Number for Retirement Just Got Bigger. Is It Accurate?

    Play Episode Listen Later Apr 12, 2025 52:03


    On this week's episode: Finding calm in crazy markets. The hole in your retirement bucket you need to plug. Protecting against the high cost of long-term care. Do you really need $1.9 million saved to have a great retirement? Like this episode? Hit that Follow button and never miss an episode!

    Medicare Tutorial with Rob Main

    Play Episode Listen Later Apr 8, 2025 25:16


    Rob Main helps people of all ages at Rob Main Health and Wellness. That puts him deep into the world of Health coverage and Medicare. Learn what you need to know about the ups and downs of Medicare. Like this episode? Hit that Follow button and never miss an episode!

    What would happen if we applied the DOGE concept to your retirement accounts? | You've heard of the 60/40 portfolio. What is the Zinnia Wealth mix of 40-30-20-10? | The ins and outs of Medicare with Rob Main

    Play Episode Listen Later Apr 5, 2025 51:33


    On this week's episode: Rooting out the waste and inefficiency in your retirement plan. There are many ideas about how you should allocate your retirement money. 60% stocks and 40% bonds is an old standard. Charisse has a new option to consider. Rob Main of Rob Main Health and Wellness joins us to discuss the details you should know about Medicare. Like this episode? Hit that Follow button and never miss an episode!

    4 Things People Want to Know from Their Financial Advisor Right Now

    Play Episode Listen Later Apr 1, 2025 7:51


    When markets get volatile, people want to know how to “stop the drop” and these four questions for the future. Like this episode? Hit that Follow button and never miss an episode!

    Where to Pull Retirement Income from When the Markets are Falling | 70% of Retirees Wish They had Done THIS | Dealing With a Lump Sum Pension | 4 Questions People Ask When Seeing a Financial Advisor

    Play Episode Listen Later Mar 29, 2025 48:44


    On this episode: Should your retirement income always come from the same place? Avoiding one of the biggest retirement mistakes. Many people who take a lump sum pension are out of money in 5 years. The main questions people are asking their financial advisors right now. Like this episode? Hit that Follow button and never miss an episode!

    Is Dave Ramsey Steering You Wrong on Social Security?

    Play Episode Listen Later Mar 25, 2025 10:03


    When you take Social Security is an important decision. Dave Ramsey has an opinion that may or may not be right for you. Like this episode? Hit that Follow button and never miss an episode!

    Protecting your retirement account from a recession | Can you retiree or do you really have to work one more year? | Dave Ramsey has foot in mouth disease…again!

    Play Episode Listen Later Mar 22, 2025 50:12


    On this episode: Is this market event short, or long term? Doing the math on your retirement date. Dave Ramsey has helped a lot of people get out of debt, but his advice on Social security is a little suspect. Like this episode? Hit that Follow button and never miss an episode!

    What does Tony Robbins have against your 401(k)?

    Play Episode Listen Later Mar 18, 2025 9:46


    Your 401(k) has been a good savings vehicle, but using it in retirement can be tricky. How do you work around the lack of income and tax problems? Like this episode? Hit that Follow button and never miss an episode!

    What is going on in the stock market? Is it going to get worse? | Why is Tony Robbins beating up 401(k)s? | There's a new annuity option in some 401(k)s. Is it worth looking at? | How do we deal with the possible cut back in Social Security?

    Play Episode Listen Later Mar 15, 2025 51:30


    On this week's episode: What’s next for the stock market? How your 401(k) comes up short in retirement. The first annuities are popping up in 401(k)s. What if your Social Security check gets cut by 25%? Like this episode? Hit that Follow button and never miss an episode!

    Interview with Ryan Stewart of McKenney Chiropractic Center

    Play Episode Listen Later Mar 11, 2025 27:41


    Most of us have dealt with back pain. It could be an incident or ongoing. What’s new in the Chiropractic area to help and how do we avoid problems in the future? Like this episode? Hit that Follow button and never miss an episode!

    Are We Seeing Signs of a 2025 Market Correction? | Finding Your Sweet Spot for Social Security | Why is This a Great Time for an IRA-to-Roth Conversion? | Chiropractor Ryan Stewart Joins Us to Talk About Dealing with Back Pain

    Play Episode Listen Later Mar 8, 2025 53:45


    On this episode: The headlines have gone negative about the 2025 stock market. Should you be concerned? Trying to unlock the code of when to start Social Security. Is this the Golden Age of IRA-to-Roth conversions? Like this episode? Hit that Follow button and never miss an episode!

    Is Your Financial Advisor the Right Fit for You?

    Play Episode Listen Later Mar 4, 2025 10:04


    Just because the chef wears a white smock doesn’t make them a great cook. Just because your financial advisor says they do retirement planning doesn’t make them proficient at it. Like this episode? Hit that Follow button and never miss an episode!

    Is the Advice from Financial Celebrities Worth Anything?

    Play Episode Listen Later Mar 1, 2025 52:59


    On this episode of Retirement Coffee Talk, we look at advice from Kevin O’Leary, Mark Cuban, and Suze Orman. Is there anything here you can use? Like this episode? Hit that Follow button and never miss an episode!

    6 Reasons People Avoid Financial Advisors

    Play Episode Listen Later Feb 25, 2025 15:54


    Only 25% of people use a financial advisor. What are the reasons the other 75% are hung up on? Like this episode? Hit that Follow button and never miss an episode!

    Is the Stock Market Getting Too Risky? | Is Now the Time to Reevaluate Your Portfolio? | Could You Really Get 1.5 Million in Social Security? | When is the Best Time for an IRA-to-Roth Conversion?

    Play Episode Listen Later Feb 22, 2025 54:35


    On this week's show: Is this a time to dial back your retirement account risk level? What is the average Social Security check? Three times when a IRA-to-Roth Conversion makes sense. Like this episode? Hit that Follow button and never miss an episode!

    Why are People Delaying Retirement? | RMDs: What You Need to Know | Now Might Be the Time for a Roth Conversion

    Play Episode Listen Later Feb 18, 2025 34:36


    On this week's episode: Do you have “one more year” syndrome? Everything you need to know about Required Minimum Distributions An IRA-to-Roth Conversion may help you save big in retirement taxes. Like this episode? Hit that Follow button and never miss an episode!

    Is Your Health Putting Your Retirement at Risk? - Part 2

    Play Episode Listen Later Feb 15, 2025 18:36


    Physician Assistant Rob Main joins us for the second part of our talk about health concerns in retirement including diabetes, weight loss, Ozempic and the new use of AI in healthcare. Like this episode? Hit that Follow button and never miss an episode!

    Something New in 401(k)s That Some Like, But Others Don't | Don't Be Bad Santa When Giving Money to Your Kids | The Top 3 Reasons People Don't Spend Money in Retirement

    Play Episode Listen Later Feb 11, 2025 27:08


    On this episode: Pros and cons of target date funds. The implications of inheriting IRAs. The importance of being prepared for market volatility. Overcoming hesitations about retirement spending. Like this episode? Hit that Follow button and never miss an episode!

    Is Your Health Putting Your Retirement at Risk?

    Play Episode Listen Later Feb 8, 2025 25:07


    Are you aware of how your health can impact your retirement finances? Charisse Rivers explores the crucial connection between managing health and protecting wealth, as she chats with Rob Main of Rob Main Health and Wellness. Charisse & Rob delve into the benefits of concierge and direct primary care services, emphasizing their role in ensuring timely and comprehensive medical care. By addressing health issues early, these services can help prevent costly medical emergencies, ultimately safeguarding your financial well-being. Like this episode? Hit that Follow button and never miss an episode!

    The Number One Question People are Asking About Their 401(k)

    Play Episode Listen Later Feb 4, 2025 11:54


    You may have heard your 401(k) can become a “Tax Time Bomb” in retirement. How can you avoid it? Like this episode? Hit that Follow button and never miss an episode!

    Has your 401(k) accidently become a “Tech Fund?” | Currently THIS is the number one question for financial advisors | Is it time to move to bonds? | When your business is your retirement plan

    Play Episode Listen Later Feb 1, 2025 49:53


    On this week's show: The Tech Sector has been driving the market for over two years. Are you over weighted in tech stocks? Preparing your 401(k) for retirement. Are bonds back in favor? Selling your business to fund your retirement. Like this episode? Hit that Follow button and never miss an episode!

    How much will an IRA-to-Roth Conversion save you?

    Play Episode Listen Later Jan 28, 2025 10:30


    Pay the taxes now or pay the taxes later. What makes sense for your IRA and 401(k)? Like this episode? Hit that Follow button and never miss an episode!

    What can gift cards teach us about retirement? | When your CD comes due, what's next for your money? | One advisor who says 100% risk before AND IN retirement

    Play Episode Listen Later Jan 25, 2025 52:31


    On this week's show: Those unused gift cards in your wallet or purse have something in common with your retirement portfolio. There are 7 Trillion dollars in CDs and Money Markets. Where should you put your money now? Everyone says lower your stock market risk in retirement. We found one advisor that completely disagrees. Is he crazy? Like this episode? Hit that Follow button and never miss an episode!

    When is the worst time to see a financial advisor?

    Play Episode Listen Later Jan 21, 2025 9:33


    Everyone seems to ask “When is the BEST time to see a financial advisor?" Today we flip that around. When is the WORST time to see a financial advisor? Like this episode? Hit that Follow button and never miss an episode!

    Should a change in President have you worried about the Market? | Don't have a pension? Can you create your own? | The Top 8 things you can do to get ready for retirement | Many people are wrong about how social security works | What does ice cream have

    Play Episode Listen Later Jan 18, 2025 52:10


    On this week's show: As Inauguration Day approaches, what does history show us about the market after a new president is elected? Developing your own personal pension. 8 things to check off your list before retirement. A survey shows that many people have a misconception about Social Security benefits. Like this episode? Hit that Follow button and never miss an episode!

    Is it Possible to Save Too Much in Your 401(k)?

    Play Episode Listen Later Jan 14, 2025 11:19


    There may come a time near retirement where you should switch from your employer 401(k) to something else. When and why? Like this episode? Hit that Follow button and never miss an episode!

    Never walk out the door without THIS from your financial advisor

    Play Episode Listen Later Jan 11, 2025 54:06


    A new study shows many people are not getting this most important planning tool from their financial advisor. Don’t let this happen to you. Plus: What happens when you ask Charisse for a second opinion on your current financial plan? Like this episode? Hit that Follow button and never miss an episode!

    The Top 5 Things People Miss When They Do Their Own Retirement Planning

    Play Episode Listen Later Jan 7, 2025 10:25


    Retirement planning is more than just investments. Do you have the knowledge to deal with taxes, Medicare, and Social Security? We’ll discuss the big 5 that people miss. Like this episode? Hit that Follow button and never miss an episode!

    Where do you put your retirement money in 2025? | The #1 reason people sought out a financial advisor in 2024 | If you try to DIY your retirement, here are the top 5 things people usually miss

    Play Episode Listen Later Jan 4, 2025 53:46


    On this week's show: Should the change in interest rates, the economy and the White House have you changing your retirement strategy? Is moving money from an IRA to a Roth a good idea for your retirement? The Top 5 Things people neglect if they try to do retirement planning alone. Like this episode? Hit that Follow button and never miss an episode!

    Interview with Marion County Fire and Rescue Chief James Banta

    Play Episode Listen Later Dec 31, 2024 22:01


    Charisse Rivers helps people everyday protect their money for retirement. She also has an interest in the people who are protecting our way of life in Marion County. Today she highlights Marion County Fire and Rescue Chief James Banta. Like this episode? Hit that Follow button and never miss an episode!

    Interview with Ocala Police Chief Mike Balken

    Play Episode Listen Later Dec 28, 2024 36:48


    Charisse Rivers helps people build a better life with retirement planning. She also has a vested interest in making life better in Ocala. Today she highlights the efforts of Ocala Police Chief Mike Balken. Like this episode? Hit that Follow button and never miss an episode!

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