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 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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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!
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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