Retirement Coffee Talk

• Want to retire early? How do you fill the income gap if you want to wait on Social Security?
• We found another crazy retirement rule. Does it work?
• Putting your tax refund to work to lower your taxes…

Wall Street has always loved a mix of 60% stocks and 40% bonds. Last year that design had one of it’s worst years ever. This year it’s performing better. Is 60/40 back?

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• Could your fear of the stock market paralyze you when it’s time to invest for growth?
• Is the Wall Street 60/40 portfolio working again?
• Making the adjustment from saving to spending.
• Escaping your o…

New laws and new ideas to limit your tax bill in retirement.

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• Market prediction for this summer: Down 3000 points! 
• Boomers pay 60% of Federal income taxes. Are you paying too much?
• The common “Are you kidding me?” moment in our Portfolio X-Ray.
• Changes this y…

Some things make psychological sense, some things make financial sense. Weighing out the idea of being mortgage-free in retirement.  

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• Will we see more banks fail?
• Social Security has more bad news about cutting back benefits.
• Should I pay off my house before retirement?
• If I have to write the IRS a check this year, did I do someth…

With the NCAA Basketball Tournament wrapping up, we have a list of six things you should check off to complete your retirement. We call it the Slam Dunks of Retirement Planning.   

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There are many options when it comes to risk and safety in your portfolio. The classic 60% stocks and 40% bonds is not working. What does Zinnia Wealth suggest to replace it?

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• What are people most concerned about right now?
• Taking advantage of the higher interest rates with T-Bills.
• Get out of your 60-40 portfolio!
• Shifting through the different kinds of financial pro…

We revisit an interview Charisse conducted with the 3-time Naismith College Basketball Coach of the Year and current University of Kentucky head coach, John Calipari. 

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• What do we need to know about the recent bank failures?
• Is 5% growth enough to fund a retirement?
• March Madness is underway, so is Tax Madness. Are you ready for April 15th?
• A new withdrawal theory:…

Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance…

• Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importanc…

Over 90% of financial advisors leave the business in 3 years. Why Zinnia Wealth continues to thrive and stand the test of time.

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Part of our goal at Zinnia Wealth is to take some of the mystery and worry out of retirement. Doing the math and seeing it on paper is a great way to start.

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• What to do if we see a big market drop this year.
• Suzi Orman just made an interesting move toward portfolio protection.
• What to consider when making your Social Security decision.
• They say I’m n…

What happens if you tell your employer you want to start cutting back and slowly phase into retirement? 5 years ago, that might not have worked. Today the answer may work more in your favor.

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• Have attitudes changed toward phased retirement?
• How much do you need to save to produce an income of 50k per year?
• Making a career decision because of taxes.
• When you have a retirement spending…