Retirement Coffee Talk

It may take the Federal Reserve a long time to get us back to 2 percent inflation. How will your retirement portfolio stand up to 4 to 5 percent inflation if it lasts for an extended period of time?

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• The new inflation numbers are out, and it looks like the Fed will have to keep raising rates. Can you take advantage of these higher interest rates?
• Congress is changing the retirement rules again w…

Financial advisor, Investment advisor, CFP, Wealth Manager…it goes on and on. How do you know which one is right for you?

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The 60% stocks and 40% bonds model crashed last year. The Wall Street Journal has a new idea, Charisse isn’t convinced.

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• Can you look at these market losses and say, “I choose NOT to participate.”
• Approaching retirement when you and your spouse have a big age gap.
• If the 60/40 portfolio is out, what’s better?
• How do y…

No one likes to lose money. That becomes a much more serious conversation right before you retire.

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• How can you stop the losses from this current stock market?
• How is Zinnia wealth different from other financial advisory firms?  
• An example of an advisor that just isn’t listening.

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Over the last 10 years, most retirement plans were built on an inflation rate of 2 to 3%. If you don’t have increasing income built in, a year like 2022 can be a problem.

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• We may be stuck with high inflation for years: What adjustments need to be made in your planning?
• New rules about IRAs, 401(k)s and RMDs.
• Facing retirement as a single.
• How you can help your kids an…

Congratulations! You’ve saved $1 million for retirement. Now how long will it last? According to CNBC, there is more than one major factor that affects that outcome.  

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• Is the market reading the Fed correctly?
• Congress changed more retirement rules and you need to be in the know.
• How often should you be making changes to your retirement accounts?
• How long will one …

2022 was a tough year for the stock market and probably your retirement accounts. What do you do to preserve money in a volatile market and take advantage of some new opportunities?

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• A look back at 2022. A look forward into 2023.
• What Congress did to retirement accounts while you were on vacation.
• Will the 60/40 portfolio make a comeback in 2023?

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• You know how to save your money. But do you know how to spend it in retirement?
• Are employers now more open to phased retirement?
• How much do you have to save to develop $50k a year in retirement?
• W…

Pulling your money back and forth between cash and equities and trying to time the market seldom works. What about a long-term strategy for market risk that you can stick with?

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• Stop market timing! Have a long-term strategy for market risk.
• How do develop mailbox money?
• Making sense of your 401(k) options.
• Should I use an on-line bank for better interest rates?

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One of the reasons people leave their financial advisor is not due to lack of investment performance, it’s due to lack of relationship. How often should you expect to meet with your advisor?

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• What happens if your job ends a few years before retirement?
• How are you supposed to feel about annuities if many advisors can’t agree on them?
• How often should you expect to meet with your financia…

One of the hardest things for some people in retirement is learning to spend their money and enjoy their life without the fear of running out of money. How can you spend with confidence?

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Do you take all the recession talk seriously and change your investment strategy? What is tax loss harvesting? How do you spend with confidence in retirement? Are employers more open to phased retire…