Retirement Coffee Talk
Retirement Coffee Talk is the ultimate podcast for anyone seeking financial insights on retirement planning. Join Charisse Rivers, the founder and president of Zinnia Wealth Management, for a blend of fun and informative discussions on the latest financial trends and the keys to achieving a fulfilling retirement.
Whether you're a seasoned investor or just beginning your financial journey, Retirement Coffee Talk is your go-to. Tune in weekly and empower yourself to make confident financial decisions for a secure and fulfilling retirement.
💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!
- Update frequency
- every 3 days
- Average duration
- 20 minutes
- Episodes
- 388
- Years Active
- 2019 - 2025
New tax laws for 2023
The IRS has changed the standard deductions, retirement contribution levels, gifting and more for 2023. We go through the highlights and have a new guide that outlines it all.
Full Show 11/19/22
How are interest rates pointing to a recession next year? The IRS has new laws for 2023 about taxes and retirement contributions. How much do you have to save to develop $50k a year in retirement?
See…
Is there such a thing as too much income in retirement?
We work hard to create as much retirement income as possible, but with that comes a tax bill. Can you find a balance?
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Full Show 11/12/22
What does it mean to have a defensive strategy? Have we found the bottom? Don’t be fooled by a bear market rally. Why do people use the swings of the stock market to determine their income? More inco…
Full Show 10/29/22: How long before we are out of this recession? How much cash on the side is too much? Target Date Funds: Do they work? If Bonds aren’t working, what’s next?
- Is there a better way than trying to time the recession and this market?
- With interest rates going up, is there a better place for your cash?
- There are over 3 trillion dollars in Target Date Funds. …
Interview with Country Music Star Jason Aldean
With the Country Music Awards coming up, Charisse took a trip to Nashville and was able to sit down with Jason Aldean.
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How sequence of return risk can derail your retirement
When you are taking money from accounts that are dropping in value, it can alter your future retirement outcome. How do you control what you can’t control?
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New inflation number. Retiring in a down market. Vanguards 10-year forecast. Ask Charisse: The IRA to Roth conversion. Retirement lessons from McDonalds.
- Adjusting your portfolio if inflation stays high.
- Taking money out of an account that is dropping.
- Can you retire successfully on 3 to 5% growth?
- When am I a good candidate to convert my IRA money o…
Interest rates are going up everywhere, why not at the bank?
Credit card and mortgage rates are up, but the rates on bank CDs remain dismal. Can you survive in retirement on 2% growth?
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Rates that are better than the bank. How much cash should you have on the side? New risky choices in your 401(k). Ask Charisse: Variable annuities?
Rates at the bank are getting better, but is it enough? At what point do your cash holdings work against you? Is Bitcoin a good idea in your 401(k)? There are so many kinds of annuities. Is a variabl…
Ask Charisse: Should I change to a Medicare Advantage Plan?
The Medicare window opens in October where you can decide to keep your current plan or switch to something different. When is the right time to switch?
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Where is the market headed? | The Medicare window opens in October. Should I switch plans? | What type of planner do you need for retirement?
- There are a lot of opinions about the markets and economy. Who do we believe?
- Medicare can be a tangled mess. How do you know when it’s right to switch plans?
- There are CPAs, stockbrokers, investmen…
Is your financial house ready for a hurricane?
Hurricanes are part of living in Florida. We build our houses with that in mind. We watch the weather and do our preparations. The Stock Market may be signaling hurricane. If you are getting close to…
Preparing for a financial hurricane | The things many of us get wrong as we get ready for retirement | Tax tips before the end of the year
You protect your property before a hurricane, but are you protecting your retirement accounts for what might be a financial hurricane? A global survey found these are the five things’ people get wron…
Do your retirement accounts have a balance problem?
We need a healthy balance in life between work and play. Your retirement money needs a healthy balance between risk and safety. That balance changes with age. What is the right balance for you?
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Is the Fed helping or hurting? | Is your retirement money in balance? | Another celebrity death and again, no will | The 4% rule revisited | Can tax loss harvesting help you?
- The Fed keeps raising rates and the market keeps going down. Are they off track?
- For your age, does your retirement money have the right balance of risk-to-safety?
- Ok, you aren’t a millionaire celeb…
Ask Charisse: Am I a good candidate for an IRA to Roth conversion?
If most of your retirement money is saved in an IRA or 401(k), you might consider the tax saving measure of moving some of that money over to a Roth. Charisse talks about the pros and cons.
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Answering the big question: Can I retire?
One of the most common questions when people come in is: Can I retire? But with all that’s going on in the economy, another question is: Should I retire, or should I wait?
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The confidence doesn’t come from your account balance
There is so much more to a successful retirement than achieving a number in your account. It’s the planning that goes with it.
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Is a reverse mortgage right for me?
There are many ways to develop income in retirement. You may have a lot of equity in your home. There is a way to turn that equity into cash for retirement.
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