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
- 385
- Years Active
- 2019 - 2025
Financial and Emotional Steps to Deal with These Crazy Markets
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 protec…
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?
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 …
Medicare Tutorial with Rob Main
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.
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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
On this week's episode:
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Rooting out the waste and inefficiency in your retirement plan.
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There are many ideas about how you should allocate your retirement money. 60% stocks and 40% bonds is an ol…
4 Things People Want to Know from Their Financial Advisor Right Now
When markets get volatile, people want to know how to “stop the drop” and these four questions for the future.
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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
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.
- …
Is Dave Ramsey Steering You Wrong on Social Security?
When you take Social Security is an important decision. Dave Ramsey has an opinion that may or may not be right for you.
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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!
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 litt…
What does Tony Robbins have against your 401(k)?
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?
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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?
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 …
Interview with Ryan Stewart of McKenney Chiropractic Center
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?
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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
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-R…
Is Your Financial Advisor the Right Fit for You?
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.
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Is the Advice from Financial Celebrities Worth Anything?
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?
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6 Reasons People Avoid Financial Advisors
Only 25% of people use a financial advisor. What are the reasons the other 75% are hung up on?
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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?
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.
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Why are People Delaying Retirement? | RMDs: What You Need to Know | Now Might Be the Time for a Roth Conversion
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.
L…
Is Your Health Putting Your Retirement at Risk? - Part 2
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.
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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
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.
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Is Your Health Putting Your Retirement at Risk? - Part 1
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 …