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
Are we on the verge of a market bubble burst? | Signs you may be better off than you think for retirement
On this week's show:
- Are the market nay-sayers onto something?
- Using dividend paying stocks.
- New Roth options to consider.
- The ups and downs of Target Date Funds.
- Don’t have a million? You can still…
Your Retirement Readiness Check List
There are more people turning 65 this year than any year in history. That age kicks in some preparations you’ll need to make for retirement. Charisse walks you through Medicare, Social Security, Inco…
Our Government is thinking about eliminating the 401(k)!
The 401(k) is probably the primary way people save for retirement. Yet some say it is outdated and, in some cases, unfair. Why? And if we didn’t have it, how would we save for retirement?
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Pensions: Is taking lump sum the right call?
Charisse Rivers discusses the decision retirees face regarding their pensions. She explains the pros and cons of taking a monthly check versus a lump sum and highlights the importance of proper finan…
Navigating the Maze of Financial Fees in Retirement
Hidden fees are prevalent in many industries, but none more so for retirees and pre-retirees than in the financial services industry. Charisse Rivers of Zinnia Wealth Management discusses the impact …
Importance of Income Planning in Retirement | Uncovering Hidden Fees | Pensions: Is taking lump sum a good idea? | Why is Uncle Sam rooting on your 401(k)?
On this week's show:
- Some people are getting to retirement and finding they need more money. How Income planning can help you be better prepared.
- Hidden fees are prevalent in various industries, inc…
In Retirement Planning, Seeing is Believing
You may think you can’t retire, but how would you know unless you do the math? At Zinnia Wealth, we think “seeing is believing.”
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What is “sell in May and go away mean?” | Will Social Security sink like the Titanic? | Understanding your investment speed limit
On this week's show:
- Is it wise to take the summer off from your investments?
- How doing the math on your retirement can make it real.
- Could Social Security actually go away?
- They say speed kills. Ca…
Should you buy gold at the same place you buy your mayonnaise?
Costco is selling 200 million dollars in gold bars per month. Is this a good hedge if the market goes down?
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When your advisor says, “This too shall pass.” | Should you buy gold? | What is your “side hustle” for income in retirement? | When your portfolio needs a good scrubbing
On this week's show:
- How do we avoid the advisor conversation of “Hang in there, it will come back.”
- The pros and cons of buying gold.
- If Social Security and your 401(k) are your main sources of ret…
The Motley Fool says these are 4 good reasons to take Social Security at 62
Social Security: The longer you wait, the bigger your check. But most people take it right away at 62. The Motley Fool gives 4 reasons why you might consider taking your benefit early. Does Charisse …
Is this a good time to buy stocks? | They have found the world’s oldest living man | What is job #1 in retirement planning? | Good reasons to take Social Security early
On this week's show:
- Do you buy, sell, or sit tight in this market?
- We found the poster child for making your money last.
- Figuring out your paycheck in retirement.
- Why not take Social Security at 62…
The Problem With: I’ll Just Work Forever and Never Retire
The largest growing segment in the workforce is now people over the age of 75. But does that mean you should keep working? What if you don’t have to and you don’t even know it?
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How some financial advisors are failing retirees | You may be shocked at what age is considered early retirement | A 401(k) plan is not a retirement plan | A strategy where you can save less and get more
On this week's show:
- There are things that you need in retirement that many financial advisors are not providing.
- Is 61 considered early retirement? Find out the average age when most people retire. …
Your 401(k) Plan is NOT a Retirement Plan
Most people have a 401(k). But that is only one piece of a retirement. A full plan involves plans for investments, Social Security, taxes, estate and more.
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Splurges that are worth it in retirement
Most of us have some big dreams for retirement. But what if that dream is a budget buster? We have 4 splurges that you won’t regret in your retirement years.
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Avoiding big losses when the market turns negative | What is the average monthly spend in retirement? | Are you missing out on your share of 3.4 trillion dollars?
On this week's show:
- When the stock market starts to go negative, how do you avoid being victim of that downward momentum?
- Things that are worth spending money on.
- When the financial news has an age…
Four Options for How to Use Your 401(k)
Cash it out, roll it over, convert it. Your 401(k) has a number of options in retirement. What are the pros and cons of each one?
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Tax Talk: IRAs, 401(k)s, and more
On this week's show:
- Your IRA: How does it help your tax picture and how many should you have?
- Is it possible to be TOO conservative with your investments?
- Is the recent market pullback a signal of …
Ask Charisse: Being Smart About Taking Money Out of Your 401(k)
In our Ask Charisse segment, we talk about taking money out of your IRA or 401(k).
Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Char…