Retirement Coffee Talk

Recently, respected financial radio host Dave Ramsey suggested you can have an 8% pull on your money in retirement. Charisse finds a lot that could go wrong here. 

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Most of the places where you are saving for retirement like 401(k)s, Mutual Funds, stocks, bonds, etc have fees. The financial industry makes them hard to find. Is there a way to cut down on these fe…

Imagine a 90% tax bracket. It may sound crazy, but it happened not that long ago. What is your strategy for your tax infested 401(k) if taxes go up again?

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When stocks and bonds are both down, the classic Wall Street 60/40 portfolio doesn’t work. Learn about the Zinnia Wealth alternative: The 40-30-20-10 portfolio.

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There are many aspects that go into retirement planning, but not all of them pertain to your investments. Where will you live? How will your healthcare be covered? Will you continue to work part-time…

Many of us have used the Wall Street default mix of 60% stocks and 40% bonds. That idea has work well for many years…until now.

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For many of us, our 401(k) will be our biggest asset in retirement. How do you protect it, grow it, and pull income from it?

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Whether you receive a house, some land, or an amount of cash, inheriting money takes some planning. And if you are passing money down to your children and grandchildren, that make take even more plan…

The Medicare election window opens in October and closes in December. What do you need to know about Medicare if you are just starting, and what do you need to know about the supplements if you are …

Charisse Rivers of Zinnia Wealth Management has a discussion with Dr. Roger Ibbotson and Dr. William Goetzmann from the Yale School of Management on what is working and not working for retirees and p…

In this episode of Retirement Coffee Talk, Charisse Rivers highlights how to be risk-averse and still get the growth to fund retirement. She explains the importance of having a written retirement pla…

What does it mean when the world’s biggest investment company is telling you to plan for retirement by dialing back risk and use products OUTSIDE the stock market?

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• Cash is trash or cash is king. Which is it?
• Can you go through retirement with all your money in a 401(k)?
• A shocking revelation from the world’s biggest investment company.
• Uncle Sam says you h…

You see the commercials all the time: “Protect yourself from a market crash by buying gold!” Is it a good move? Charisse breaks down the pros and cons on today’s special podcast epsiode, “Ask Charis…

Is it really possible that your social security could be taxed in retirement? For some people, that may indeed be the case. Charisse Rivers of Zinnia Wealth Management talks about who may face this t…

Charisse Rivers of Zinnia Wealth Management talks about one of the most asked questions about retirement, "When should I take Social Security?"

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Assuming your retirement is going to work out because you’ve been a good saver can be dangerous. It’s time to do the math.

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What happens when your financial advisor retires? Do they hand you off to “Billy the Kid”? When is it time to seek out a new advisor and what do you look for?

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Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth and is the CEO of Zinnia Wealth Management. She and her team are specialists in re…

If you don’t have a tax plan going into retirement, you will likely have to follow Uncle Sam’s plan, and that may not be the best option for your retirement. Listen to the latest episode of Retireme…