Full Show 4/15/23

Most of us save most of our retirement money in a 401(k). Yet two articles popped up this week saying the Government wants to get rid of the 401(k) in less than 10 years. Why?

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One of the big challenges of a 401(k) is the lack of a pension-like paycheck in retirement. IBM thinks they may have found the answer. Could it work for you? OR could you do this yourself?

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In this episode of Retirement Coffee Talk Podcast:

• How do you develop income with your 401(k)? IBM thinks they have the answer.
• Kevin O’Leary has an eye-popping number we need to save for retirement.
• What can we learn about retirement from Tom Selleck?
• The biggest “tax misses” in retirement planning.
• How to fill the income gap when you don’t have enough.

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The 401(k) comes up short in a lot of ways. No income, limited choices, poor performance. Charisse shares ways to overcome some of these problems.

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On this week's show:

• 12 thousand people will turn 65 every day in 2024.
• Are you ready for retirement?
• Has the 401(k) made any improvements in the last few years?
• Do you have to “lock up” your money in retirement?
• The changes in retirement laws in 2024.

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Your mom told you not to touch the hot stove or you’ll get burned. The government and the financial industry are trying to use the same lesson with your 401(k). Is it good advice?

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On this week's podcast:

• When the talking heads say there is a financial crisis coming, what does that mean?
• Taxes in retirement are different than taxes in your working years.
• How often should you rebalance?
• The Government wants you to treat your 401(k) like a hot stove. 

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If you decided to take advantage of the higher interest rates with a CD or other product in 2023, look for a form in the mail soon from the IRS.

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Charisse provides insights on lesser-known aspects of taxes, plus:

• Should you invest in the new Bitcoin ETF?
• Is the 60/40 portfolio back?
• A prediction the market will lose 50 to 60% in 2024.

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Did you know you can get an extra deduction just for being 65? Charisse has other tips that she says her clients miss that they (and you) need to know about.

Like this episode?  Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!

See omnystudio.com/listener for privacy information.