Retirement Coffee Talk

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? How do you generate the income you need for the retirement you want? Charisse goes in depth on all of these.

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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 planning. Where do you start?

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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 already using Medicare?

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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 pre-retirees in this high inflationary economy. 

Dr. Robert Ibbotson is the Professor in the Practice Emeritus of Finance at Yale School of Management and chairman of Zebra Capital Management, LLC.

Dr. William Goetzmann is the Edwin J. Beinecke Professor of Finance and Management Studies as well as the Faculty Director of the International Center for Finance at Yale School of Management.

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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 plan and how to work with a financial advisor to help choose the right investments for your individual needs.

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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 have to take money out of your IRAs at age 73. What if you don’t need the money to live? What are your options?

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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 Charisse.”

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About Charisse Rivers

CEO & Financial Planner | Over 15 Years of Experience

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.

She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.

She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.

Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.

See omnystudio.com/listener for privacy information.

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 tax obstacle and if there's any strategies to help avoid it. 

Plus, is it a good strategy for someone retiring at age 62 to draw money solely out of their 401(k) while waiting until 70 to start taking Social Security.

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

💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!

About Charisse Rivers

CEO & Financial Planner | Over 15 Years of Experience

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth.

She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.

She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.

Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.

See omnystudio.com/listener for privacy information.

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.

💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!

About Charisse Rivers

CEO & Financial Planner | Over 15 Years of Experience

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.

She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.

She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.

Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.

See omnystudio.com/listener for privacy information.

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 retirement and estate conservation. They can help you answer the questions you may have about your financial future.

Zinnia Wealth Management is committed to you for the long run. Zinnia Wealth Management specializes in personally helping families, individuals and businesses achieve financial security to Live by Design, Not by Default.

💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!

About Charisse Rivers

CEO & Financial Planner | Over 15 Years of Experience

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.

She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.

She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.

Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.

See omnystudio.com/listener for privacy information.

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 Retirement Coffee Talk podcast for more insights from Charisse Rivers of Zinnia Wealth Management!

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About Charisse Rivers

CEO & Financial Planner | Over 15 Years of Experience

Charisse Rivers is a retirement strategist focused on helping people grow, protect, and reduce taxes on their wealth. She has been featured in ABC, FOX, NBC, CBS, InvestmentNews, WealthManagement.com, WSJ, USA Today, and Forbes magazine. She has also written online articles for CNN Money, Forbes, Fortune, and Annuity 123.

She is the founder and CEO of Zinnia Wealth Management and Zinnia Wealth Advisory, a Registered Investment Advisory firm. As a fiduciary in her industry, Charisse provides efficient and secure strategies for anyone nearing or in retirement. The overall initiative is to help get her clients to retirement and beyond.

She is also the host of the radio show “Retirement Coffee Talk,” broadcasted every Saturday at 8:30am, 11am, and every Sunday at 8am and 12 noon on WSKY 97.3 FM. Additionally, you can hear Charisse on WXJB 99.9 FM radio every Saturday at 9am. Tune in as Charisse discusses the latest financial tools and guides listeners through the complexities of planning for retirement, preparing them for the future they deserve so they can live by design, not by default.

Passionate about helping others and spreading financial literacy to teens, Charisse gives back through the 501c3 nonprofit she started called the Grilled Cheese Foundation. The foundation was formed to help middle school and high school students foster their talents and get them to college with scholarships and financial literacy.

See omnystudio.com/listener for privacy information.

Charisse Rivers of Zinnia Wealth Management sits down with author and political commentator Candace Owens. They discuss motherhood, raising a family in today's world, who Candace would pick as a presidential running mate and the key to females being prepared financially for retirement.

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Charisse Rivers of Zinnia Wealth Management sits down with former Rascal Flatts lead singer Gary LeVox. They discuss the award-winning vocalist's new solo career, the importance of having the right team around you and his plan for retirement.

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Through all the ups and downs of the past 40 years, many Baby Boomers have built their wealth using the stock market. But as you get into retirement, should you be that dependent on the market or is it time for something else? And what is that something else?  Tune in to Retirement Coffee Talk with Charisse Rivers.  She explains it all!

💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management:

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This week Charisse handles your questions about how your Social Security could be taxed, the pros and cons of CDs and Annuities.

💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management:

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