Retirement Coffee Talk

Charisse Rivers of Zinnia Wealth Management gets indepth on tax planning and answers real  questions her listners ave asked, such as:

• How can planning help reduce the overall tax burden in retirement?
• Should you consider converting to a Roth IRA?
• Is it a good idea to use money from a 401(k) to pay the taxes from that conversion? 

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In this episode of the Retirement Coffee Talk podcast with Charisse Rivers, the focus is on the concept of financial independence. Charisse discusses what financial independence means and why it is essential for a worry-free retirement.

She emphasizes the importance of having the freedom to spend your money, being free from financial worries, and exploring strategies to minimize taxes. Charisse also addresses common concerns and misconceptions about retirement planning and offers insights into developing a written plan for financial independence.

Whether you're a conservative investor or willing to take some risks, this episode provides valuable information to help you achieve a secure and fulfilling retirement. Tune in to gain confidence in your retirement journey and learn how to make the most of your financial independence. 

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Join Charisse Rivers and Zinnia Wealth Online on the Retirement Coffee Talk podcast as they discuss the significance of getting a second opinion review for your retirement plan.

In this episode, they delve into the reasons why it's crucial to reevaluate your financial advisor's strategies and explore new possibilities for your retirement portfolio. Whether you already have an existing plan or are starting from scratch, discover the key insights and expert advice that can help you retire with confidence. 

Visit zinniawealth.com to schedule your complimentary retirement review today.

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In this episode of the Retirement Coffee Talk podcast, Charisse Rivers tackles the topic of Social Security and addresses the prevalence of online misinformation surrounding it. She explores a common question about spousal benefits and clarifies the correct information, debunking a popular misconception.

Charisse emphasizes the importance of seeking reliable advice and highlights the need for a comprehensive retirement plan that considers multiple strategies. Additionally, she introduces a groundbreaking tool, the Social Security Risk Score, developed by David Dooley, founder of the score, to assess the potential risks to one's Social Security benefits.

Tune in to learn how to navigate the complex landscape of Social Security and secure a stable retirement income. Visit zinniawealth.com to schedule a free appointment and gain further insights into retirement planning.

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You can email us a question any time at retirement@zinniawealth.com. This week we handle questions our listeners have about annuities.

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Join Charisse Rivers of Zinnia Wealth for an enlightening episode of Retirement Coffee Talk. In this episode, we delve into the wisdom of Warren Buffett, the legendary investor and CEO of Berkshire Hathaway.

Discover the secrets behind Buffett's remarkable success over nearly six decades and his philosophy of making a few crucial decisions that shape long-term prosperity. We discuss the importance of having a written retirement plan and the role it plays in securing your financial future.

Learn how a personalized plan can help you navigate uncertain economic times, inflation, and market fluctuations. Explore the significance of having a financial planner as your trusted guide, just like Dwayne Johnson relies on his managers for expert advice.

Tune in for valuable insights and actionable steps to get your retirement on the right track. Visit zinniawealth.com to connect with us and learn more about retirement planning.

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There are a lot of lessons (and financial lessons) we learned from our dads. Today we talk about how some of those lessons Charisse learned can benefit you as you sit down with her to plan your retirement.

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Charisse Rivers of Zinnia Wealth takes on the sensitive topics no one wants to talk about…but should. Medicare, Long-Term Care, and Estate Planning. Find out more at zinniawealth.com.

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Charisse Rivers of Zinnia Wealth talks about two vital elements of retirement planning people neglect: Income and Tax planning. Find out more at zinniawealth.com.

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Charisse Rivers of Zinnia Wealth discusses the ups and downs of being too aggressive or even too conservative with investments. Find out more at zinniawealth.com.

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Charisse Rivers of Zinnia Wealth discusses missteps people make with Social Security. Taking it at the wrong time and working while collecting their benefit. 

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Moms have the most important job in the world. Many moms will spend a lot of time in retirement alone. How can we help with good financial planning?

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• It’s Mother’s Day! Honoring our moms before and in retirement.
• Don’t miss the opportunity of these high interest rates!
• Don’t ignore your check engine light or your check retirement light.
• What if mom and dad aren’t getting financial help? How do you step in?

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When you go to a casino, they give you a sheet that shows you the odds of winning each game. Should Wall Street do the same? How do you decide how much of your retirement money should be in the stock market?

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• Three things we all need from a retirement plan are protection, income, and growth. Charisse outlines how Zinnia Wealth addresses all three.  
• Plus: The 6 mistakes people make before retirement (and how to avoid them).

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Using your tax refund to lower your taxes in retirement. Are you a good candidate to move money from your IRA to a Roth?

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• Want to retire early? How do you fill the income gap if you want to wait on Social Security?
• We found another crazy retirement rule. Does it work?
• Putting your tax refund to work to lower your taxes in retirement.
• In your 70s is not too late to talk about estate planning.

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Wall Street has always loved a mix of 60% stocks and 40% bonds. Last year that design had one of it’s worst years ever. This year it’s performing better. Is 60/40 back?

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• Could your fear of the stock market paralyze you when it’s time to invest for growth?
• Is the Wall Street 60/40 portfolio working again?
• Making the adjustment from saving to spending.
• Escaping your old annuity.
• The joy of spending your kid’s inheritance.

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New laws and new ideas to limit your tax bill in retirement.

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