Retirement Coffee Talk

• Market prediction for this summer: Down 3000 points! 
• Boomers pay 60% of Federal income taxes. Are you paying too much?
• The common “Are you kidding me?” moment in our Portfolio X-Ray.
• Changes this year with RMDs.
• Are you a good candidate for an IRA-to-Roth conversion?
• What is ESG investing?
• Planning for your money and your time in retirement. 

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Some things make psychological sense, some things make financial sense. Weighing out the idea of being mortgage-free in retirement.  

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• Will we see more banks fail?
• Social Security has more bad news about cutting back benefits.
• Should I pay off my house before retirement?
• If I have to write the IRS a check this year, did I do something wrong?
• The hard conversation of Long-Tern Care coverage.
• Retirement calculators: Can you trust them?

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With the NCAA Basketball Tournament wrapping up, we have a list of six things you should check off to complete your retirement. We call it the Slam Dunks of Retirement Planning.   

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There are many options when it comes to risk and safety in your portfolio. The classic 60% stocks and 40% bonds is not working. What does Zinnia Wealth suggest to replace it?

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• What are people most concerned about right now?
• Taking advantage of the higher interest rates with T-Bills.
• Get out of your 60-40 portfolio!
• Shifting through the different kinds of financial professionals. Who is right for you?

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We revisit an interview Charisse conducted with the 3-time Naismith College Basketball Coach of the Year and current University of Kentucky head coach, John Calipari. 

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• What do we need to know about the recent bank failures?
• Is 5% growth enough to fund a retirement?
• March Madness is underway, so is Tax Madness. Are you ready for April 15th?
• A new withdrawal theory: Take more when the market is good, cut back when the market is bad. Does it work?
• What is the "Widow's Tax Penalty” in retirement?

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Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one.

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• Protection, income, growth, tax planning, Social Security, Medicare, and Estate Planning. Do you have all these elements in your retirement plan? If not, let Charisse walk you through the importance of each one.
• Charisse talks about her recent experience playing in the WM Phoenix Open. 

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Over 90% of financial advisors leave the business in 3 years. Why Zinnia Wealth continues to thrive and stand the test of time.

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Part of our goal at Zinnia Wealth is to take some of the mystery and worry out of retirement. Doing the math and seeing it on paper is a great way to start.

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• What to do if we see a big market drop this year.
• Suzi Orman just made an interesting move toward portfolio protection.
• What to consider when making your Social Security decision.
• They say I’m not rich enough to have a financial advisor!
• Over 90% of financial advisors don’t last 3 years, why Zinnia Wealth continues to thrive and stand the test of time.

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What happens if you tell your employer you want to start cutting back and slowly phase into retirement? 5 years ago, that might not have worked. Today the answer may work more in your favor.

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• Have attitudes changed toward phased retirement?
• How much do you need to save to produce an income of 50k per year?
• Making a career decision because of taxes.
• When you have a retirement spending problem…you don’t spend enough! 

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It may take the Federal Reserve a long time to get us back to 2 percent inflation. How will your retirement portfolio stand up to 4 to 5 percent inflation if it lasts for an extended period of time?

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• The new inflation numbers are out, and it looks like the Fed will have to keep raising rates. Can you take advantage of these higher interest rates?
• Congress is changing the retirement rules again with Secure Act 2.0. What do you need to know?
• What tax planning moves can you make before April 15th?
• Navigating the choices in your 401(k).
• Mailbox money: How do I develop checks every month in retirement?

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Financial advisor, Investment advisor, CFP, Wealth Manager…it goes on and on. How do you know which one is right for you?

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The 60% stocks and 40% bonds model crashed last year. The Wall Street Journal has a new idea, Charisse isn’t convinced.

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