/Retirement Coffee Talk

Retirement Coffee Talk

Retirement Coffee Talk is the ultimate podcast for anyone seeking financial insights on retirement planning. Join Charisse Rivers, the founder and president of Zinnia Wealth Management, for a blend of fun and informative discussions on the latest financial trends and the keys to achieving a fulfilling retirement. Whether you're a seasoned investor or just beginning your financial journey, Retirement Coffee Talk is your go-to. Tune in weekly and empower yourself to make confident financial decisions for a secure and fulfilling retirement. 💬 Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!

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Is Retirement the Most Complex Financial Time of Your Life? | If the Market Is Down, Do You Cut Back on the Fun? | How Uncle Sam Has Your 401(k) in a Headlock

Dec 13, 2025·—

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On this episode: Why is retirement so complicated? In down years in the stock market, does that mean you should cut back on your lifestyle? Without some planning and discussion, your 401(k) could be a tax trap. Like...

Don’t Let Money Worries Steal Your Joy in Retirement

Dec 6, 2025·—

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On this episode: The “Tiny Dings” that could become bigger financial problems. A strange disconnect between financial advisors and their clients. Don’t be generous but foolish with your inheritance. Avoiding the “debt...

3 Things You Can Do with Your 401(k) at Retirement

Dec 2, 2025·—

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Your 401(k) may be your biggest retirement asset. What are your options on how best to use it? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse and...

Charisse Talks with Jonathon Fleece of Empath Health on Memory Loss and Family Support

Nov 29, 2025·—

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Join Charisse for a heartfelt discussion with Jonathon Fleece, President and CEO of Empath Health, as they explore gentle ways to support loved ones experiencing memory loss or other cognitive issues. Jonathon shares...

What Oreo Cookies Can Teach Us about Retirement

Nov 25, 2025·—

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There are some ideas that look good on paper, but don’t turn out that way in real life. There are plenty of financial products that fit that bill and you should know about them. Like this episode? Hit that Follow button...

A Retirement Lesson from Oreo Cookies | IRA Rollover Mistakes | Options for Your RMDs

Nov 22, 2025·—

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On this episode: Sometimes the marketing is better than the product. Leaving your IRA in cash after a rollover. Should I use MY plan or Uncle Sam’s plan for my RMDs? Like this episode? Hit that Follow button and never...

80% of Us Could Be Making This Retirement Mistake!

Nov 18, 2025·—

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There are rules we should follow in life. There are rules we might want to break in retirement. We found one with your 401(k)s and IRAs. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage...

A New Mindset That Could Change Your View of Retirement Planning | Your Plan or Uncle Sam’s Plan for Taxes? | Options to Make Your 401(k) Work for You in Retirement

Nov 15, 2025·—

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On this episode: Unspent money = unrealized memories. Most of us go right along with Uncle Sam’s plan for your IRA. Why? What to do with your biggest retirement asset. Like this episode? Hit that Follow button and never...

Shohei Ohtani Teaches Us a Retirement Lesson

Nov 11, 2025·—

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The new Dodgers phenom has structured his pay using deferral. Can you do the same in retirement? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with Charisse...

A Retirement Lesson from the World Series | What If the Market Goes Against You? | Are You Unlucky or Unprepared? | Options for Your RMD Money

Nov 8, 2025·—

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On this episode: Retiring into a down market. Are you ready? Uncle Sam says you have to take IRA money at 73. What are your options? Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share...

RMDs and Rollovers: Your 401(k) and Retirement

Nov 4, 2025·—

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Your 401(k) is going to take some thought and effort in retirement. Do you rollover to a personal IRA? What is an RMD and what do you need to know? Am I headed for a tax problem? Let’s get you the answers. Like this...

How Do People Really Spend in Retirement? | Putting the 4% Rule to a History Test | It’s Time for RMD Math | A Life Change That Also Triggers a Change in Financial Advisors

Nov 2, 2025·—

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On this episode: Want to know how much to save? Look at how people spend in retirement. One long retirement rule says if you only spend 4% of your retirement money per year, you’ll never run out. Is it true? People will...

The Mag 7 and The Suspicious 8

Oct 28, 2025·—

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The tech stocks have been holding up the stock market and perhaps your retirement accounts. We found another category that may be holding you back. Like this episode? Hit that Follow button and never miss an episode! 💬...

What to Do When the Market Headlines Are Flashing Red | Are the New Social Security Fixes Going to Work?

Oct 25, 2025·—

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On this episode: Should you tinker with your risk profile as the headlines change? There are two new ideas on saving Social Security. Will they work? Like this episode? Hit that Follow button and never miss an episode!...

Newsflash! There Are Lots of People That Are Happy in Retirement Who Didn’t Save Over a Million Dollars

Oct 21, 2025·—

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There are all sorts of headlines telling us we need to have 1.8 million dollars to retire. That is turning out not to be true. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and...

You Don’t Need 1.8 Million Dollars to Have a Great Retirement | You Could Lose Over 11 Thousand Dollars in 401(k) Money Next Year | Why Has the Opinion of Wall Street Changed About Some Financial Products?

Oct 18, 2025·—

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On this episode: 70% of retirees say retirement is better than they thought…and very few of these people have over a million dollars. The laws on 401(k)s are changing next year. Like this episode? Hit that Follow button...

You Love Working on Your Investments Every Day. Do You Have To?

Oct 14, 2025·—

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We found someone who works on his investments 5 hours every day. Is that the kind of retirement you want? What are the pros and cons of being a retirement DIYer? Like this episode? Hit that Follow button and never miss...

What Happens to Markets During a Government Shutdown? | Is Inflation Still a Big Retirement Issue? | Data on How People Spend Their Money in Retirement

Oct 11, 2025·—

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On this episode: This isn’t our first Government shutdown. What does history tell us? Inflation is now number 2 on the concern list for retirees. Should it be? How will your spending go over a 20 year retirement? Like...

Charisse Rivers Talks Origins and Impact of the Grilled Cheese Foundation

Oct 7, 2025·—

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Charisse Rivers established the Grilled Cheese Foundation to help local children with school supplies, after school activity needs and even college tuition. Here she talks about their Casino Night fund raiser on October...

Should Your Retirement Spending Go Down if the Market Goes Down? | Uncle Sam Has a Headlock on Your 401(k) | There’s New Interest in Dividend-Paying Stocks. Why?

Oct 4, 2025·—

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On this episode: Breaking free of the market dictating your retirement lifestyle. Saying “Uncle” won’t release the headlock on your 401(k). Dividend-paying stocks are seeing record numbers. What we can learn about...

Zinnia Wealth Supports Area Youth With the Grilled Cheese Foundation Event

Oct 3, 2025·—

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The Grilled Cheese Foundation is a 501C3 created by Charisse Rivers and the team at Zinnia Wealth. It’s designed to help young people with school supplies, equipment for sports and other after-school activities, and...

The Five Golden Rules of Retirement Planning

Sep 30, 2025·—

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We go through the Kiplinger "Five Golden Rules of Retirement Planning", including knowing your “L”s. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even more with...

Will Lower Interest Rates Affect Your Retirement? | Figuring Out Your Five “L”s of Retirement | What to Know About the Medicare Open Enrollment

Sep 27, 2025·—

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On this episode: Should you care about interest rates? Should you follow the billionaire’s retirement advice? The Medicare window opens soon. What do you need to know? What should you be discussing at your year-end...

7 Long Time Retirement Rules We Give You Permission to Break

Sep 23, 2025·—

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If you start to Google "retirement", you will see a lot of "rules of thumb". We list seven of them that may not apply anymore. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and...

Are You Missing the Obvious in Your Retirement Plan? | 7 Retirement Rules That Are Now Outdated | Your 401(k) Target Date Fund May See Changes Soon

Sep 20, 2025·—

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On this episode: You may have saved well and feel ready to retire. Are you missing something? Some longtime retirement rules that you can trash. IPOs, Bitcoin, and Private Equity may start showing up in your 401(k)...