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

Episodes

December 31, 2025 β€’ 13 mins

If nothing is done, Social Security will be cutting back benefits in less than 10 years. There are a lot of ideas to solve the problem, but no one can agree. We’ll look at some of the ideas and discussion.

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

See omnystud...

Mark as Played

On this episode:

  • What do turkey-flavored Oreos have in common with financial products that aren’t what they seem?

  • Are your retirement funds hiding surprises? Uncover the overlooked pitfalls of target date funds.

  • Is generosity now a threat to your own retirement security? 

  • Is wiping out all your debt before retirement a smart move—or a costly mistake?

Like this episode?  Hit that Follow butto...

Mark as Played
December 24, 2025 β€’ 9 mins

Movie stars and music artists get “royalties” for their past work. Can you do the same in retirement?

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ 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.

Mark as Played

On this episode:

  • Vanguard is offering a Target Date Fund with an annuity option. What could go wrong?
  • Turns out, retirees want more stability than the stock market provides.
  • If you DIY your retirement plan, what are the dangers?

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, Linke...

Mark as Played

There are currently record numbers of dividend paying stocks being purchased. Why? Is it something you should look into?

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ 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.

Mark as Played
December 16, 2025 β€’ 8 mins

Being debt free would be great going into retirement…but will you hurt your retirement prospects by doing it? We discuss good debt and bad debt and how to make those decisions.

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ 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 ...

Mark as Played

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 this episode?  Hit that Follow button and never miss an episode! πŸ’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouT...

Mark as Played

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 free” temptation.

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth M...

Mark as Played

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! πŸ’¬ 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.

Mark as Played

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 insights on navigating care options, finding comfort, and embracing empathy during life’s most challenging moments. Whether you’re a retiree or caring for a family member, this episode offers reassurance, p...

Mark as Played
November 25, 2025 β€’ 13 mins

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 and never miss an episode! πŸ’¬ 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 ...

Mark as Played

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 miss an episode! πŸ’¬ 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 i...

Mark as Played

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! πŸ’¬ 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.

Mark as Played

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 miss an episode! πŸ’¬ 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...

Mark as Played
November 11, 2025 β€’ 7 mins

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! πŸ’¬ 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.

Mark as Played

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! πŸ’¬ 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.

Mark as Played
November 4, 2025 β€’ 20 mins

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

See omnystud...

Mark as Played

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 many times leave their financial advisor when THIS happens.

Like this episode?  Hit that Follow button and never miss an episode! πŸ’¬ Engage, Share, and Learn even more with Charisse and her tea...

Mark as Played
October 28, 2025 β€’ 12 mins

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! πŸ’¬ 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.

Mark as Played

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! πŸ’¬ 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.

Mark as Played

Popular Podcasts

    If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

    Dateline NBC

    Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

    The Burden

    The Burden is a documentary series that takes listeners into the hidden places where justice is done (and undone). It dives deep into the lives of heroes and villains. And it focuses a spotlight on those who triumph even when the odds are against them. Season 5 - The Burden: Death & Deceit in Alliance On April Fools Day 1999, 26-year-old Yvonne Layne was found murdered in her Alliance, Ohio home. David Thorne, her ex-boyfriend and father of one of her children, was instantly a suspect. Another young man admitted to the murder, and David breathed a sigh of relief, until the confessed murderer fingered David; β€œHe paid me to do it.” David was sentenced to life without parole. Two decades later, Pulitzer winner and podcast host, Maggie Freleng (Bone Valley Season 3: Graves County, Wrongful Conviction, Suave) launched a β€œlive” investigation into David's conviction alongside Jason Baldwin (himself wrongfully convicted as a member of the West Memphis Three). Maggie had come to believe that the entire investigation of David was botched by the tiny local police department, or worse, covered up the real killer. Was Maggie correct? Was David’s claim of innocence credible? In Death and Deceit in Alliance, Maggie recounts the case that launched her career, and ultimately, β€œbroke” her.” The results will shock the listener and reduce Maggie to tears and self-doubt. This is not your typical wrongful conviction story. In fact, it turns the genre on its head. It asks the question: What if our champions are foolish? Season 4 - The Burden: Get the Money and Run β€œTrying to murder my father, this was the thing that put me on the path.” That’s Joe Loya and that path was bank robbery. Bank, bank, bank, bank, bank. In season 4 of The Burden: Get the Money and Run, we hear from Joe who was once the most prolific bank robber in Southern California, and beyond. He used disguises, body doubles, proxies. He leaped over counters, grabbed the money and ran. Even as the FBI was closing in. It was a showdown between a daring bank robber, and a patient FBI agent. Joe was no ordinary bank robber. He was bright, articulate, charismatic, and driven by a dark rage that he summoned up at will. In seven episodes, Joe tells all: the what, the how… and the why. Including why he tried to murder his father. Season 3 - The Burden: Avenger Miriam Lewin is one of Argentina’s leading journalists today. At 19 years old, she was kidnapped off the streets of Buenos Aires for her political activism and thrown into a concentration camp. Thousands of her fellow inmates were executed, tossed alive from a cargo plane into the ocean. Miriam, along with a handful of others, will survive the camp. Then as a journalist, she will wage a decades long campaign to bring her tormentors to justice. Avenger is about one woman’s triumphant battle against unbelievable odds to survive torture, claim justice for the crimes done against her and others like her, and change the future of her country. Season 2 - The Burden: Empire on Blood Empire on Blood is set in the Bronx, NY, in the early 90s, when two young drug dealers ruled an intersection known as β€œThe Corner on Blood.” The boss, Calvin Buari, lived large. He and a protege swore they would build an empire on blood. Then the relationship frayed and the protege accused Calvin of a double homicide which he claimed he didn’t do. But did he? Award-winning journalist Steve Fishman spent seven years to answer that question. This is the story of one man’s last chance to overturn his life sentence. He may prevail, but someone’s gotta pay. The Burden: Empire on Blood is the director’s cut of the true crime classic which reached #1 on the charts when it was first released half a dozen years ago. Season 1 - The Burden In the 1990s, Detective Louis N. Scarcella was legendary. In a city overrun by violent crime, he cracked the toughest cases and put away the worst criminals. β€œThe Hulk” was his nickname. Then the story changed. Scarcella ran into a group of convicted murderers who all say they are innocent. They turned themselves into jailhouse-lawyers and in prison founded a lway firm. When they realized Scarcella helped put many of them away, they set their sights on taking him down. And with the help of a NY Times reporter they have a chance. For years, Scarcella insisted he did nothing wrong. But that’s all he’d say. Until we tracked Scarcella to a sauna in a Russian bathhouse, where he started to talk..and talk and talk. β€œThe guilty have gone free,” he whispered. And then agreed to take us into the belly of the beast. Welcome to The Burden.

    SmartLess

    "SmartLess" with Jason Bateman, Sean Hayes, & Will Arnett is a podcast that connects and unites people from all walks of life to learn about shared experiences through thoughtful dialogue and organic hilarity. A nice surprise: in each episode of SmartLess, one of the hosts reveals his mystery guest to the other two. What ensues is a genuinely improvised and authentic conversation filled with laughter and newfound knowledge to feed the SmartLess mind. Subscribe to SiriusXM Podcasts+ to listen to new episodes of SmartLess ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus.

    The Breakfast Club

    The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!

Advertise With Us
Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

Β© 2025 iHeartMedia, Inc.