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. đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!
Episodes
On this episode:
- Finding a place for your money, IN and OUT of the stock market.
- When should you do your Roth conversion?
- The mistake retirees don’t seem to learn.
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SECO Energy CEO Curtis Wynn joins Charisse to explain why electric costs are rising, how Florida’s power grid works, and what growing demand from data centers and AI means for consumers. The conversation covers affordability, infrastructure planning, and practical ways households can reduce energy use without sacrificing comfort.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and ...
On this episode:
- If the current market losses are keeping you up at night, what does it say about your retirement plan?
- Your 401(k), your house, your pension: all will be retirement assets. You might be missing the biggest one of all.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram,...
If you get an inheritance, how do you honor the person who gave it to you, be responsible, but also have some fun?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
Uncle Sam says there comes a time when you MUST take money out of your 401(k)s and IRAs. A lot of us get that calculation wrong.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
On this episode:
- A CD and a bond pay this; an annuity pays that. How do you find the financial vehicle to provide you the paycheck you need in retirement?
- One factor that is adding to the volatility of the 2026 stock market.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn ...
Charisse Rivers sits down with John Calipari, former long-time Kentucky basketball coach and current head coach at Arkansas, to discuss leadership, motivation, and life beyond the court. Calipari reflects on teaching curiosity and humility, preparing young athletes to understand money, and how he thinks about legacy and planning for the future.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Sh...
Everyone has their breaking point for stock market losses. When do you pull out and go to cash OR how can you avoid that scenario altogether?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
On this episode:
- A GPS tells me step by step how to get to my destination. Can a retirement plan do the same?
- Should you pay of your mortgage or carry it into retirement?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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 in...
Early retirement may mean taking Social Security at 62. But what do you do about healthcare?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
On this episode:
- What’s your goal from growing your money: 3%, 5%, beat the market? Is that important in retirement?
- This might be your biggest hurdle if you want to retire early.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!
See omnystudio.com/listener...
On this episode:
- Think retirement is just about saving? Discover the three numbers that matter most — what’s coming in, what’s going out, and whether your savings can truly support your lifestyle.
- Markets rise, markets fall — but bad decisions can be costly. Learn how emotional reactions and poor timing can drain retirement income without a smart, written income strategy.
- Turning 73? One missed move cou...
Chester Weber has made his living around horses. He has created one of the premiere events in the Ocala area at Live Oak International. What do you need to know to attend?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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 informat...
On this episode:
- Buy short-term bonds when rates are going up, buy long-term bonds as rates are going down. Is there anything else?
- What’s your action plan if you lose your job a few years shy of retirement?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube...
On this episode:
- Gold prices are going through the roof. Should you buy in?
- How often should you meet with your financial advisor?
- Elon Musk says technology will end the need for retirement saving. Is that possible?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTu...
From the 4% rule to pulling money as you need it, there are a lot of ways to determine your retirement paycheck. What are the pros and cons of each one?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
On this episode:
- Whether you have $5 million or $500 thousand, everyone seems to be asking THIS question.
- Interest rates are down. Should you give up on bonds?
- People are more worried about THIS than the price of food and housing in retirement.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, ...
When you see the articles that say you need $1.5 million to retire, it can be depressing. There is an important factor these numbers don’t include.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ 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.
On this episode:
-
Unexpected expenses will likely happen to you in retirement. How do you include that in your retirement budget?
-
What happens when you lose your job a few years before retirement?
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and YouTube!
See omnystudi...
On this episode:
-
The fear of running out of money is widespread. We found the point when that fear nearly goes away.
-
Taxes, step up basis, taxable, tax deferred…inherited money comes with some homework.
Like this episode? Hit that Follow button and never miss an episode! đź’¬ Engage, Share, and Learn even more with Charisse and her team at Zinnia Wealth Management: Facebook, Instagram, LinkedIn and...
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