Retirement Coffee Talk

Hosted by Charisse Rivers

Business Education NewsInterviews guestsExplicit

Website RSS feed LinkedIn Facebook Instagram YouTube

Episodes

463

Latest episode

Jun 2026

Language

About the show

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 !

Listen to episodes

60 recent

June 16, 202614 min

Your Grandpa’s Portfolio Won't Work: Retiring by Design

Are you unknowingly setting a tax trap at your retirement finish line? In this episode of Retirement Coffee Talk, host Charisse Rivers breaks down why "cookie-cutter" investment strategies leave retirees vulnerable to unnecessary tax bills and market volatility. Discover how to transition away from traditional, product-focused portfolios and toward a customized plan engineered around your unique income goals. Charisse explains her signature "three buckets" framework—categorizing your assets into tax-deferred, taxable, and tax-free vehicles—to build an inflation-adjusted stream of revenue. Learn how to strategically shift your wealth so you can retire by design, not by hope. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

June 13, 202646 min

Retiring by Design: Ditching Cookie-Cutter Financial Advice

Instead of falling into the "cookie-cutter" trap of big bank brokerages, how do you successfully navigate modern market volatility and unexpected tax bills at the finish line? Host Charisse Rivers breaks down her signature approach to active wealth management, rejecting rigid savings lectures in favor of personal empowerment. Discover how to strategically shift your assets into tax-free accounts, avoid the "jiggle effect" of high-risk markets, and build an inflation-adjusted income bucket system. It is time to ditch outdated formulas, confidently fund your dream lifestyle, and actively design a retirement tailored entirely to you. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

June 9, 202618 min

Is Your Retirement Strategy Stuck on Autopilot?

Is your retirement strategy running on autopilot in an unpredictable market? In this episode of Retirement Coffee Talk, Charisse Rivers Zinnia Wealth breaks down why relying on standard tech-heavy portfolios and "set-it-and-forget-it" rebalancing could expose you to high levels of risk. Discover how to shift gears between safe money strategies and growth buckets as market conditions evolve. Plus, learn how to turn your accumulated 401(k) savings into a reliable personal pension, allowing you to bridge the income gap, navigate changing interest rates, and retire confidently on your own terms. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

June 6, 202648 min

The AI Stock Illusion: Is Your Retirement Portfolio at Hidden Risk?

Are you approaching today's volatile market with one foot on the gas and one foot on the brake? In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the illusions of the artificial intelligence stock boom and exposes the hidden dangers of standard autopilot investing. Learn why traditional 60-40 portfolios fail when interest rates shift, how to bridge the income gaps left behind by vanishing corporate pensions, and structural strategies to safeguard your lifetime savings from unexpected black swan market events. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

June 2, 202618 min

Beyond the Budget: The Real Cost of Unplanned Retirement Splurges

Saying goodbye to a client because they won't stop overspending highlights the delicate balance between enjoying your hard-earned wealth and outliving your money. Host Charisse Rivers of Zinnia Wealth challenges traditional, restrictive financial advice and deconstructs the popular "three-fund portfolio" strategy. Discover why a cookie-cutter approach to stocks and bonds can expose your nest egg to severe market downturns. This episode breaks down the math behind active portfolio management, exploring how tailored risk buckets can help protect your lifestyle so you can focus on vacationing rather than worrying about market volatility. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

May 30, 202647 min

The "Permission to Spend" Portfolio

Forget the finger-wagging advice of old-school financial gurus who tell you to skip your morning coffee. This episode breaks down why modern retirement planning isn't about restriction—it's about finding the confidence to spend the wealth you worked decades to build. From stress-testing budget "splurges" to moving past rigid, cookie-cutter asset models, discover how sophisticated, IRS-approved tax strategies can protect your legacy from the government. Plus, get an insider look at high-level wealth management insights straight from unexpected conversations on the golf course. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

May 26, 202610 min

The DIY Retirement Trap: Is Your Portfolio Outliving Your Planning?

Spending five hours a day managing your own investment portfolio might feel productive, but what critical elements of your retirement plan are falling through the cracks? In this episode of Retirement Coffee Talk, Charisse Rivers of Zinnia Wealth explores the hidden risks of do-it-yourself financial management. From overlooked tax strategies and Medicare rules to the realities of cognitive decline and protecting a surviving spouse, true retirement readiness goes far beyond daily market charts. Discover why even the most dedicated portfolio managers eventually step back to focus on living their retirement years instead of working them. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

May 23, 202653 min

Saying Uncle to Uncle Sam: Outsmarting Retirement Tax Traps

Retirement isn’t as complex as the big banks want you to think, but transitioning from collecting a paycheck to generating your own requires a completely different strategy. Host Charisse Rivers breaks down the realities of the decumulation phase, exposing why traditional 60/40 portfolios fall short. Learn how to navigate the physical and mental phases of aging, optimize Social Security timing, and outsmart Uncle Sam’s lurking RMD tax traps. Whether you are a hands-on investor or a financial novice, it is time to turn the market noise into a structured, reliable income plan. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

May 19, 20269 min

Why Retire Just to Spend Less? The Math No One Questions

What if the biggest mistake retirees make isn’t running out of money—but not using it when life is best? On this episode of the Retirement Coffee Talk Podcast, Charisse Rivers takes a closer look at long‑standing retirement income formulas that suggest spending less once the paychecks stop. In this conversation, the focus is on where rules like “80% of income” come from, why many retirees quietly scale back even more, and how fear around markets, taxes, long‑term care, and legacy planning shapes those decisions. By breaking retirement into different spending phases, this episode challenges listeners to rethink what retirement income was truly designed to support—especially in the years when energy and opportunity are highest. Like this episode?  Hit that Follow button and never miss an episode! 💬 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.

May 16, 202625 min

Why Are You Still Writing Checks to the IRS in Retirement? | Can Your Portfolio Handle the Next Market Drop?

On this episode: For years you wrote a check to Uncle Sam in April. Now that you’re retired, that should change… right? Maybe not. The formulas say you need 80% of your working-years income in retirement. Is that actually true? Like this episode?  Hit that Follow button and never miss an episode! 💬 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.