Retirement Coffee Talk

Hosted by Charisse Rivers

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Episodes

497

Latest episode

Oct 2026

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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

October 17, 202651 min

Why Your Retirement Portfolio Needs a Year-End Tax Strategy

Are you unknowingly writing hefty tax checks to the government during retirement? In this episode of Retirement Coffee Talk, host Charisse Rivers explores smart year-end financial moves. Discover how tax loss harvesting can offset capital gains without extra fees. Plus, learn how to build your own income stream, navigate gifting inheritance to children early, and manage portfolios when the market stays high. Tune in for practical, fiduciary guidance to help you enjoy the wealth you built. 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.

October 13, 202614 min

Life After Work: Is Your Retirement Strategy Ready?

Is fear of a market crash keeping you from enjoying your hard-earned retirement? Charisse Rivers of Zinnia Wealth explains how you can transition smoothly from accumulating wealth to generating reliable income. Instead of living by financial headlines or arbitrary savings targets, discover how a structured bucket strategy insulates your lifestyle from market downturns. Learn how shifting your focus from a single lump-sum target to a sustainable monthly withdrawal plan allows you to navigate life’s changing seasons with confidence. 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.

October 10, 202648 min

Stop Letting Market Crashes Steal Your Retirement

Tired of letting market crashes and tax uncertainty dictate your retirement? Join Charisse Rivers as she breaks down how to build a bulletproof income plan, avoid the sequence of returns trap, and maximize your wealth with smart Roth conversions. Discover how moving beyond the big number helps you focus on what really matters: your monthly lifestyle and lasting legacy. 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.

October 6, 202618 min

Can You Really Retire at 57? What Your Financial Plan Must Include

Market volatility keeping you awake at night, or wondering if you can hang up your work boots early? Discover how to protect your lifestyle against market swings and evaluate whether a 57 retirement is realistic for you. Join Charisse Rivers from Zinnia Wealth as she breaks down essential strategies for building dependable retirement paychecks, managing investment risks, and designing an income plan that offers true peace of mind. 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.

October 3, 202649 min

Is Market Panic Costing You Your Retirement Dreams?

Are market headlines keeping you up at night? Discover how to protect your life savings, build a reliable monthly paycheck, and navigate early retirement without the stress of market volatility. In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the Xinnia five-pillar strategy for wealth, risk management, and tax-efficient withdrawal planning. Learn how smart diversification can help you weather any storm and keep your retirement lifestyle intact. 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.

September 29, 202618 min

Why Your Next Portfolio Review Could Save You Thousands

Are you prepared for a market downturn when you are no longer receiving a regular paycheck? In this episode of Retirement Coffee Talk, host Charisse Rivers dives deep into the realities of the decumulation phase, uncovering the dangers of "financial amnesia" and sequence of returns risk. Learn why traditional 60/40 portfolios might be exposing you to unnecessary volatility, how hidden mutual fund fees can drain hundreds of thousands of dollars from your savings, and why a customized income plan is essential to protect your lifestyle in retirement. 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.

September 26, 202649 min

From Accumulation to Decumulation: Crafting a Bulletproof Retirement Income Plan

Stop waiting for the next market crash to dictate your golden years. In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the critical shift from wealth accumulation to the decumulation phase of life. Discover why financial amnesia leaves retirees vulnerable to sequence of returns risk, how hidden mutual fund fees drain hundreds of thousands from your nest egg, and why a diversified income plan is your best defense against economic uncertainty. Tune in to learn how to build a personalized strategy that lets you spend with confidence—without the constant worry of running out of money. 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.

September 22, 202617 min

Stress-Testing Your Retirement: Stock Market Swings and Social Security Cuts

Trading card crazes might teach surprisingly sharp lessons about market downturns, smart investments, and long-term financial survival. Host Charisse Rivers unpacks strategies for navigating market volatility and potential Social Security reductions. Unpacking everything from market pullbacks to portfolio diversification, this episode explores how custom exit strategies, zero-loss solutions, and safe-money buckets help shield retirement plans from economic shifts. Learn how stress-testing an income strategy creates lasting confidence, protects future legacies, and ensures financial independence through every market cycle. 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.

September 19, 202650 min

Pokemon Cards, Market Drops, and Your Money: Is Your Portfolio Ready?

Pokemon trading cards might just teach you more about modern wealth management than traditional financial headlines ever could. In this episode of Retirement Coffee Talk , host Charisse Rivers breaks down unconventional income strategies, navigating stock market pullbacks, and the real possibility of future Social Security benefit reductions. Learn how proactive asset allocation, active portfolio adjustments, and structured income plans protect your life savings from unexpected economic shifts. Whether you are managing family dynamics or mitigating market volatility, discover actionable guidance to build confidence and financial resilience for your future. 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.

September 15, 202618 min

Overcoming Tax Time Bombs: Inherited IRAs, the Secure Act, and Your Money

While headlines claim you need $1.4 million to retire happily, most satisfied retirees thrive on far less by mastering their income strategies and eliminating debt. On this episode of Retirement Coffee Talk , Charisse Rivers breaks down why broad-brush financial benchmarks miss the mark for real-world retirees. Discover how strategic income planning, navigating new Secure Act 10-year inherited IRA distribution rules, and avoiding common estate planning blunders can unlock up to 30% more spendable retirement income. Tune in to learn how to live by design, optimize your guaranteed paychecks, and safeguard your financial legacy against shifting tax laws. 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.