Retirement Coffee Talk

Hosted by Charisse Rivers

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Episodes

502

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

November 7, 202650 min

The Million-Dollar Retirement Myth You Need to Stop Believing

Discover why waiting for a magic retirement number could be costing you your best years. Join Charisse Rivers on Retirement Coffee Talk as she breaks down the hidden traps of wealth management, from maximizing the current window for Roth conversions to dodging high fees and navigating Medicare Irma rules. Whether you are wondering how to structure your withdrawals without running out of money or looking to make your savings work smarter, this episode delivers practical strategies to help secure your financial 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.

November 3, 202621 min

The Long-Term Care Sham: Are You Wasting Money on Your Insurance Policy?

Is the thought of running out of money in retirement terrifying? This Halloween season, we unpack the real monsters haunting your golden years—from inflation and rising taxes to the myths of long-term care policies. Join Charisse Rivers from Zinnia Wealth as she breaks down how to build a foolproof income plan that takes the scare out of retirement. Plus, discover how speculative trends like Pokémon cards and Bitcoin fit into a smart portfolio strategy, and learn why human connection matters more than ever. Tune in to take control of your financial future today! 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 31, 202649 min

Trick or Treat? The Shocking Truth About Taxes and Long-Term Care

Is your retirement plan haunted by hidden fears of running out of money, soaring taxes, and unexpected inflation? On this episode of Retirement Coffee Talk, Charisse Rivers unmasks the top financial nightmares keeping you awake at night and reveals how to replace anxiety with a rock-solid, custom income strategy. Plus, she explores why seniors are embracing "encore careers," how to navigate the new RMD rules, and whether you should gamble your nest egg on the latest speculative trends. Listen in and take the scare out of your financial future today! 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 27, 202618 min

The Danger of Financial Amnesia in Retirement

Are you unknowingly putting your retirement at risk by relying on financial habits built during your working years? In this episode of Retirement Coffee Talk, financial expert Charisse Rivers breaks down the hidden dangers of "financial amnesia" and sequence of returns risk. Discover why transitioning from the accumulation phase to the decumulation phase requires a completely different strategy, how hidden fees in mutual funds and 401k rollovers can quietly drain your savings, and why a customized income plan in writing is essential to protect your lifestyle from market downturns. 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 24, 202649 min

Why Your Accumulation Strategy Won't Work in Retirement

Are you relying on financial amnesia to protect your nest egg? In this episode of Retirement Coffee Talk, Charisse Rivers breaks down the hidden dangers of the accumulation-to-decumulation phase, the looming threat of sequence of returns risk, and why standard 60/40 portfolios could sabotage your lifestyle when the market inevitably tumbles. Learn how to transition from simply saving to building a secure, written income plan that safeguards your hard-earned wealth. 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 20, 202616 min

Tax Loss Harvesting Secrets: Pay Less to the IRS This Year

Navigating the emotional and financial shifts of major life transitions requires clear strategy and expert guidance. In this episode of Retirement Coffee Talk , host Charisse Rivers of Zinnia Wealth explores year-end financial moves to help protect your hard-earned assets. Discover how smart tax loss harvesting strategies reduce taxable income and learn practical ways to build a personal pension for guaranteed lifetime income—even in a strong market. Tune in to see how applying fiduciary math to your retirement goals empowers you to transition into your next season with confidence, ensuring you live by design rather than default. 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 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.