Retirement Coffee Talk
byCharisse Rivers
BusinessInvestingEducationHow-ToNews
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 You...
Episodes(40 episodes)
John Calipari on Coaching, Curiosity, and Planning Life After Basketball
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! 💬 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.
Published: Mar 25, 2026Duration: 5m 52s
If You Are Losing Money in the Stock Market, When Is Enough, Enough?
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! 💬 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.
Published: Mar 24, 2026Duration: 8m 56s
Can My Retirement Plan Be Like My Car GPS? | To Pay Off Your Mortgage or Not
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! 💬 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.
Published: Mar 21, 2026Duration: 26m 56s
This May Be Your Biggest Challenge If You Want to Retire Early
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! 💬 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.
Published: Mar 17, 2026Duration: 12m 17s
What’s More Important to You: Growing Your Money or Protecting It? | Watch Out for This Early Retirement Trap
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! 💬 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.
Published: Mar 14, 2026Duration: 26m 16s
Can Retirement Planning Be Boiled Down to Three Things? | An Odd Difference Between People Who Are Preparing for Retirement and Those in Retirement | The Mistake Over 30% of Retirees Make
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 could trigger penalties, higher taxes, and Medicare surcharges. Breaking down RMDs and why proactive tax planning is non‑negotiable. Like this episode? Hit that Follow button and never miss an episode! 💬 Engage, Share, and Learn even...
Published: Mar 7, 2026Duration: 48m 32s
Interview: Chester Weber – Live Oak International
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! 💬 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.
Published: Mar 3, 2026Duration: 20m 26s
As Interest Rates Go Down, What Should You Do with Your Retirement Money? | You Lose Your Job 2 Years Before Retirement: Now What? | Interview With Chester Weber at Live Oak International
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! 💬 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.
Published: Feb 28, 2026Duration: 48m 25s
Should Gold Be a Part of Your Portfolio? | How Hard Is Your Advisor Really Working for You? | Will AI Eliminate Retirement Planning and Saving?
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! 💬 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.
Published: Feb 21, 2026Duration: 50m 21s
How Do You Create Your Paycheck in Retirement?
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! 💬 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.
Published: Feb 17, 2026Duration: 10m 14s
The Question Everyone Has No Matter Their Wealth | Are Bonds Out of Favor? | Dealing With Your Biggest Retirement Expense
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! 💬 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.
Published: Feb 14, 2026Duration: 50m 53s
Why the Numbers They Tell You to Save Are Wrong
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! 💬 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.
Published: Feb 10, 2026Duration: 7m 53s
Avoiding the Retirement Budget Buster | Your Retirement Decision After a Surprise Job Loss
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! 💬 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.
Published: Feb 9, 2026Duration: 27m 7s
THIS Is When the Fear of Running Out of Money Starts to Go Away | Things to Watch Out for When Getting an Inheritance
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! 💬 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.
Published: Jan 31, 2026Duration: 25m 23s
10 Signs You Know It’s Time to Retire
Do you have “retirement fever?” See if you can see yourself in our list. 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.
Published: Jan 27, 2026Duration: 9m 30s
Did This Lottery Winner Make a Bad Decision? | What This DIYer Got Wrong in His Retirement Planning
On this episode: Lump sum or monthly payout: What would you choose as a lottery winner? A man who handled his own retirement planning and retired before 60 shares what he got wrong. 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.
Published: Jan 24, 2026Duration: 29m 8s
There Are Some Who Spend Confidently in Retirement. What Do They Have in Common?
JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do this. 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.
Published: Jan 20, 2026Duration: 7m 11s
The Roaring 20s Ended in the Great Depression, Will the 2020s End the Same Way? | What Do the People Who Spend Freely in Retirement Have in Common?
On this episode: There are some strange "coincidences" between the 1920s and the 2020s. But what does that really mean? JP Morgan did a study and found that people who have lower anxiety and enjoy retirement more…do this. 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.
Published: Jan 17, 2026Duration: 26m 27s
She Says, "It Was the Worst Retirement Decision of My Life"
Waiting to take your Social Security can get you a bigger check. But at what cost? 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.
Published: Jan 13, 2026Duration: 7m 23s
Will 2026 Be a Better Year to Retire Than 2025? | Can “Buying the Dip” Be Successful? | The 4 Most Common Questions for Financial Advisors
On this episode: Interest rates are down; market predictions are uncertain. Should that be a factor in your retirement decision? If you have cash on the sidelines, can you buy the dip and time the market? What does the 2026 tax conversion look like. 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.
Published: Jan 10, 2026Duration: 49m 20s