On this week's show:

• Those unused gift cards in your wallet or purse have something in common with your retirement portfolio.

• There are 7 Trillion dollars in CDs and Money Markets. Where should you put your money now?

• Everyone says lower your stock market risk in retirement. We found one advisor that completely disagrees. Is he crazy?

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Everyone seems to ask “When is the BEST time to see a financial advisor?" Today we flip that around. When is the WORST time to see a financial advisor?

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On this week's show:

• As Inauguration Day approaches, what does history show us about the market after a new president is elected?
• Developing your own personal pension.
• 8 things to check off your list before retirement.
• A survey shows that many people have a misconception about Social Security benefits.

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There may come a time near retirement where you should switch from your employer 401(k) to something else. When and why?

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A new study shows many people are not getting this most important planning tool from their financial advisor. Don’t let this happen to you. Plus: What happens when you ask Charisse for a second opinion on your current financial plan?

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Retirement planning is more than just investments. Do you have the knowledge to deal with taxes, Medicare, and Social Security? We’ll discuss the big 5 that people miss.

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On this week's show:

• Should the change in interest rates, the economy and the White House have you changing your retirement strategy?
• Is moving money from an IRA to a Roth a good idea for your retirement?
• The Top 5 Things people neglect if they try to do retirement planning alone.

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Charisse Rivers helps people everyday protect their money for retirement. She also has an interest in the people who are protecting our way of life in Marion County. Today she highlights Marion County Fire and Rescue Chief James Banta.

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Charisse Rivers helps people build a better life with retirement planning. She also has a vested interest in making life better in Ocala. Today she highlights the efforts of Ocala Police Chief Mike Balken.

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Going through a 20-year retirement without growing your money would be difficult. But losing the money in a market crash could be devastating. Protection or growth: How do you choose?

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