Investment Advisory Services are offered through Zinnia Wealth Advisory, LLC, a registered investment adviser. Zinnia Wealth Advisory, LLC and Zinnia Wealth Management, LLC are separate entities. Insurance products and services are offered and sold through Zinnia Wealth Management, LLC. Zinnia Wealth Advisory, LLC is registered as an investment adviser with the state of Florida and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability.

Check the background of Zinnia Wealth Management and its advisor representatives on F FINRA’s BrokerCheck.

The information, suggestions, and recommendations included in this material is for informational purposes only and cannot be relied upon for any financial, legal, accounting, tax or insurance purposes. Zinnia Wealth Management will not be held responsible for any detrimental reliance you place on this information. It is agreed that use of this information shall be on an “as is” basis and entirely at your own risk. The firm is not engaged in the practice of law or accounting. Tax, estate planning, and Social Security rules are subject to change at any time. Zinnia Wealth Management is not endorsed by or affiliated with the federal government or the Social Security Administration.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

Any references to “Television Appearances” across the website, including but not limited to videos of Money Matters and Retirement Coffee Talk with Charisse Rivers of Zinnia Wealth Management, are sponsored advertising paid for by Zinnia Wealth Management. Branded content was paid for by the adviser. Randy Cook, the co-host of Retirement Coffee Talk, is not affiliated with the firm.

Photos of celebrities and politicians should not be construed as a testimonial or endorsement by them for Zinnia Wealth Advisory, LLC, or Charisse Rivers. It is unknown if the persons interviewed approve or disapprove of the adviser’s services. The couple in the video on our Home Page is a current client. Their appearance should not be construed as a testimonial for the firm or Charisse Rivers. It is unknown if they approve or disapprove of the firm’s services. They have not been compensated, directly or indirectly, for their appearance.

Information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation.

Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.

All investments and strategies have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. Historical performance returns for investment indexes and/or categories, usually do not deduct transaction and/or custodial charges or an advisory fee, which would decrease historical performance results. There are no assurances that an investor’s portfolio will match or exceed any particular benchmark. Asset allocation and diversification will not necessarily improve an investor’s returns and cannot eliminate the risk of investment losses.

Insurance product guarantees are subject to the claims-paying ability of the issuing company and are not FDIC insured.

Third-party rankings and recognition from rating services and publications do not guarantee future investment success. Working with a highly-rated adviser also does not ensure that a client or prospective client will experience a higher level of performance. These ratings should not be viewed as an endorsement of the adviser by any client and do not represent any specific client’s evaluation. Generally, ratings, rankings and recognition are based on information provided by the adviser. Please contact the adviser for more information regarding how these rankings and ratings were formulated.