WWMFinancial – WWM Financial

Should Higher Bond Yields Change Your Retirement Plan?

Oct 25, 2026

More income with less risk? With Treasury bond yields climbing, retirees and investors may be wondering whether it’s time to rethink their retirement investment strategy.

In this episode, Catherine Magaña explores the question: Should higher bond yields change your retirement plan? From U.S. Treasuries to corporate bonds, higher interest rates may create new opportunities for retirement income—but are they worth shifting away from stocks?

Before making changes, there’s more to consider than just attractive yields. Taxes, inflation, investment risk, and your long-term financial goals all play a role.

In this episode:

How rising Treasury yields could impact retirement income
The differences between Treasury bonds and corporate bonds
Why higher yields don’t necessarily mean less risk
How inflation and taxes affect your investment returns
Why your retirement timeline and income needs matter
How pledged asset lines may help with short-term financing when buying or selling a home

Could higher bond yields mean more income and less risk for your retirement?

Tune in to discover why the answer depends on your overall financial plan.

Date Recorded: 10/15/26

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Disclosure:

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190

Is AI Spending Putting The Stock Market At RISK?

Oct 22, 2026

AI Spending and Stock Market Risks: 3:34–13:42

Billions of dollars are pouring into artificial intelligence, but here’s the big question: Will all this AI spending actually pay off, or could it put the stock market at risk?

In this episode, the WWM Financial team explores the growing concerns surrounding massive AI investments, unexpected tech stock selloffs, and why some AI stocks are falling despite strong earnings. With companies spending heavily on data centers and even borrowing to fund expansion, investors are beginning to question when the returns will materialize.

In this episode:

Why AI stocks are experiencing sudden market volatility
How massive AI spending could impact the stock market
What’s driving investors toward defensive stocks
Why diversification matters during unpredictable markets
Year-end tax planning strategies, charitable giving changes, and Roth conversions
How investor fear can influence market movements

Is AI’s billion-dollar gamble creating opportunities or warning signs for investors?

Tune in as the WWM Financial team breaks down the risks, potential rewards, and what this could mean for your investment portfolio.

Date Recorded: 10/22/26

Schedule A FREE Call

Disclosure:

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190

How Much Can You Spend In Retirement Without Running Out Of Money?

Oct 18, 2026

You’ve spent decades saving for retirement. Now comes the scary part—actually spending it! Can you finally take that dream vacation, help your grandchildren, or enjoy more of your hard-earned savings without worrying about running out of money?

In this episode, Catherine Magaña and Rachel Ivanovich tackle the big question: How much can you spend in retirement without running out of money? From the popular 4% withdrawal rule to retirement income planning, the team explores why having enough savings doesn’t always mean feeling comfortable spending them.

In this episode:

Why retirees struggle to switch from saving to spending
How Social Security, pensions, and investments support retirement income
Why the 4% rule isn’t right for everyone
How inflation, healthcare costs, and market downturns affect retirement withdrawals
How to balance enjoying retirement today with protecting your financial future

Can you spend more than you think? Discover how thoughtful retirement spending strategies can help you enjoy the life you’ve worked so hard to build.

Date Recorded: 10/08/26

Schedule A FREE Call

Disclosure:

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190

Why Is Inflation Still rising And What’s Behind The Surge?

Oct 15, 2026

What’s Fueling the Inflation Surge?: 5:40–8:20

Inflation is heating up again, but what’s really behind the latest surge? While some everyday prices are falling, others are climbing at an alarming pace—and one major factor is putting renewed pressure on the economy.

In this episode, the WWM Financial team uncovers inflation’s biggest driver, examining how rising energy prices, gasoline costs, and unexpected inflation reports are affecting consumers and investors. Could energy costs be keeping inflation higher than expected?

Plus, what does rising inflation mean for the Federal Reserve, interest rates, and the stock market? The team explores how shifting economic conditions could influence investment decisions and what investors should be watching next.

Also in this episode:

Why inflation remains a concern for the Federal Reserve
How AI stocks and market volatility are affecting investors
What rising Treasury yields could mean for retirement income planning
How consumer spending is holding up despite higher prices
Why understanding economic trends matters for your investment strategy

Tune in to discover what’s driving inflation in 2026 and what it could mean for your financial future.

Date Recorded: 10/15/26

Schedule A FREE Call

Disclosure:

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190

Do We Have Enough to Retire? 3 Questions to Ask Before You Stop Working

Oct 11, 2026

Retirement is finally within reach. You’ve worked hard, built your savings, and started imagining life without a nine-to-five schedule. But there’s one question that can make even the most prepared retirees hesitate: Do you actually have enough to retire?

Leaving your paycheck behind can be exciting—and a little nerve-racking. How do you know your savings will last? Can you afford to travel, maintain your lifestyle, and enjoy retirement without constantly worrying about running out of money?

In this episode, Catherine Magaña and Rachel Ivanovich break down 3 essential questions to ask before you stop working and explains why retirement readiness involves much more than reaching a certain savings number.

In this episode:

• How to estimate retirement expenses, including travel, healthcare, and inflation

• Where retirement income comes from, including Social Security, pensions, and investments

• Why withdrawal strategies, taxes, and market downturns matter

• How to make sure your retirement plan works for both spouses

• Why thoughtful planning can help you retire with greater confidence Before you say goodbye to your paycheck, find out what it really takes to retire with confidence.

Date Recorded: 10/01/26

Schedule A FREE Call

Disclosure:

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190