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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

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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

Rachel Ivanovich Tedx

Oct 9, 2026

Built In The Mess

Life doesn’t have to be complete to be meaningful. In her TEDx talk, Rachel Ivanovich shares how an 11-year home renovation became a lesson in resilience, growth, and finding joy along the way.

Watch for a refreshing reminder that happiness doesn’t have to wait until everything is finished.

#PersonalGrowth #Resilience #EmbraceTheJourney #TEDx #savvyup

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

What Causes Stock Market Volatility And How Can You Prepare?

Oct 8, 2026

What’s behind the stock market’s recent ups and downs? From rising oil prices and shifting interest rate expectations to geopolitical tensions and upcoming midterm elections, several factors are influencing the markets. Understanding what’s driving these changes can help investors put short-term fluctuations into perspective.

In this episode, the WWM Financial team explores the forces behind stock market volatility and what they could mean for your investments. The conversation covers rising Treasury yields, the Federal Reserve’s next moves, concerns surrounding AI spending, and the growing concentration of major technology stocks. Plus, the team discusses why maintaining a long-term investment strategy can be more valuable than reacting to every market headline.

In this episode:

What’s contributing to stock market volatility
How oil prices and geopolitical tensions influence markets
What rising Treasury yields and Fed decisions mean for investors
Why technology stock concentration matters
How midterm elections could affect market sentiment
Year-end tax planning and Roth conversion considerations
How much you can comfortably spend in retirement

Markets change, but a thoughtful investment strategy can help you stay focused on what matters most.

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

Will Medicare Cost More After A Roth Conversion?

Oct 4, 2026

Could a Roth conversion unexpectedly increase your Medicare premiums?

Roth conversions can be a powerful retirement tax-planning strategy, but the tax bill isn’t the only number to consider. In this segment, Catherine Magaña and Rachel Ivanovich discuss how Roth conversion income can affect your modified adjusted gross income (MAGI), potentially triggering IRMAA and higher Medicare Part B and Part D premiums.

In this episode:

How a Roth conversion can affect Medicare premiums
Why Roth conversion income matters for IRMAA
Medicare’s two-year income lookback
Why higher Medicare costs don’t automatically make a Roth conversion a bad decision
When to reevaluate a Roth conversion before year-end
How future tax brackets and RMDs can factor into long-term planning

A Roth conversion can have ripple effects beyond your tax return. The key is understanding how today’s decision could affect your Medicare costs and retirement taxes in the years ahead.

If you’re considering a Roth conversion and want to understand how it fits into your bigger retirement picture, WWM Financial is here to help you evaluate the moving pieces before you make the decision.

Date Recorded: 9/24/26

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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

What Should Investors Do With Interest Rates This High?

Oct 1, 2026

⏱ Interest Rates, Bond Yields & Market Update — 0:51–11:21

What should investors do with interest rates this high? With bond yields elevated, inflation still in focus, and uncertainty surrounding the Federal Reserve, investors are facing a very different environment for stocks and bonds.

In this episode, the WWM Financial team breaks down what today’s higher interest rates could mean for investors. We look at rising Treasury yields, CDs versus Treasuries, the outlook for Fed rate decisions, and why bonds are getting more attention as yields become increasingly attractive.

We also explore the forces putting pressure on the stock market—including inflation, oil prices, and geopolitical uncertainty—and what investors may want to watch as earnings season approaches.

In this episode:

What high interest rates could mean for investors
Why rising bond yields matter for stocks
Stocks vs. bonds in a higher-rate environment
How inflation and oil prices could influence Fed decisions
What investors should watch as earnings season begins
Retirement planning and Roth IRA considerations

If you’ve been wondering what higher interest rates could mean for your investments—or whether the changing rate environment should have you thinking differently about stocks and bonds—this episode is worth a watch.

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