Financial Planning | WWM Financial

Countdown to Year-End: Market Insights, Rate Shifts, and Tax Must-Dos

Oct 15, 2025

The markets are moving, the government’s at a standstill (again), and gold just hit a record high, so what does it all mean for your money? In this week’s episode, Catherine Magaña, Rachel Ivanovich, Steve Wolff, and Greg Carroll unpack the biggest financial headlines with their trademark mix of insight and humor.

From the government shutdown’s ripple effect on the IRS and rate cuts, to the surprising strength of small-cap stocks and AI’s continuing dominance, the team breaks down what’s driving today’s market highs and what you should be watching next.

Rachel also shares critical Medicare and HSA planning tips (hint: don’t mix them up!) and reminds everyone that October 15th is more than just a date on the calendar, it’s a major tax deadline.

Whether you’re curious about how global events might shake up the markets or just trying to make sense of rising prices and shifting rates, this episode connects the dots between the headlines and your financial life. The team shares practical takeaways to help you stay grounded, protect your portfolio, and make confident decisions, no matter what’s happening in the economy

🎧 Tune in to get clarity, perspective, and a few good laughs along the way.

Date Recorded: 10/09/25

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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

Will Your Retirement Savings Last? Avoid These Costly Mistakes

Oct 1, 2025

Think retirement is a 10–15 year journey? Think again. With longer lifespans, rising healthcare costs, and the silent creep of inflation, many people drastically underestimate just how long their retirement will last and how much it will cost.

In this episode, Catherine Magaña, Steve Wolff, Rachel Ivanovich, and Greg Carroll break down one of the biggest retirement mistakes: not planning for enough years or enough dollars. From surprising facts about Medicare gaps and Social Security’s uncertain future to why working just one more year can make a huge difference, the team shares eye-opening insights and practical strategies.

You’ll also hear stories from real client experiences, a few laughs about public speaking fears versus running out of money, and timeless lessons about why your plan needs to evolve as your life does.

Whether you’re five years from retirement or already in it, this episode will help you rethink your timeline, prepare for unexpected costs, and build a plan that lasts as long as you do.

🎧 Tune in now – your future self will thank you.

Date Recorded: 8/15/24

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

To Pay Off Or Not To Pay Off The Mortgage

Jul 22, 2025

Should You Pay Off Your Mortgage? The Surprising Truth

It’s the classic retirement question: Should you pay off your house? In this lively episode, Catherine, Steve, Rachel, and Greg unpack why this isn’t such a simple decision — and why the “peace of mind” that comes from being mortgage-free might come at a big financial cost. From low-interest-rate mortgages that can actually work in your favor, to the hidden downsides of tying up all your money in real estate, the team shares real-life client stories and eye-opening advice. Learn how a house can be a hedge against inflation, why liquidity matters, and how to avoid the trap of thinking “my home is my retirement plan.” If you’ve ever wondered whether doubling up on payments or raiding your 401(k) to pay off the house is a smart move, this episode is for you. Tune in for thoughtful, entertaining, and sometimes contrarian insights that just might change the way you think about your biggest asset.

Watch the video above or click the link here to listen: https://wwmfinancial.com/podcast/

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

The Truth About Deficit Spending

Jun 12, 2025

In this episode of the WWM Podcast, we explore how rising government deficit spending could affect wealthy investors and the broader economic outlook. We take a close look at recent market movements, the unexpected uptick in Core CPI, and how new tariffs may be influencing inflation data. We also highlight where investors are putting their money right now, review year-to-date performance in the industrial sector, and share proactive tax planning strategies for high-net-worth individuals looking to stay ahead of policy and market shifts.

Watch the video above or click the link here to listen: https://wwmfinancial.com/podcast/

If you want to understand what’s going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

Date Recorded: 6/12/2025

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

A Deep Dive Into The Mega Backdoor Roth IRA

Feb 3, 2025

Are you ready to unlock the full potential of your retirement savings? Join us for an exclusive webinar where we’ll explore one of the most powerful—and often overlooked—strategies available to high-income earners: the Mega Backdoor Roth IRA. Discover how this approach can help supercharge your retirement portfolio with tax-free growth opportunities, allowing you to maximize your contributions and avoid costly tax implications in the future. In this session, we’ll cover:

• What the Mega Backdoor Roth IRA is and how it works

• Key benefits, eligibility, and potential pitfalls to consider

• Guidance on making the most of this strategy

• Examples to illustrate the power of tax-free growth

Whether you’re already familiar with Roth IRAs or are just beginning to explore unconventional retirement strategies, this webinar will provide you with the insights and actionable steps you can use to help take your retirement planning to the next level. 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 provided 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.

Schedule A FREE Call

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 provided 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.

How Can The Future Elections Affect The Market

Sep 27, 2024

The WWM Financial Podcast In this episode, Steve, Catherine, Vince, and Greg discuss how upcoming elections could shape the financial landscape.

Join us as we discuss the potential impacts on bonds and market volatility. If you want to understand what’s going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

Recorded 9/26/24

Schedule A FREE Call

WWM Financial is an SEC Registered Investment Advisor

The opinions expressed in this content 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. 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. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.