Market Update | WWM Financial

When The Government Stops, Should You? Money Moves During The Shutdown.

Nov 7, 2025

What happens when the government shuts down for 37 days, the IRS stops answering calls, and the market takes a breather? Catherine Magaña, Greg Carroll, Steve Wolff, and Rachel Ivanovich unpack another wild week in finance, from delayed tax refunds to the psychology of “high-water marks” and why volatility isn’t the villain investors think it is.

They’ll break down what’s driving market pullbacks, the Fed’s next move, and why fear (yes, the Fear & Greed Index kind) can actually create opportunity. Plus: Rachel shares real-life strategies for using donor-advised funds to cut taxes while giving back, and the team debates whether an aggressive Roth conversion could be the smartest move before 2026 tax changes hit.

It’s a mix of humor, market smarts, and timely planning ideas to help you close out 2025 with confidence, and maybe even sleep a little better at night.

🎧 Tune in to learn how to stay calm, charitable, and strategically invested when everything else feels uncertain.

Date Recorded: 11/06/25

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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

The Market’s Moving Fast: Are You Ready for What’s Next?

Oct 30, 2025

This week’s episode of WWM Talks packs in everything from market highs to mortgage rate moves, and even a sneak peek at our upcoming Health, Wealth & Legacy retreat in Carlsbad!

The team, Catherine Magaña, Greg Carroll, Steve Wolff, and Vince Stefano break down the latest 25-basis-point Fed rate cut, the ongoing government shutdown, and why retail investors are rushing back into stocks. With AI-fueled earnings lifting markets and tech collaborations reshaping industries, the conversation dives into where opportunity, and risk, really lie.

They also explore how shifting real estate dynamics are creating both challenges and opportunities, with home prices cooling on the West Coast, strength holding in the Northeast, and mortgage rates finally easing back into the 5s. The conversation turns to what these changes mean for investors and retirees alike, including the newly announced 2.8% Social Security cost-of-living adjustment and how it factors into retirement income planning.

🎧 Tune in for insights, laughs, and a quick pulse on the markets before Halloween.

Whether you’re watching the Fed, eyeing opportunities in AI, or wondering what’s next for housing, this episode will help you cut through the noise and stay focused on what really drives long-term success.

Date Recorded: 10/30/25

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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

How AI Could Change The Way You Give (and Invest)

Oct 24, 2025

Markets are moving, the government’s still shut down, and investors everywhere are holding their breath. Catherine Magaña, Greg Carroll, Steve Wolff, and Vince Stefano are back to break down what’s really happening behind the headlines.

From the Fed’s upcoming rate cut to a surge in oil prices and the sudden dip in small caps, this episode covers all the key shifts driving today’s market mood. The conversation heats up with a spirited debate on Artificial Intelligence, are we in the middle of the biggest bubble since the dot-com era, or standing at the edge of a revolutionary boom?

You’ll also hear practical, year-end financial tips, from maxing out 401(k)s to making the most of charitable giving strategies before the new tax rules arrive.

So whether you’re curious about the future of AI, wondering what’s next for interest rates, or just looking for smart financial moves to close out 2025 on a high note, this episode has you covered.

🎧 Tune in, laugh along, and get the clarity you need to make your next money move with confidence.

Date Recorded: 10/23/25

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

When Technology Meets A New Generation – What Happens To The Market?

Oct 16, 2025

What a week for the markets! Gold’s hitting new records, small caps are finally waking up, and talk of multiple rate cuts has investors buzzing. Meanwhile, the government shutdown drags on, and the question on everyone’s mind remains: is the market overvalued or just getting started?

In this week’s Podcast, Catherine Magaña, Rachel Ivanovich, Steve Wolff, and Vince Stefano unpack the latest market moves, from strong corporate earnings to growing AI enthusiasm and everything in between. The team discusses why investors are pouring back into the market, what could derail this rally, and how upcoming Fed decisions might shape the months ahead.

They also break down Gen Z’s surprising investment habits, expected shifts in holiday spending, and what families should know about new estate and gift tax opportunities.

The conversation is fast-paced, insightful, and packed with practical takeaways to help you stay informed and confident no matter what the markets do next.

🎧 Tune in for clear insights, sharp perspective, and a grounded take on what really matters for your money right now.

Date Recorded: 10/16/25

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

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

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

Shutdown Uncertainty, Market Highs & What It Means For You

Oct 2, 2025

Markets are moving, rates are shifting, and yes, there’s another government shutdown. But what does all this really mean for your money? In this episode, Catherine Magaña, Rachel Ivanovich, and Vince Stefano break it all down with their signature mix of insight, perspective, and a dash of humor.

You’ll hear:

Why the Nasdaq and S&P 500 are still climbing, even amid uncertainty.
How past shutdowns have surprisingly impacted markets (hint: not always the way you think).
Why ETFs are pulling in billions this year as investors chase performance.
A smart strategy for handling concentrated company stock in your 401(k).
The latest updates on Roth catch-up rules and what they mean for your taxes.
A fascinating estate planning tactic called “upstream gifting” that could save on future capital gains.

Whether you’re curious about the Fear & Greed Index, worried about interest rate cuts, or simply want to know if Social Security checks will still arrive, this episode has you covered.

🎧 Tune in, get informed, and keep your money working smarter through every twist and turn.

Date Recorded: 10/2/25

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