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

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

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

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

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

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

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

Rachel Ivanovich Tedx

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

Transcript 

00:00 – Transcriber: Hakkı Uzun Reviewer: Ng Huynh Anh Thu 

00:19 – After 11 years of living under construction, I’ve learned a few things about building a house and about building a life. 

00:28 – One thing I know for sure life isn’t lived in the finished house, it’s lived in the construction zone. 

00:36 – And yet so many of us postpone happiness until the project is finished. 

00:42 – I’ll be happy when the house is done, when the business succeeds, when the kids are settled, when I retire, when life finally calms down. 

00:54 – But what if life never completely calms down? 

00:57 – What if there’s always another project, another delay, more construction? 

01:03 – I learned this lesson when my husband, Cole, and I bought our house in 2015. We wanted to renovate without taking on debt, 

01:11 – so we saved for each project and did almost everything ourselves: roofing, plumbing, electrical, windows, crawling under the house, you name it. 

01:22 – We did everything. We worked evenings and weekends. It’s taken us 11 years so far. 

01:33 – We didn’t have a perfect blueprint, honestly. We barely had a plan. We simply started one project at a time as we could afford it. 

01:43 – And while the house may never be completely finished, the lessons we learned while building have shaped everything. 

01:53 – What if joy isn’t something waiting for us on the other side of the mess? What if it’s available for us right here in the middle of it? 

02:02 – Because while we think we are busy building the career, the family, the business, or the future, life is busy building us. 

02:13 – And maybe that’s the real gift of the construction zone. So after living more than a decade in one. 

CHAPTER 2 — BUILDING WITHOUT A PERFECT PLAN 

02:23 – Here are five lessons from the construction zone that have shaped the way I think about life. 

02:29 – Lesson number one: you don’t have to hammer out the details. Cole and I dreamed of owning a home in Carlsbad, California. 

02:38 – And even though we were a blended family with five kids and almost no savings and felt so far behind financially that home ownership seemed impossible. 

02:48 – And one day, a flyer with a house for sale landed on our doorstep. Cole fell in love with the property. 

02:55 – I hated it. All I could see was dirt and grass and an old green shack next 

03:02 – to the freeway that needed more work than we could afford, and we didn’t even have a down payment. Where would the kids sleep? 

03:10 – But Cole brought two lawn chairs and a bottle of wine into the backyard, and as the cars sped by, 

03:18 – he described the home that he could already see: the future master suite, a mechanic’s garage, his dream workshop, and a rental that would fund our retirement. 

03:30 – So I borrowed his vision, and even though we had no plan, I said yes. 

03:38 – We didn’t know how we’d make it work. We applied for a loan and my mom helped us with the down payment. And then, we simply began. 

03:47 – So many of us postpone our dreams because we don’t know every step. But you don’t build a house or a life, all at once. 

03:57 – You build it, one faithful decision at a time. 

04:01 – And even if you do have someone somewhat of a plan, I promise you it’s not going to go the way you expect. Number two: it’s going to be messy. 

CHAPTER 3 — EMBRACING THE MESS 

04:11 – Construction is not pretty. Drywall dust, mud, mold, supply delays, unfinished rooms, endless trips to Home Depot and the dump. 

04:22 – My perfect manicure was a thing of the past and nothing ever, ever looked finished. 

04:28 – After three years, it finally dawned on me, this was my life. I was living in construction. 

04:37 – I stopped expecting growth to look tidy. 

04:41 – I accepted that progress is probably covered in dust, but for years I hesitated to invite people over because I was embarrassed by the mess. 

04:50 – But people came anyway. My mom moved in and lived with us for seven years. 

04:57 – Friends stayed for months, family moved in and out, but no one ever complained about the dust. 

05:05 – They weren’t looking for perfection. They were looking for connection. The mess was temporary. 

05:14 – The memories were permanent. Lesson number three: Don’t lose your humor. At one point, one of Cole’s clients gave us a brand new toilet. 

CHAPTER 4 — FOUNDATIONS OF CHARACTER 

05:24 – So Cole brought it home, placed it right inside the front door, and there it sat for months. 

05:30 – When Christmas arrived, I decided that if the construction was not leaving, it was going to become part of the decor. 

05:36 – The ladder that had lived in the living room for months was decorated with tinsel and ornaments. 

05:43 – My friend Stacy brought over a large Santa and we placed him on the toilet and we gave him a home decorating magazine. 

05:51 – Sometimes joy isn’t found after the inconvenience is gone, sometimes joy is found by decorating the ladder in the middle of the room. 

06:00 – Lesson number four: Building something beautiful builds you. Seven 

06:07 – years into the project. We finally had enough money to pour the foundation for the garage, not build the garage. Just pour the foundation. 

06:16 – Nobody celebrates foundations. Friends don’t come over and say, wow, look at that amazing concrete slab. 

06:25 – But everything beautiful that came afterward depended on what no one else could see. I thought we were laying the foundation for the house. 

06:34 – But looking back, we were laying the foundation for the people we were becoming. 

06:42 – Lesson number five: The house is never really finished. Every time we thought we were done, another project appeared. 

CHAPTER 5 — THE JOURNEY IS THE DESTINATION 

06:52 – Eventually, I realized that if I waited until everything was finished before allowing myself to be happy, I’d never get there. 

07:02 – We do the same thing with life. 

07:05 – I’ll be happy when I retire, when I lose weight, when I sell my business., when I pay off the mortgage. 

07:14 – People still ask if the house is finally finished, and I smile now because I know the answer. 

07:21 – The goal was never simply to finish the house, the goal was to build a home. In somewhere along the way, 

07:31 – I realized the real construction project wasn’t the house, it was me. 

07:38 – And the funny part is that after 11 years, the house is almost finished. Our kids are grown. 

07:46 – Apparently, our construction timeline outlasted their childhood. 

07:51 – The future arrives whether your project is finished or not, and that’s why life cannot be postponed. 

08:00 – So whatever you’re building, your career, your family, your business, your health, or your faith, don’t wait for the ribbon cutting ceremony before you start living. 

08:13 – Enjoy the people who are already in the room. Laugh at the mess. Notice what is being built in you 

08:22 – because your unfinished life isn’t a problem to solve, It’s where your character is being built. Thank you. 

What Causes Stock Market Volatility And How Can You Prepare?

What Causes Stock Market Volatility And How Can You Prepare?

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

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?

Will Medicare Cost More After A Roth Conversion?

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

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?

What Should Investors Do With Interest Rates This High?

⏱ 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

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