Retirement Planning – WWM Financial

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

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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

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

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

Long Term Care Planning

Oct 1, 2026

Long Term CAre Planning Securing Your Future

A long-term care event can quickly become one of the biggest financial challenges a family faces. With the cost of home care, assisted living, and nursing care continuing to rise, having a plan can help protect your retirement savings, preserve your independence, and reduce the burden placed on the people you love. Join us for an informative webinar where we’ll explore what long-term care can really cost, common misconceptions about Medicare and other coverage, and the different strategies available from self-funding to traditional and hybrid long-term care solutions. You’ll leave with a better understanding of the choices available and how to begin building a plan that protects both your wealth and your family.

Recorded September 30, 2026

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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

When Should You Consider A Roth Conversion?

Sep 25, 2026

When should you consider a Roth conversion? Paying more taxes today may sound counterintuitive—but focusing only on today’s tax bill could mean overlooking the bigger picture.

In this short segment, the WWM Financial team explores Roth conversions, retirement taxes, and lifetime tax planning. Your tax situation can change as you move through retirement. RMDs, Social Security, pensions, and other income can all play a role. Even your filing status could change your future tax picture.

In this segment:

• When a partial Roth conversion may make sense

• How RMDs can affect your future taxes

• Why your tax situation can change in retirement

• Why Roth conversion planning should be reviewed each year

A Roth conversion isn’t right for everyone. The key is looking beyond what you’ll pay in taxes today and considering what your tax picture could look like throughout retirement.

Date Recorded: 9/17/26

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