Retirement Planning – WWM Financial

Could Higher Inflation Keep Rates Higher Than Expected?

Aug 13, 2026

Higher inflation could mean higher interest rates for longer—but what could that mean for investors and their money? In this episode, the WWM Financial team breaks down the latest inflation data, the impact of rising oil prices, and why the Federal Reserve’s next move may not be as predictable as investors hope.

The conversation also explores how today’s rate environment connects to the bigger financial picture, including:

Why inflation could influence future interest-rate decisions
How oil prices can add inflationary pressure
What current mortgage rates and Treasury yields are signaling
Whether cash and money-market yields are really keeping pace with inflation after taxes
Important 401(k) decisions, including Roth vs. pre-tax contributions and investment choices
Why the upcoming midterm elections could add another layer of market uncertainty

With inflation driving the rate conversation, understanding what’s happening—and how the pieces connect—can help investors stay focused as economic conditions continue to shift.

Date Recorded: 08/13/26

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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

How Do You Know How Much You Can Safely Spend In Retirement?

Aug 6, 2026

How do you know if you’re spending the right amount in retirement? That’s one of the biggest questions retirees face—and the answer isn’t as simple as following the 4% rule.

In this episode, Catherine Magaña, Rachel Ivanovich, and Vince Stefano explain why retirement income planning should be tailored to your unique financial situation. Discover how Social Security, pensions, investments, taxes, inflation, and even life changes can all affect how much you can safely spend throughout retirement.

In this episode, you’ll learn:

Why the 4% rule is only a starting point—not the whole answer.
How to know if you’re spending too much, too little, or just right.
Why many retirees have enough money but still hesitate to enjoy it.
How life events and market changes can reshape your retirement income strategy.
Why reviewing your plan regularly can help you spend with greater confidence.

The goal isn’t to find a one-size-fits-all retirement spending rule—it’s to understand what works for your financial future. Tune in to learn why knowing before spending can make all the difference in building a retirement you can enjoy with confidence.

Date Recorded: 08/05/26

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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

Before You Retire, Know Why Retirement Planning Is Different Than You Think

Aug 3, 2026

Retirement planning isn’t just about saving enough money—it’s about making the right decisions at the right time. In this episode of WWM Talks, discover why retirement planning is different than you think and why every decision counts when building a successful retirement strategy.

From Social Security and retirement income planning to tax planning, investment management, estate planning, and required minimum distributions (RMDs), the team explains how each decision can impact the next. One of the biggest takeaways? A financial planner and tax planner working together can help uncover opportunities, reduce costly mistakes, and create a more coordinated retirement plan than either strategy alone.

In this episode, you’ll learn:

• Why every retirement planning decision matters

• How taxes, investments, and retirement income work together

• Why combining financial planning with proactive tax planning can strengthen your retirement strategy

• Common retirement planning mistakes that can have lasting effects

• Practical insights to help you retire with greater confidence

If you’re preparing for retirement or want to make smarter financial decisions before you retire, this episode will show you why every decision counts.

Date Recorded: 08/12/24

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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 AI Is About To Do To Inflation, Earnings And Investing!

Jul 16, 2026

Artificial intelligence is transforming more than technology—it’s beginning to reshape inflation, corporate earnings, and the economic forces influencing today’s markets. As companies invest billions in AI infrastructure, those investments could have lasting effects on the economy and the future of investing.

The WWM team explores how AI infrastructure spending is influencing inflation, corporate earnings, and investor expectations while breaking down the latest inflation report, Federal Reserve outlook, market performance, and practical retirement and tax planning strategies.

In this episode, you’ll discover:

• Why AI infrastructure spending is becoming a powerful market force.

•How AI is influencing inflation, corporate earnings, and investor expectations.

• What the latest economic data and Federal Reserve outlook could mean for the markets.

• Retirement and tax planning insights, including Trump Accounts, beneficiary reviews, and relocating to another state.

Understanding AI isn’t just about technology anymore—it’s about understanding how today’s AI are reshaping the economy and what that could mean for the future of investing.

Date Recorded: 07/16/26

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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

Before You Pass Down Assets, You Need To Know This!

Jul 9, 2026

Passing down assets may seem straightforward, but one overlooked decision could create unexpected taxes, legal headaches, or even change how much your loved ones ultimately receive. Before you make an estate planning move, this episode uncovers the hidden details every family should understand.

The WWM Financial team explores the trust mistakes that can derail your wishes, why step-up in basis and gift tax rules matter, and how properly titling assets can make all the difference when transferring wealth.

You’ll also hear practical insights on rolling over company stock, the tax advantages of Net Unrealized Appreciation (NUA), how to avoid common retirement account rollover mistakes, and why thoughtful planning—not quick decisions—can help preserve more of your wealth.

In this episode, you’ll discover:

• Why trusts still fail without proper planning.

• The hidden tax rules that can impact inherited assets.

• How asset titling affects your estate plan.

• When NUA may be a smarter alternative to rolling over company stock.

• Common retirement planning mistakes that can have lasting financial consequences.

A few planning decisions today could make a lasting difference for your family tomorrow.

Date Recorded: 07/09/26

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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

How To Make Smarter Mortgage Decisions In Today’s Market!

Jul 2, 2026

Should you refinance, tap into your home equity, or keep the low-rate mortgage you already have? With interest rates and lending options continuing to evolve, making the right mortgage decision has never been more important.

In this episode, Catherine and Rachel welcome special guest Courtney Wittner, licensed mortgage loan officer at DG Funding, to break down today’s mortgage landscape and help homeowners make more informed financial decisions. From HELOCs and home equity loans to buying a home in retirement and qualifying with assets instead of traditional income, you’ll learn how today’s lending options can support—or complicate—your long-term financial plan.

You’ll discover:

The difference between a HELOC and a home equity loan—and when each may make sense.
What retirees should know before applying for a mortgage.
Common mortgage mistakes that can cost homeowners thousands.
Smart ways families are helping children purchase a home.
Why your mortgage strategy should work alongside your overall financial plan.

Whether you’re planning to buy, refinance, downsize, or simply want to make smarter borrowing decisions, this episode offers practical insights to help you navigate today’s mortgage market with greater confidence.

Date Recorded: 07/02/26

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