401(k) – Page 2 – WWM Financial

What Investors Miss When Markets Stabilize But Policy Changes!

Dec 19, 2025

Markets may fluctuate week to week, but long-term planning requires a much wider lens. In this episode, the WWM team discusses how inflation, interest rates, and longer lifespans are reshaping retirement strategies and why investors may need to rethink traditional portfolio assumptions to stay ahead.

You’ll hear a clear update on year-to-date market performance, the latest CPI inflation reading, and what shifting rate-cut expectations could mean for 2026 and beyond. The conversation dives into why CDs and money markets may feel safe but could quietly erode purchasing power after inflation and taxes. The team also explains why volatility isn’t the same as risk and why being too conservative later in life can be one of the biggest retirement mistakes.

Highlights include:

Why inflation still matters even when markets are up
The hidden downside of sitting in cash and CDs
How longer lifespans are changing retirement portfolio design
What tax strategies like Roth conversions and tax-loss harvesting really mean
Why innovation, growth, and optimism still matter for long-term investors

A timely, practical conversation for anyone navigating today’s uncertain markets while planning for a longer financial future.

Recorded 12/18/2025

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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 Inflation Strategy Most People Don’t Realize They Need!

Dec 12, 2025

Markets may look calm on the surface, but underneath, powerful shifts are already underway. While headlines focus on “flat” weeks, quieter parts of the market are breaking out, inflation is behaving in unexpected ways, and investors are starting to reposition for what could be a very different 2026. In this episode of WWM Talks, the guys dig into what’s really driving returns right now, and why paying attention to the wrong signals could mean missing the next phase of opportunity.

You’ll hear why smaller stocks, equal-weighted indexes, and overlooked sectors are quietly making new highs, how falling interest rates are reshaping market leadership, and why this doesn’t look like a replay of the 2000 tech bubble. The conversation also dives into inflation’s stickiest drivers housing, food, labor, and services and what they mean for Fed policy going forward.

The group explores rising M&A activity, the massive AI spending boom, energy constraints, and why business investment could be a powerful tailwind heading into 2026. Plus, a candid discussion on taxes, profit-taking, and why paying more in taxes often means you’re doing something right.

A thoughtful, forward-looking episode for investors focused on the bigger picture, not the daily drama.

Date Recorded: 12/11/25

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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 True Reason Rate Cuts Are Back on the Table And What It Means for You!

Dec 5, 2025

This week’s episode delivers a sharp, timely breakdown of the markets as we head into the final stretch of the year. Catherine, Rachel, Steve, and Vince unpack the sudden surge in stocks, why small caps are finally waking up, and what’s driving the shift in rate-cut expectations for 2025.

They also decode the mid-November market turbulence, what really caused institutions to reposition so quickly, and why those moves created outsized swings investors couldn’t ignore.

From there, the conversation moves into the mechanics of rates, mortgages, and the potential shake-up in Fed leadership and how each could shape the investment landscape in the coming year.

Rachel brings essential year-end tax guidance, including FSA deadlines, contribution rules, deduction timing, and the surprising situations where Roth conversions don’t make sense. The team also highlights the emotional traps investors fall into, the importance of real diversification, and why earnings, not headlines, remain the ultimate market driver.

Whether you’re planning ahead, reviewing allocations, or simply trying to make sense of the noise, this episode delivers the clarity and context investors need right now.

🎧 Tune in and stay ahead of what’s coming next.

Date Recorded: 12/04/25

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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

Fed Policy Shift: What It Means for Markets Right Now

Nov 13, 2025

This week’s episode is packed because the markets did not take a break. Catherine, Greg, Rachel, and Vince unpack everything from the end of the 43-day government shutdown to the surprising shifts in stocks, rates, and IRS rules you’ll want on your radar.

We break down why the Nasdaq dipped, why the Dow climbed, and what investors should read into the sudden rotation from tech into value. Plus, the Fed’s December rate-cut odds just slipped from 65% to 55%… so yes, the markets are jittery, and we explain what that means for investors.

You’ll also hear the latest on 2026 retirement contribution limits, why charitable giving rules are changing, and how to use year-end strategies like tax-loss harvesting, QCDs, and catch-up contributions before the year closes.

And because we love a good fun fact: the U.S. is discontinuing the penny, after learning it costs $3.69 to make one. Yes, really.

If you want practical guidance with a little entertainment sprinkled in, this episode delivers it.

🎧 Tune in and get ahead of what’s moving the markets and your money right now.

Date Recorded: 11/13/25

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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