Tax Planning – WWM Financial

What Investors Need To Understand About Taxes During Market And Economic Shifts

Feb 5, 2026

Markets are feeling uneasy—but are they actually breaking down, or just catching their breath? In this week’s episode, the team brings calm, context, and clarity to a market that feels more dramatic than it truly is.

Instead of reacting to headlines, the discussion focuses on what the numbers are really saying from uneven market performance to why a handful of big stocks can distort the story. The team explains how to think about short-term volatility, profit-taking, and why today’s market moves don’t automatically signal a recession or a larger breakdown.

Beyond the markets, the conversation turns deeply practical. The team shares real-life planning scenarios involving inherited IRAs, widows facing complex financial decisions, and why acting too fast can lead to costly tax mistakes. A standout segment explains the little-known concept of “casualty gains” and how insurance payouts after natural disasters can unexpectedly trigger large tax bills if handled incorrectly.

Add in a realistic take on AI as a powerful tool (not a market killer), a check-in on the Fear & Greed Index, and a preview of next week’s real estate discussion and this episode delivers timely perspective when investors need it most.

Recorded: 02/05/26

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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

What This Market Is Revealing About Preparedness And Risk!

Jan 29, 2026

This week’s market update covers a lot of ground—and a few curveballs investors should be paying attention to. The team breaks down what’s really happening beneath the headlines as stocks wobble, rates remain stubbornly high, and investor sentiment with “greed.”

From there, the conversation digs into what’s driving today’s market mood from stubbornly high interest rates and mounting government debt to why investor sentiment is shifting so quickly. The team also breaks down the recent pullback in mega-cap tech and AI stocks, exploring whether this move reflects deeper concerns about valuations and spending—or a reset that could create new opportunities for disciplined investors.

But one of the most important moments comes when the discussion turns personal: what spouses need to know when inheriting an IRA. The rules are complex, the tax consequences are real, and getting it wrong can cost hundreds of thousands of dollars.

If you want perspective, planning insights, and a reminder of why diversification and guidance matter—this episode is worth your time.

Recorded: 01/29/26

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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

The Overlooked Connection Between IRA’s And Estate Planning

Jan 15, 2026

Markets may have felt calm on the surface this week, but underneath, there’s plenty moving that smart investors should be paying attention to. In this episode, the team breaks down why small-cap stocks (hello, Russell 2000 👀) are suddenly stealing the spotlight, while mega-cap tech takes a breather. We also unpack what today’s interest-rate environment means for CDs, Treasuries, and the housing market—and why that “magic mortgage rate” could unlock real estate activity.

Beyond the headlines, the conversation dives into real-world planning issues clients are facing right now:

Why naming a trust as an IRA beneficiary can create unexpected tax headaches
How Secure Act 2.0 changed the estate planning landscape
Backdoor and Mega Backdoor Roth strategies—and who they actually work for
A timely reminder to review tax withholding before surprises show up in April
A lesser-known planning tool: ABLE accounts for families supporting loved ones with disabilities

Add in a look at the Fear & Greed Index, market rotation trends, and a little friendly golf rivalry, and this episode delivers insight with personality.

Recorded: 01/15/26

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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

What Investors Get Wrong At The Start Of Every Year And How To Avoid It In 2026

Jan 8, 2026

A new year is here and so is a fresh look at what lies ahead for investors. In this episode, the WWM Financial team kicks off 2026 with a recap of how markets wrapped up 2025, why the strong start to January matters, and what volatility could mean in the months ahead.

The conversation dives into headlines about potential market “crashes,” interest rate expectations, and where opportunities may be hiding beneath the noise. From tech and software stocks to healthcare innovation and sector rotation, the team shares insights on what could drive the first half of 2026 and why flexibility will matter more than ever.

On the planning side, tax season is officially on the radar. The team breaks down key early-year moves, including charitable planning with IRAs, required minimum distributions, withholding adjustments, and why now is the best time to review your financial plan before surprises pop up later in the year.

Markets, taxes, policy shifts, and smart planning—all in one episode designed to help you start the year informed and confident. 🎯

Recorded: 01/08/26

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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 Smart Investors Close Out 2025!

Dec 23, 2025

As we close the books on 2025, the entire WWM crew comes together for a fast-paced, insightful, and occasionally hilarious year-end market recap. From strong equity returns and surprise leadership from international markets to the continued dominance of AI, this episode breaks down what actually mattered and what investors may be underestimating heading into 2026.

There’s also a reflective pause in this conversation because the end of the year isn’t just about numbers. It’s about perspective. After navigating uncertainty, policy shifts, rate debates, and emotional market swings, this episode acknowledges what many investors are feeling right now: gratitude for resilience, relief after volatility, and cautious optimism for what’s ahead. It’s a moment to step back, take stock of progress, and remember why planning matters beyond performance.

We unpack:

How U.S. markets finished the year (and whether a Santa Claus rally still has legs)
Why international and emerging markets quietly stole the spotlight
The real story behind rate cuts, inflation data, and why lower rates aren’t guaranteed
Gold, commodities, and what fear, geopolitics, and central banks have to do with it
Key tax and planning takeaways after a year of uncertainty—and what moves still matter before the calendar flips

Plus, practical year-end reminders around Roth conversions, charitable giving, retirement contributions, and why early-January market volatility wouldn’t be surprising.

Thoughtful, candid, and grounded in real-world planning this is the kind of conversation worth ending the year with.

Recorded 12/23/2025

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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

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

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