Estate Planning – What to Expect in 2022

Estate Planning – What to Expect in 2022

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In this episode, Gita Nassiri, CPA, JD, MBT and Catherine Magaña, CFP® discuss Estate Planning for 2022 and some changes that have occurred.

So if you want to prepare your estate for your heirs, understand the new gifting and estate tax exclusions, and ensure your estate does not go into probate so you can have peace of mind, tune in now!

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In this episode, you’ll discover:

  • Estate Planning Tips For 2022
  • Gift and Estate Federal Tax Exemption Updates
  • Annual Gift Tax Exclusions
  • Step Up in Basis for Assets
  • Importance of Titling
  • Beneficiary Designations
  • A Misconception of Estate Planning
  • What Can Occur If There Is Not a Will in Place
  • Proposition 19

About Gita Nassiri

Gita Nassiri, CPA, JD, MBT is an expert in Estate Planning whose accomplishments include:
Practicing since 1994

  • Graduated with her law degree from Whittier College
  • Master’s degree in business taxation with honors from USC
  • Active member in California Bar Association Trusts and Estates Section.
  • Fluent in French and Spanish

Thanks for listening!

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WWM Financial is an SEC Registered Investment Advisor.

Stock Market Update 8/4/2021

Stock Market Update 8/4/2021

Click on the video above to watch August's Market Update.

Stock Market Update 8/4/2021

In this informative yet brief market update, Steve Wolff discusses amazing stock earnings, the Delta Variant and mortgage rates.

Transcript below:

This is Steve Wolff, and we’re going to talk a little bit about what happened in July of 2021, and we’ll do our Monthly Market Update. So this was the month that the COVID variant seems to have made its reappearance. There’s a lot of talk about, should you wear a mask? Should you not wear a mask? People getting vaccinated, et cetera, and that’s had an effect on the market. Earlier in the month, the marketplace actually had one day that was really bad, but then it seemed to come back. I’m not convinced yet that the COVID virus coming back at all is going to really affect the stock market, but it has affected it a little bit so far.

What happened this month? Well, bond yields actually went down a little again, which means mortgage rates are once again on the table. If you haven’t refinanced your mortgage, you might think about doing that right now. I’m seeing rates that you can get under 3%, and that’s pretty cheap. People today think when rates go to 4% that that’s expensive, or 3.5%. I can only tell you that my first house way back when, I had a 10 and three quarters percent mortgage rate. I’m sure some of the people who are watching here, who are older, will remember that; so when we’re talking about 3%, in my opinion, that’s really low.

What else happened? Stock earnings. Stock earnings this month, they’ve really been great. I mean, they actually outperformed high expectations. Now, some of the stocks have pulled back a little bit because I think even with high expectations, you had stocks that ran a little bit maybe ahead of themselves. But that’s okay. They reset a little bit. We talked about this before. I still think that we’re still in the midst of a bull market. As you can see my little friend, Mr. Bull over here, who’s still hanging on. I think that we’re going to be hanging on here for a little bit longer.

Interestingly though, when you’re looking at the stock market, you really should differentiate between the “market” and really what it represents. For instance, what I’m talking about here is that in the S&P 500, the top five stocks make up about 22% of the portfolio, and the top 10 stocks in a 500 stock portfolio represent somewhere around 30% of the portfolio. So really, when you’re talking about the market, you’re really talking about maybe 10, 15, 20 stocks having a big mark on what’s going to happen as far as the markets, and what they’re going to do. So, I would actually look at individual stocks.

When I look at big tech and big online retailers, their earnings were outstanding. They really were. A matter of fact, it’s hard to believe. Usually, you say, in the ocean, the battleship, it takes a long time to turn it around. A rowboat, you can turn real fast. Yet, these huge behemoths of companies have just been… terrific. Until that changes, I still think that the bull market is intact. I don’t see any reason to change where we’ve been for the last couple of months. That’s where we’re at. Mr. Bull, you’re still hanging on and we love it. We’ll talk to you next month. Thanks.


Steve Wolff is a Managing Partner at WWM Financial in Carlsbad California.

Steve can be reached at 760-692-5190.


The opinions expressed in this article 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. 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. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

WWM Financial is an SEC Registered Investment Advisor. Advisory services are only offered to clients or prospective clients where WWM Financial and its representatives are properly licensed or exempt from licensure. No advice may be rendered by WWM Financial unless a client service agreement is in place.



Investing in the Tech Era

Investing in the Tech Era

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In this episode: Steve Wolff discusses how excided he is about the investing opportunities in this techno-digital revolution.

Full transcription below:

Steve Wolff:
Hello everyone, this is Steve Wolff with another edition of Steve’s Stock Stories. I’m here with my
cohort, producer and friend Joscelin Magaña.

Joscelin Magaña:
How’s it going everybody?

Steve Wolff:
This is one of my favorite topics. I am so happy to be alive at this point in time, because we are going
through a technological digital revolution. This must be what it felt like to be in the industrial revolution,
when you went from the horse and buggy to cars. Of course, eventually putting men on the moon. But I
mean, all the things that happened in that time are happening now only they’re happening digitally.

Joscelin Magaña:
I feel the same first feeling when I saw the world change in a dramatic way where I was so excited. Two things that I remember surfacing, the mobile phone and the internet.

Steve Wolff:
Oh, yeah.

Joscelin Magaña:
Remember when the movie The Saint came out? That little phone was amazing. He had video on there, he got text messages. I thought, “Oh my gosh, if that could ever possibly happen.” Then we have way better phones than that now, you just throw that little toy away. Right? The other big thing that I saw was the internet. When I was in college, we were just using email at the time. There were these things called websites. I remember thinking, “Wow, we’re going to be able to buy stuff on the internet
someday.” I remember telling somebody, “Hey, this is going to be an amazing space because we’re just
going to be buying stuff on the internet.” And they’re like, “Who’s going to buy stuff on the internet?
You just go to the store. Why the hell are you going to-?” Okay. One technological advanced before this, which kind of wasn’t, but everybody thought was crazy, was when everybody started buying bottled water; but that’s a whole other subject.

Steve Wolff:
Well you talk about phones. I remember watching the movie Wall Street with Michael Douglas and he
had a mobile phone, but it was probably, I don’t know, 12 inches.

Joscelin Magaña:
Oh, yeah. They were big.

Steve Wolff:
They were huge.

Joscelin Magaña:
They were big, like a shoe box.

Steve Wolff:
Right, they were big. You could make a phone call on there today, my goodness, you could do just about everything. You can turn on your car, you can-

Joscelin Magaña:
You can turn on your sprinklers in your house, you can see your front door. It’s amazing.

Steve Wolff:
What they have in that little phone is way more powerful than what IBM first came up with when they had that first computer that took up, I don’t know, three rooms or something. With vacuum tubes and whatever, it’s just incredible.

Joscelin Magaña:
I guess where I’m going with this is that I’m as excited now as I was when mobile phones were becoming more accessible and the whole mobile phone revolution and the internet. I remember my first job we didn’t even have computers on our desks…

Click here to read the full transcription.

Market Outlook & Tax Planning Strategies for 2021

Market Outlook & Tax Planning Strategies for 2021

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Market Outlook & Tax Planning Strategies For 2021

This is the replay of our live virtual client appreciation event hosted on February 17, 2021.

Managing Partner Steve Wolff discusses the market outlook for 2021.

Guest Speaker Rachel Ivanovich, E.A., M.B.A. shares tax planning strategies for 2021.

Carolyn Grant, Executive Director of the Museum of Making Music in Carlsbad gives us a sneak peak of recent renovations and featured multimedia experience.

Timestamps are provided below for each segment of the recording.

3:25 Brief virtual tour of the Museum of Making Music in Carlsbad.

9:51 Market Outlook for 2021

22:24 Tax Strategies for 2021

What Do You Do With Your Old 401k When You Leave a Company?

What Do You Do With Your Old 401k When You Leave a Company?

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In this video Catherine explains what you can do with your 401k when you leave a company.

Want to Accomplish More With Your Money?

Click on the link below to get your FREE Money 101 video.

Catherine Magaña is a CFP® or CERTIFIED FINANCIAL PLANNER TM and Managing Partner at Savvy Women Wealth Management in Carlsbad California.

We help women invest wisely and create custom financial plans for their way of living so they can enjoy a fulfilling retirement with peace of mind…

…without giving up their lifestyle.

htts:// | P: 760.692.5700

Savvy Women Wealth Management is a division of WWM Financial an SEC – Registered Investment Adviser.

Student Loan Management

Student Loan Management

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In this Proactive Wealth Education episode Carter Davis and Anita Algunos of Hope Credit educate us about student loan forgiveness and repayment plans.
Yes… there is Hope.

If you have more questions for Carter and Anita at Hope Credit you can reach out to them at (760)916-9313, or learn more by visiting their website at .

Catherine Magaña is a CFP® or CERTIFIED FINANCIAL PLANNER™ and Managing Partner at Savvy Women Wealth Management in Carlsbad California.

If you would like to set up a free 30 minute financial assessment she can be reached at 760-692-5700, for private message or click on the following link to contact us directly .