Financial Planning | WWM Financial

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

When the Fed Blinks: How Markets React to Every Hint of Policy Change

Nov 20, 2025

In this episode, Catherine, Greg, Steve, and Vince unpack one of the wildest market weeks of the year a roller-coaster ride fueled by surprise economic data, shifting Fed expectations, and tech-sector drama that had investors glued to the screen.

From a 35% swing in the S&P this year to a Fear & Greed Index plunging to 7 (yes, seven), the team breaks down what’s behind the sudden spike in fear and why panic-selling is the worst move you could make right now. They dive into job numbers, rate-cut odds collapsing from 90% to 35%, and how big-name tech earnings beat expectations yet still sent markets spinning.

You’ll also hear how extreme concentration in top tech stocks is shaping risk, why AI infrastructure demand “exceeds all expectations,” and what investors should actually do during a classic bull-market correction.

Plus real estate surprises, what rising home sales mean for mortgage seekers, and a timely reminder about checking your beneficiaries as we head into year-end estate-planning season.

It’s fast, it’s fun, and it’s full of insights to help you stay level-headed in a jittery market.

Date Recorded: 11/20/25

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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

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

When The Government Stops, Should You? Money Moves During The Shutdown.

Nov 7, 2025

What happens when the government shuts down for 37 days, the IRS stops answering calls, and the market takes a breather? Catherine Magaña, Greg Carroll, Steve Wolff, and Rachel Ivanovich unpack another wild week in finance, from delayed tax refunds to the psychology of “high-water marks” and why volatility isn’t the villain investors think it is.

They’ll break down what’s driving market pullbacks, the Fed’s next move, and why fear (yes, the Fear & Greed Index kind) can actually create opportunity. Plus: Rachel shares real-life strategies for using donor-advised funds to cut taxes while giving back, and the team debates whether an aggressive Roth conversion could be the smartest move before 2026 tax changes hit.

It’s a mix of humor, market smarts, and timely planning ideas to help you close out 2025 with confidence, and maybe even sleep a little better at night.

🎧 Tune in to learn how to stay calm, charitable, and strategically invested when everything else feels uncertain.

Date Recorded: 11/06/25

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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 Opportunity Cost Trap: What Your Money Could Be Doing Instead

Nov 5, 2025

In this eye-opening episode, Catherine Magaña, Steve Wolff, Rachel Ivanovich, and Greg Carroll unpack one of the sneakiest money mistakes people make, spending big on depreciating assets that don’t generate income. From luxury cars and RVs to paying off your low-rate mortgage too soon, they reveal how “feel-good” purchases can quietly derail your long-term financial security.

The team shares stories of clients who traded liquidity for peace of mind, and why that decision sometimes backfires. They break down the real cost of buying a new car, the opportunity cost of paying cash, and the psychology behind wanting everything paid off.

🎧Tune in to learn:

Why your dream car may be costing your future self
The myth of “real estate always goes up”
When paying off your mortgage makes sense (and when it doesn’t)
How to align spending with your bigger financial plan

So whether you’re into cars, homes, or the next big “must-have,” this episode will make you think twice before trading future growth for short-term satisfaction.

Date Recorded: 06/30/25

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