investing – WWM Financial

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

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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

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

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

When Technology Meets A New Generation – What Happens To The Market?

Oct 16, 2025

What a week for the markets! Gold’s hitting new records, small caps are finally waking up, and talk of multiple rate cuts has investors buzzing. Meanwhile, the government shutdown drags on, and the question on everyone’s mind remains: is the market overvalued or just getting started?

In this week’s Podcast, Catherine Magaña, Rachel Ivanovich, Steve Wolff, and Vince Stefano unpack the latest market moves, from strong corporate earnings to growing AI enthusiasm and everything in between. The team discusses why investors are pouring back into the market, what could derail this rally, and how upcoming Fed decisions might shape the months ahead.

They also break down Gen Z’s surprising investment habits, expected shifts in holiday spending, and what families should know about new estate and gift tax opportunities.

The conversation is fast-paced, insightful, and packed with practical takeaways to help you stay informed and confident no matter what the markets do next.

🎧 Tune in for clear insights, sharp perspective, and a grounded take on what really matters for your money right now.

Date Recorded: 10/16/25

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