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Will Medicare Cost More After A Roth Conversion?

Oct 4, 2026

Could a Roth conversion unexpectedly increase your Medicare premiums?

Roth conversions can be a powerful retirement tax-planning strategy, but the tax bill isn’t the only number to consider. In this segment, Catherine Magaña and Rachel Ivanovich discuss how Roth conversion income can affect your modified adjusted gross income (MAGI), potentially triggering IRMAA and higher Medicare Part B and Part D premiums.

In this episode:

How a Roth conversion can affect Medicare premiums
Why Roth conversion income matters for IRMAA
Medicare’s two-year income lookback
Why higher Medicare costs don’t automatically make a Roth conversion a bad decision
When to reevaluate a Roth conversion before year-end
How future tax brackets and RMDs can factor into long-term planning

A Roth conversion can have ripple effects beyond your tax return. The key is understanding how today’s decision could affect your Medicare costs and retirement taxes in the years ahead.

If you’re considering a Roth conversion and want to understand how it fits into your bigger retirement picture, WWM Financial is here to help you evaluate the moving pieces before you make the decision.

Date Recorded: 9/24/26

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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 Should Investors Do With Interest Rates This High?

Oct 1, 2026

⏱ Interest Rates, Bond Yields & Market Update — 0:51–11:21

What should investors do with interest rates this high? With bond yields elevated, inflation still in focus, and uncertainty surrounding the Federal Reserve, investors are facing a very different environment for stocks and bonds.

In this episode, the WWM Financial team breaks down what today’s higher interest rates could mean for investors. We look at rising Treasury yields, CDs versus Treasuries, the outlook for Fed rate decisions, and why bonds are getting more attention as yields become increasingly attractive.

We also explore the forces putting pressure on the stock market—including inflation, oil prices, and geopolitical uncertainty—and what investors may want to watch as earnings season approaches.

In this episode:

What high interest rates could mean for investors
Why rising bond yields matter for stocks
Stocks vs. bonds in a higher-rate environment
How inflation and oil prices could influence Fed decisions
What investors should watch as earnings season begins
Retirement planning and Roth IRA considerations

If you’ve been wondering what higher interest rates could mean for your investments—or whether the changing rate environment should have you thinking differently about stocks and bonds—this episode is worth a watch.

Date Recorded: 10/01/26

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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 Happens When AI Innovation Moves Too FAST!

Sep 17, 2026

⏱ AI Discussion: 9:15–11:43

AI is advancing at an incredible pace—but what happens when innovation starts moving faster than the rules, safeguards, and expectations surrounding it?

In this episode, the WWM Financial team explores the rapid evolution of artificial intelligence and the growing debate over how much control is too much. From fears about where AI could be headed to the role of government regulation, corporate responsibility, and market forces, the conversation looks at how we can approach a technology that continues to evolve at remarkable speed.

Plus, the team discusses how AI and cloud-based technology are already making their way into the financial services industry—and what that evolution could mean for financial planning and the tools advisors use.

In this episode:

• Why concerns are growing as AI innovation moves faster

• The debate over AI regulation, safeguards, and corporate responsibility

• How AI and new technology are entering the financial services industry

• Why year-end tax planning shouldn’t wait until tax season

• How Roth conversions can fit into a lifetime tax strategy

• Why retirement income, RMDs, Medicare premiums, and inherited IRAs can affect your future tax picture

When innovation moves this quickly, controlling rapid AI may become just as important as understanding its potential.

Date Recorded: 9/17/26

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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

Could Your Money Work Harder Than Paying Off Your Mortgage?

Sep 3, 2026

Paying off your mortgage may feel like the obvious financial move—but is it always the right one? In this episode, the WWM Financial team explores the factors that can make this decision more complicated than it seems. From low interest rates and taxes to opportunity cost, cash flow, and peace of mind, there’s more to consider before saying goodbye to your mortgage. The bigger question isn’t simply whether you can pay it off—it’s what makes the most sense for your overall financial picture.

Plus, the team discusses:

The market tug-of-war between inflation, interest rates, earnings, and economic growth
Why investors could see continued market volatility
Tax considerations when selling a longtime family home
Planning opportunities when moving into a continuing care retirement community
Potential changes to the capital gains exclusion on home sales

Sometimes the most obvious financial move deserves a second look. Question the payoff, understand the tradeoffs, and make the decision that fits your bigger financial picture.

Date Recorded: 9/03/26

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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 Rental Property Cash Flow Risk Every Investor Should Know

Aug 20, 2026

Rental properties can help build wealth—but what happens when the rent stops coming in and the expenses don’t? In this episode, Catherine Magaña, Rachel Ivanovich, Vince Stefano, and Greg Carroll explore why rental property investors may need a bigger cash cushion than they realize.

Using a real-world planning scenario involving multiple vacancies and a business slowdown, the team discusses why adequate reserves and liquidity can be critical when several financial pressures hit at once.

They also cover:

• Treasury yields, interest rates, and recent market volatility

• The rotation out of big technology stocks and changing investor sentiment

• Why investors should consider risk tolerance instead of chasing the market

• New proposed guidance surrounding Trump Accounts

• How retirement and profit-sharing plans can fit into business and tax planning

• RMD projections, inherited IRAs, taxes, and potential Medicare IRMAA implications

From rental properties to markets and taxes, this episode shows why looking at your entire financial picture matters when preparing for what comes next.

Date Recorded: 08/20/26

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