DIY Finance Could Be Costing You More Than You Know

DIY Finance Could Be Costing You More Than You Know

Jun 30, 2025

This 4th of July week, we’re looking beyond the fireworks and into the financial forces that could shape your future. Historically, this is a bullish week for the markets—but smart investors know that short-term trends are only one part of the bigger picture. In this episode, we explore how recent market movements, evolving tax legislation, and interest rate expectations are setting the stage for what’s next. More importantly, we dive into the decisions that matter most as you approach retirement, sell a business, or pass on wealth to the next generation.

Whether it’s structuring your estate to minimize taxes, updating IRA beneficiaries, or navigating the emotional weight of newfound wealth, the financial moves you make now can have lasting consequences. This episode is a reminder that no one knows finance like your trusted advisor at WWM. From saving hundreds of thousands on taxes to managing the selling of a business, the importance of personalized, forward-thinking advice has never been greater. This isn’t just about managing investments—it’s about building a strategy that supports your goals, protects your legacy, and gives you peace of mind. 

Watch the video above or click the link here to listen: https://wwmfinancial.com/podcast/

If you want to understand what’s going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

Date Recorded: 6/30/2025

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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

Protect Your Wealth Before Crisis Hits

Protect Your Wealth Before Crisis Hits

May 20, 2025

Most people don’t realize their retirement plans are vulnerable—until it’s too late to fix it.

In this episode of the WWM Podcast, we expose the quiet threats that can unravel even the most carefully crafted retirement plans. Whether it’s an unexpected illness, a sudden divorce, or a market downturn just as you leave the workforce, these moments don’t send a warning. But with strategic planning, what could be financial catastrophe becomes a controlled pivot. Tune in to learn how foresight, not fear, gives you the upper hand.

Don’t wait until the cracks appear. At WWM Financial, we help clients anticipate the unexpected—before it becomes irreversible. If you’re navigating uncertainty or simply want to fortify your financial plan, schedule a consultation today at wwmfinancial.com.

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

Can You Roll An Old 401(k) To Another 401(k)?

Can You Roll An Old 401(k) To Another 401(k)?

Dec 20, 2019

Click on the image above to view this Savvy Minute video.

In today’s Savvy Minute we’ll answer the question. “Can you roll over an old 401(k) to another 401(k)?”

If you like this video and you have questions about an old 401(k) and what your options are please book a financial check up by clicking on the button below.

Click on the button to schedule a financial check up

Tariffs, Taxes and War – Certified Financial Poetry v.4

Tariffs, Taxes and War – Certified Financial Poetry v.4

Apr 17, 2018

Watch the video of Steve’s Reading by clicking on the following link https://youtu.be/nvoj4uAwDKg or the image above.

Certified Financial Poetry

Since taxes are on our minds because Tuesday is the deadline for getting your income tax filed and since the stock market has been jostled around due to talk and tweets about tariffs these days, I am reminded of the outcome of one country’s undertaking dealing with this subject…

Today’s Certified Financial Poem is titled…

Tariffs, Taxes and War

By Steve Wolff – The Certified Financial Poet

Tariffs are nothing new,
Here’s a history lesson for you.
The American Revolution was fought,
Due to taxes the British brought.

In 1765,
the Stamp Act was derived.
And with that law set in stone,
The seeds of revolution had grown.

Taxes supporting Brits’ forces?
Their guns and ammo and horses?
From Boston to Philly they said,
These guys are nuts in the head.

Soon the Townshend Act came to be,
Taxing paper, glass, paint and tea.
That was in addition to the Sugar act,
Make no mistake, that’s a fact.

“No way,” the Colonists said,
This feeling, it quickly spread.
“These taxes are an abomination,
And we have no representation.”

But it was the Tea Act of ’73,
that was truly the real key.
The Colonies said, “No more,”
And hatched a plan from the Eastern Shore.

Let’s disguise ourselves at night,
We’re ready for an all out fight.
Board their ships and cause commotion,
Then throw their tea out in the ocean.

The Brits reacted with scurrilous rage,
But the Colonists mood they poorly gauged.
They passed the Coercive Acts bill of ’74.
And set the wheels in motion for the revolutionary war.

The act said no more governing yourselves,
Put that idea back on your shelves.
Hey Boston, your now part of the Crown,
And seriously, we don’t care if you drown.

“IT’S WAR,” said the Bostonian in its largest font
And we’re ready to fight if that’s what they want.
Your tariffs and laws, we know we don’t need ‘em.
It’s now time now for us to fight for our freedom.

Newton said that for every single action,
There’s an opposite and equal counter reaction.
That’s why a tariff can be a sticky thing,
Cause you never know what the outcome will bring.

By the way, there’s a fun song about this topic that I found called “The Boston Tea Party Song” that’s a parody of the Pharrell Williams song called “Happy.”
Here’s the link….

I hope you enjoyed today’s poem and will share it with others.

You can find more of my Certified Financial Poetry by going to WWMFinancial.com.

And remember poetry fans, “Always take the road less travelled.”

Steve Wolff is a Financial Advisor and Managing Partner at WWM Financial in Carlsbad California. Steve can be reached at 760-692-5190 or Steve@WWMFinancial.com.

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