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When Should You Consider A Roth Conversion?

Sep 25, 2026

When should you consider a Roth conversion? Paying more taxes today may sound counterintuitive—but focusing only on today’s tax bill could mean overlooking the bigger picture.

In this short segment, the WWM Financial team explores Roth conversions, retirement taxes, and lifetime tax planning. Your tax situation can change as you move through retirement. RMDs, Social Security, pensions, and other income can all play a role. Even your filing status could change your future tax picture.

In this segment:

• When a partial Roth conversion may make sense

• How RMDs can affect your future taxes

• Why your tax situation can change in retirement

• Why Roth conversion planning should be reviewed each year

A Roth conversion isn’t right for everyone. The key is looking beyond what you’ll pay in taxes today and considering what your tax picture could look like throughout retirement.

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

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

Can Your Retirement Survive Long-Term Care Costs?

Aug 27, 2026

Can your retirement survive the rising cost of long-term care? It may be one of the most important risks missing from your financial plan.

In this episode, Catherine Magaña, Greg Carroll, and Vince Stefano welcome special guest Robert Sharon, a Certified Financial Planner and Accredited Estate Planner with decades of experience in insurance and long-term care planning. Robert breaks down why a long-term care event can put even a well-funded retirement under pressure—and why simply having significant assets doesn’t mean you should ignore the risk.

They discuss:

• The potentially significant cost of in-home care, assisted living, and memory care

• Whether it makes sense to self-insure for long-term care

• Traditional coverage vs. hybrid and life insurance strategies

• Protecting a spouse when one partner needs extended care

• Why you may only need to cover part of the risk

• The “forgotten risk” that could be hiding in your retirement plan

Long-term care planning isn’t about over-insuring—it’s about understanding the risk and making sure your retirement strategy is prepared for the unexpected.

Date Recorded: 8/27/26

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

Could Higher Inflation Keep Rates Higher Than Expected?

Aug 13, 2026

Higher inflation could mean higher interest rates for longer—but what could that mean for investors and their money? In this episode, the WWM Financial team breaks down the latest inflation data, the impact of rising oil prices, and why the Federal Reserve’s next move may not be as predictable as investors hope.

The conversation also explores how today’s rate environment connects to the bigger financial picture, including:

Why inflation could influence future interest-rate decisions
How oil prices can add inflationary pressure
What current mortgage rates and Treasury yields are signaling
Whether cash and money-market yields are really keeping pace with inflation after taxes
Important 401(k) decisions, including Roth vs. pre-tax contributions and investment choices
Why the upcoming midterm elections could add another layer of market uncertainty

With inflation driving the rate conversation, understanding what’s happening—and how the pieces connect—can help investors stay focused as economic conditions continue to shift.

Date Recorded: 08/13/26

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

Before You Retire, Know Why Retirement Planning Is Different Than You Think

Aug 3, 2026

Retirement planning isn’t just about saving enough money—it’s about making the right decisions at the right time. In this episode of WWM Talks, discover why retirement planning is different than you think and why every decision counts when building a successful retirement strategy.

From Social Security and retirement income planning to tax planning, investment management, estate planning, and required minimum distributions (RMDs), the team explains how each decision can impact the next. One of the biggest takeaways? A financial planner and tax planner working together can help uncover opportunities, reduce costly mistakes, and create a more coordinated retirement plan than either strategy alone.

In this episode, you’ll learn:

• Why every retirement planning decision matters

• How taxes, investments, and retirement income work together

• Why combining financial planning with proactive tax planning can strengthen your retirement strategy

• Common retirement planning mistakes that can have lasting effects

• Practical insights to help you retire with greater confidence

If you’re preparing for retirement or want to make smarter financial decisions before you retire, this episode will show you why every decision counts.

Date Recorded: 08/12/24

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