The Overlooked Connection Between IRA's And Estate Planning

Markets may have felt calm on the surface this week, but underneath, there's plenty moving that smart investors should be paying attention to. In this episode, the team breaks down why small-cap stocks (hello, Russell 2000 👀) are suddenly stealing the spotlight, while mega-cap tech takes a breather. We also unpack what today's interest-rate environment means for CDs, Treasuries, and the housing market—and why that "magic mortgage rate" could unlock real estate activity. Beyond the headlines, the conversation dives into real-world planning issues clients are facing right now: Why naming a trust as an IRA beneficiary can create unexpected tax headaches How Secure Act 2.0 changed the estate planning landscape Backdoor and Mega Backdoor Roth strategies—and who they actually work for A timely reminder to review tax withholding before surprises show up in April A lesser-known planning tool: ABLE accounts for families supporting loved ones with disabilities Add in a look at the Fear & Greed Index, market rotation trends, and a little friendly golf rivalry, and this episode delivers insight with personality. Date Recorded: 1/15/26 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. 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. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. 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