The WWM Financial Podcast

How do you know if you're spending the right amount in retirement? That's one of the biggest questions retirees face—and the answer isn't as simple as following the 4% rule. In this episode, Catherine Magaña, Rachel Ivanovich, and Vince Stefano explain why retirement income planning should be tailored to your unique financial situation. Discover how Social Security, pensions, investments, taxes, inflation, and even life changes can all affect how much you can safely spend throughout retirement. In this episode, you'll learn: • Why the 4% rule is only a starting point—not the whole answer. • How to know if you're spending too much, too little, or just right. • Why many retirees have enough money but still hesitate to enjoy it. • How life events and market changes can reshape your retirement income strategy. • Why reviewing your plan regularly can help you spend with greater confidence. The goal isn't to find a one-size-fits-all retirement spending rule—it's to understand what works for your financial future. Tune in to learn why knowing before spending can make all the difference in building a retirement you can enjoy with confidence. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/  Date Recorded: 8/05/26 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

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. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 8/12/24 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

The AI story isn't over, it's evolving. As AI investing enters its next phase, understanding the bigger picture has never been more important. Join Catherine, Rachel, and Vince as they break down recent market developments, evolving investor expectations, and what they could mean for long-term investors. Recent market swings don't always tell the full story. Learn why separating short-term headlines from long-term trends is essential, how institutional investors are responding to today's AI landscape, and why staying disciplined can help you make more confident investment decisions as the next phase unfolds. In this episode, you'll learn: • Why AI investing may be entering its next phase • What recent market moves could really be signaling • The difference between short-term hype and long-term opportunity • How investor expectations are influencing today's markets • Why having a disciplined financial plan matters when markets change The next phase of AI investing isn't just about new technology—it's about recognizing how changing market conditions, earnings, and investor sentiment can shape future opportunities. Tune in to gain practical insights that can help you stay focused on your long-term financial goals, no matter what the headlines say. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 7/30/26 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

Don't let fear make your next investing decision. In today's unpredictable market, emotional reactions can become one of the biggest investing mistakes. This episode of WWM Talks explores why successful investors stay disciplined when headlines, volatility, and uncertainty tempt others to abandon their long-term strategy. The team breaks down how AI-driven market leadership, rising bond yields, inflation expectations, and changing economic conditions are influencing today's investment landscape. You'll also hear why taxes shouldn't dictate your entire investment strategy, how diversification can help reduce risk, and why sticking to a well-designed financial plan may be your greatest advantage during market uncertainty. In this episode, you'll discover: • Why fear can lead to costly investing mistakes • How today's market volatility creates both risks and opportunities • The importance of diversification and disciplined investing • Why tax decisions should support—not control—your investment strategy • Practical ways to stay focused on long-term financial goals If you've been wondering whether to react to today's market or stay the course, this episode will help you separate emotion from strategy and make more confident investing decisions. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 7/23/26 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

Artificial intelligence is transforming more than technology—it's beginning to reshape inflation, corporate earnings, and the economic forces influencing today's markets. As companies invest billions in AI infrastructure, those investments could have lasting effects on the economy and the future of investing. The WWM team explores how AI infrastructure spending is influencing inflation, corporate earnings, and investor expectations while breaking down the latest inflation report, Federal Reserve outlook, market performance, and practical retirement and tax planning strategies. In this episode, you'll discover: • Why AI infrastructure spending is becoming a powerful market force.   •How AI is influencing inflation, corporate earnings, and investor expectations. • What the latest economic data and Federal Reserve outlook could mean for the markets. • Retirement and tax planning insights, including Trump Accounts, beneficiary reviews, and relocating to another state.  Understanding AI isn't just about technology anymore—it's about understanding how today's AI are reshaping the economy and what that could mean for the future of investing. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 7/16/26 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

Passing down assets may seem straightforward, but one overlooked decision could create unexpected taxes, legal headaches, or even change how much your loved ones ultimately receive. Before you make an estate planning move, this episode uncovers the hidden details every family should understand. The WWM Financial team explores the trust mistakes that can derail your wishes, why step-up in basis and gift tax rules matter, and how properly titling assets can make all the difference when transferring wealth. You'll also hear practical insights on rolling over company stock, the tax advantages of Net Unrealized Appreciation (NUA), how to avoid common retirement account rollover mistakes, and why thoughtful planning—not quick decisions—can help preserve more of your wealth. In this episode, you'll discover: Why trusts still fail without proper planning. The hidden tax rules that can impact inherited assets. How asset titling affects your estate plan. When NUA may be a smarter alternative to rolling over company stock. Common retirement planning mistakes that can have lasting financial consequences. A few planning decisions today could make a lasting difference for your family tomorrow. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 7/09/26 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

Should you refinance, tap into your home equity, or keep the low-rate mortgage you already have? With interest rates and lending options continuing to evolve, making the right mortgage decision has never been more important. In this episode, Catherine and Rachel welcome special guest Courtney Wittner, licensed mortgage loan officer at DG Funding, to break down today's mortgage landscape and help homeowners make more informed financial decisions. From HELOCs and home equity loans to buying a home in retirement and qualifying with assets instead of traditional income, you'll learn how today's lending options can support—or complicate—your long-term financial plan. You'll discover: The difference between a HELOC and a home equity loan—and when each may make sense. What retirees should know before applying for a mortgage. Common mortgage mistakes that can cost homeowners thousands. Smart ways families are helping children purchase a home. Why your mortgage strategy should work alongside your overall financial plan. Whether you're planning to buy, refinance, downsize, or simply want to make smarter borrowing decisions, this episode offers practical insights to help you navigate today's mortgage market with greater confidence. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 7/02/26 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

Markets may be moving, headlines may be screaming, and the latest IPOs are grabbing everyone's attention—but what's really happening behind the excitement? In this episode, the WWM team looks beyond the headlines to uncover why the biggest IPO headlines don't always tell the full story, why fear of missing out can lead investors astray, and how successful long-term investors evaluate opportunities with discipline instead of emotion. In this episode, you'll discover: Why IPO headlines don't always tell the full story. The questions every investor should ask before getting caught up in market excitement. How emotions like fear of missing out can quietly impact investment decisions. Key market, retirement, and tax planning insights from recent client conversations. The best investment decisions aren't driven by headlines—they're driven by a well-thought-out plan. Learn how to stay focused on what truly matters when markets are buzzing. Whether you're curious about IPOs or simply want to become a more confident long-term investor, this episode will help you look beyond the headlines and make smarter financial decisions. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 6/25/26 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

What seems like a simple decision about a family home can have consequences that last for generations. In this episode, the WWM team dives into one of the most common estate planning mistakes parents make when passing down a house and explains why good intentions don't always lead to the best financial outcome. The conversation explores how ownership decisions can affect taxes, inheritance, and family wealth transfer, along with strategies families are using to help preserve more of what they've worked so hard to build. Plus, the team discusses the importance of having open conversations about trusts, estate documents, and family wishes before important decisions need to be made. You'll also learn: The financial impact of passing a home to the next generation How inheritance rules can impact future taxes Key estate planning conversations every family should have Smart wealth transfer strategies families are considering today Retirement tax planning ideas, including Roth conversion opportunities If passing down a home or preserving family wealth is part of your long-term plan, this episode offers practical insights that could help you avoid costly mistakes and make more informed decisions for the next generation. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 6/18/26 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  

Inflation is rising. Markets are shifting. What should investors be paying attention to next? In this week's WWM Market Update, the team explores the growing signs that the investment landscape may be entering a new phase. From hotter-than-expected inflation reports and rising oil prices to shifting investor sentiment and increased market volatility, the conversation dives into what's driving today's headlines—and what investors should be watching as we move through the second half of the year. The discussion also highlights why opportunities may be emerging, how changing market conditions could influence interest rates, and why disciplined investors often look beyond short-term noise when making long-term decisions. Plus, the team shares real-world planning conversations involving Roth conversions, retirement strategies, and proactive tax planning opportunities. While uncertainty remains, periods of transition often create both risks and opportunities. Understanding the forces shaping the markets today can help investors stay focused, make more informed decisions, and avoid being caught off guard by what comes next. Tune in for a timely discussion on inflation, market trends, investor behavior, and the key developments that could influence your financial future in the months ahead. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 6/11/26 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  

Markets may be near record highs, but uncertainty continues to linger beneath the surface. So what do successful investors do when headlines, volatility, and mixed economic signals begin to test confidence? In this episode, the WWM team explores how disciplined investors navigate uncertain markets without losing sight of their long-term goals. From AI earnings and shifting market expectations to geopolitical tensions, inflation concerns, and interest rate uncertainty, the conversation highlights why reacting emotionally can be one of the costliest financial mistakes investors make. You'll also learn: Why market volatility can create opportunity for patient investors How successful investors separate short-term noise from long-term strategy The hidden tax opportunities that can emerge after market losses Important wealth transfer and gifting considerations for families Key tax deadlines and charitable planning strategies to know this year When uncertainty rises, successful investors don't focus on predictions—they focus on process, discipline, and making thoughtful decisions. Tune in to discover the habits and strategies that help investors stay confident when markets become uncertain. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 6/04/26 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  

Markets are climbing, AI earnings are surprising Wall Street, and inflation still refuses to cool off completely… so why are more investors suddenly reviewing their portfolios before the second half of the year? In this episode, the team breaks down what's driving today's market rally, why rising interest rates still matter, and how concentration risk may quietly be growing inside many portfolios. From AI-driven earnings momentum to sticky inflation and mixed economic signals, the conversation reveals why smart investors are focusing more on diversification, portfolio positioning, and long-term strategy right now. The discussion also dives into: Hidden portfolio overlap and concentration risk many investors don't realize they have Tax-efficient strategies that may help reduce portfolio exposure without unnecessary tax consequences Why conflicting consumer confidence data may not tell the full economic story How emotional reactions to headlines can quietly damage long-term investment results If you've been wondering whether your portfolio is truly prepared for the rest of 2026, this episode is packed with insights designed to help investors stay informed, disciplined, and confident through uncertainty. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 5/28/26 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  

Markets are climbing, inflation is lingering, and investors are starting to ask a bigger question: what happens if interest rates stay higher for longer? In this week's WWM Talks: Market Update, the team breaks down why bond markets may be signaling future rate hikes, how rising oil prices could pressure both consumers and stocks, and why inflation risk matters far beyond the gas pump. They also unpack the growing concentration inside the market as AI, semiconductors, and mega-cap tech continue driving returns while many other sectors lag behind. You'll also hear: Why higher bond yields are creating new risks and opportunities How investor behavior can quietly become the biggest portfolio risk Why software and retail stocks may deserve a second look What trillion-dollar AI IPOs could mean for market momentum Why "doing nothing" with cash can still hurt long-term wealth The bigger risk right now may not be the headlines themselves—it may be getting too comfortable with what's been working in the market lately. This episode explores why smart investors are paying attention beneath the surface: rising bond yields, concentrated market performance, inflation pressure, and shifting opportunities that could quietly reshape portfolios over the next year. As AI excitement continues driving headlines, the conversation turns toward what disciplined investors should really be watching next. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 5/21/26 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  

The market keeps hitting new highs… but investors may be feeling more uneasy than the headlines suggest. In this week's episode, the team unpacks a market being powered by a very narrow group of AI and semiconductor stocks while inflation, rising gas prices, and weakening consumer sentiment continue building pressure beneath the surface. What looks strong on paper may actually be hiding growing cracks across the broader economy.  Here's what you'll hear: • Why chip and AI stocks continue dominating market momentum • What rising CPI numbers and stubborn inflation could signal next • Why some sectors are quietly falling behind despite market gain  • The danger of becoming too concentrated in a few winning investments • Smart retirement and portfolio conversations happening right now •  • Tax planning opportunities many investors overlook after filing season Plus, the team discusses where money may flow next if today's market leaders begin losing momentum. The takeaway: strong markets don't always mean smooth conditions underneath — and positioning matters more than ever right now. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 5/14/26 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

Markets are rallying, earnings are crushing expectations, and some of the most beaten-down software companies may be finding new life through AI. In this week's WWM Talks, Catherine, Greg, and Vince break down one of the strongest earnings seasons since 2022 and why corporate profits continue to drive markets higher despite geopolitical uncertainty and rate concerns. The conversation also dives into the next phase of the AI boom—where oversold software companies, semiconductor demand, and massive infrastructure spending are reshaping investor sentiment. You'll also hear: Why investors may want to avoid chasing extended tech stocks How buffered ETFs can help manage downside risk The growing impact of AI on global markets and emerging economies Real-world financial planning conversations around retirement moves, home upgrades, and cash flow strategies The bigger question now: is this rally laying the foundation for the next wave of growth… or quietly setting the stage for the market's next surprise? Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 5/07/26 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

It feels like everything is happening… yet portfolios are barely moving. In this week's episode, the team unpacks a market full of noise, earnings beats, AI hype, Fed updates, and geopolitical tension, yet surprisingly little real progress. Under the surface, markets are wrestling with a bigger question: not what companies earned yesterday, but whether today's massive investments, especially in AI, will actually pay off tomorrow. That tension is creating a push-and-pull between strong fundamentals and cautious investor sentiment, leaving markets active… but directionless. Here's what you'll hear: Why strong earnings didn't translate into stock gains The growing cost of AI—and why investors are hesitating What the Fed's latest move (or lack of it) signals going forward Plus, a real-life planning moment where "missing" accounts changed a retirement outlook overnight—more common than you think. And on the tax side: Why IRS and California notices are showing up after filing What delays really mean for refunds and payments The takeaway: When headlines are loud and markets feel uncertain, the real advantage comes from staying organized, flexible, and intentional. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 4/30/26 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

Markets are climbing… but should you feel confident—or cautious? This week's episode unpacks a market that continues to rise despite ongoing global tension, strong earnings, and shifting investor sentiment. While headlines focus on uncertainty, the real story is what's happening underneath—and what it means for your strategy. Here's what you'll hear: Why markets are hitting highs—even with geopolitical risk What the Fear & Greed Index is signaling right now How strong earnings (especially in tech) are driving momentum Why chasing returns in "greedy" markets can backfire Real-life planning moments: divorce, widowhood, and sudden liquidity Plus, key tax and planning insights: The 2-year window to sell a home after a spouse passes How inherited assets can be valued (and why timing matters) Smart ways to help children financially—without creating tax issues What's changing with charitable deductions in 2026 The takeaway: It's not just about what markets are doing—it's about how you respond when life, taxes, and opportunity all collide. Because markets may react to headlines—but your strategy shouldn't. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 04/23/26 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

The Market Shift Nobody Saw Coming In this week's episode, the team breaks down a market that flipped from fear to optimism in just weeks—reminding investors how quickly narratives can change. From a ceasefire headline to a surge in tech and software stocks, the rebound has been sharp… but what's actually driving it? Here's what you'll hear: Why markets bounced back so quickly—and what changed The surprising shift in the Fear & Greed Index (and what it signals) How AI, innovation, and software stocks are staging a comeback What interest rates, inflation, and Fed expectations mean right now Tax season surprises—from unexpected refunds to costly mistakes Smart planning moves: Roth conversions, deductions, and timing strategies Plus: real client stories that highlight how small tax details can lead to big outcomes. The takeaway: Markets may change overnight—but your strategy shouldn't. Because the real edge right now isn't reacting faster… it's planning smarter. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 04/16/26 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

Most people don't realize they don't have a plan… until it's too late. In this episode, the team dives into one of the biggest retirement mistakes they see over and over again: not having a real plan. And not just any plan—a written, living, evolving strategy that actually reflects your goals, values, and life changes. Because here's the truth: hoping things will "work out" is not a strategy. Inside this episode: The 3 biggest questions everyone asks about retirement—and why the answers depend on your plan Real-life stories of costly blind spots (from Social Security surprises to failed inheritance plans) Why "winging it" with your finances can quietly derail your future How small habits (like daily spending) can dramatically impact long-term outcomes The importance of adapting your plan through different life stages and seasons Why even successful, wealthy individuals still worry about running out of money The role of a financial advisor as your "coach" when markets—and life—hit you in the face The takeaway: A solid financial future doesn't happen by accident. It's designed, reviewed, and adjusted over time. Because when it comes to retirement… having a plan isn't optional—it's everything. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 07/21/24 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

What if the biggest financial mistake isn't what you do—but when you do it? This week's episode breaks down a market that moved quickly but ended up in nearly the same place—highlighting how easy it is to confuse activity with progress. While headlines focused on oil spikes, global tension, and rate speculation, the real story is how disciplined investors avoid reacting to noise. But the deeper conversation goes beyond markets… Because one of the most overlooked risks right now isn't volatility—it's timing, especially when it comes to Medicare and taxes. Here's what you'll hear: What actually drove recent market swings—and why they didn't change the bigger picture Why oil headlines can be misleading for long-term investors A common tax surprise: owing on income you never actually received Smart strategies if you're filing an extension or planning quarterly payments Plus, a deeper look at Medicare timing decisions that can impact your costs: Why premiums are rising—and what's really driving them How IRMAA can quietly increase what you pay The key planning window most people miss How Roth conversions can unintentionally raise Medicare premiums The takeaway: It's not just what you do—it's when you do it. And getting that timing right can make all the difference. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 04/09/26 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

What if the biggest risk right now isn't the market—but how fast it's reacting? In this week's episode, the team breaks down a market that feels like it's constantly moving… yet ends up right where it started. With headlines driving rapid swings—from geopolitical tension to oil price shocks and shifting Fed expectations—investors are being pulled into a faster, more reactive environment. Inside this episode: Why markets surged 2–3% in minutes—and what sparked it How global tension and oil prices are fueling short-term volatility What's really happening with interest rates, mortgages, and cash yields Why expected Fed rate cuts may not come as soon as investors think A rising tax season threat: identity theft—and how to protect yourself Key strategies around RMDs and charitable distributions Why fear is increasing—even when markets haven't changed much The takeaway: When markets move this fast, reacting without a strategy can be costly. And as we close this episode, we want to recognize an incredible milestone—Steve Wolff's retirement after 40 years in the industry. His guidance, perspective, and steady approach to investing reflect exactly what this episode is all about. Beyond his experience and insight, Steve brought a sense of humor and lightness that made even the most complex conversations more enjoyable. Tune in now to cut through the headlines—and carry forward the kind of strategy that stands the test of time. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 04/02/26 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

It feels like everything is breaking—but is it, really? This week's market environment, shaped by geopolitical tension, rising oil prices, and shifting Fed expectations, is testing investor confidence. But beneath the noise, a more important story is unfolding—one about the true value of long-term strategy. In this episode, the team breaks down what recent market reactions actually reveal—and why moments like this are where disciplined investors separate from reactive ones. Inside this episode: What's really driving the latest market volatility and why it may not be as severe as it feels How oil prices and global events are influencing short-term market behavior The latest on rate cuts, yields, and where cash is sitting today Costly tax mistakes tied to stock options and equity compensation Overlooked details like QCDs that can impact your tax bill How a coordinated, long-term approach brings clarity during uncertain times The takeaway: You can't control headlines or global events—but you can control your strategy. And in environments like this, that's what matters most. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 03/26/26 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

Markets felt loud this week—but were they actually that dramatic? Between rising global tensions, oil price swings, and hotter-than-expected inflation data, it's easy to feel like everything is unraveling. But beneath the headlines, the real story may be far more measured—and far more strategic. In this episode, we cut through the noise to uncover what's actually driving market behavior right now. From shifting interest rates to changing cash yields, we break down what matters—and what might just be distraction. You'll also hear where many investors are miscalculating their tax exposure this season—and why it's showing up as an unexpected surprise. Inside this episode: • What's really behind this week's market pullback—and why it may not be as alarming as it feels • How oil prices and global events are shaping investor behavior • Where interest rates, mortgage trends, and cash yields stand right now • The tax missteps catching investors off guard—and how to stay ahead of underpayment penalties • Key timing considerations for Roth conversions and delayed K-1s • Why patience—not panic—may be the smartest move before deploying cash Because when uncertainty rises, the goal isn't to react—it's to respond with clarity. Watch now to stay grounded, informed, and one step ahead. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 03/19/26 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

Markets have been anything but calm lately. With geopolitical tensions disrupting oil supply and headlines shifting daily, investors are asking the same question: Is this time different? In this week's WWM Talks Market Update, Catherine Magaña, Rachel Ivanovich, Vince Stefano, and Steve Wolff break down the forces driving market volatility right now—and why perspective matters more than panic. The team discusses how the recent conflict affecting oil markets has pushed prices toward $100 per barrel and sparked fear across investors. But history shows that market swings of 10–20% within a year are actually normal, even in years that finish strongly positive. You'll also hear insights on: Why market fear has spiked into "extreme fear" territory How oil prices and global shipping disruptions are impacting inflation Why the probability of Fed rate cuts has shifted dramatically The evolving role of AI in productivity and corporate earnings What long-term investors should watch during headline-driven markets Plus, the conversation dives into retirement planning topics like Medicare IRMAA surcharges and how income spikes can affect premiums. The takeaway: volatility is temporary—but strategy, discipline, and long-term thinking are what help investors stay confident through it all. Date Recorded: 03/12/26 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

Markets don't move in a straight line—and this week proved it. In this episode, the WWM team breaks down a whirlwind week filled with geopolitical tension, AI uncertainty, shifting oil prices, and a volatile stock market. With headlines dominating the news cycle, investors are left wondering: is this just noise, or something bigger? Catherine Magaña, Rachel Ivanovich, Greg Carroll, and Steve Wolff unpack what's really happening beneath the surface. From market swings and Fed rate expectations to the surprising resilience of economic data, the conversation highlights why perspective matters when volatility spikes. The team also dives into historical market behavior during wars and geopolitical events—and the data may surprise you. While short-term reactions can be dramatic, history shows that markets often recover and move higher over time. On the tax side, Rachel shares important trends she's seeing this filing season, including increased scrutiny on pass-through entities, passive loss limitations, charitable deduction documentation, and a few lesser-known reporting quirks that could impact refunds. Plus, a timely reminder for anyone relocating between states: residency rules—especially in California—can be far more complicated than many people realize. If recent headlines have you feeling uneasy about your investments or taxes, this episode offers context, perspective, and practical insight to help you stay focused on the long game. Date Recorded: 03/05/26 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

Markets flat. AI volatile. Mortgage rates dipping. Social Security uncertain. Tax season in full swing. In this week's episode, the team breaks down what's really happening beneath the headlines. Despite dramatic news cycles and a Fear & Greed Index sitting in "fear" territory, the major indexes are holding relatively steady so what's actually driving the movement? You'll hear: Why strong AI earnings didn't stop certain tech stocks from selling off What market "rotation" really means for diversified investors Why big, innovative companies may still deserve a place in portfolios Mortgage rates flirting with 6% and what that could mean for real estate The Social Security claiming conversation many retirees get wrong The truth about refunds, surprise tax bills, IRMAA surcharges, and W-4 adjustments Plus, a timely reminder: your tax return tells a story. Are you reading it? If you've been feeling uneasy about volatility, confused about when to claim benefits, or unsure how taxes fit into your investment strategy, this episode connects the dots. Steady markets. Smart planning. Long-term thinking. Date Recorded: 02/26/26 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

Markets are wobbling… tech is resetting… and the Fed? Still in a tug-of-war. In this week's episode, the team breaks down what's really driving volatility—from AI stock pullbacks and shifting valuations to interest rates, inflation cooling to 2.4%, and why a March rate cut looks unlikely With the Fear & Greed Index sliding into "fear" territory, investors are feeling the headlines—but should they react? We unpack: Why sentiment moves markets short term—but earnings drive long-term results What falling P/E ratios in tech could mean for opportunity The real story behind jobs data, GDP strength, and business investment How AI is quietly transforming every sector—not just tech Plus, timely tax talk: why overpaying the IRS is an interest-free loan, how to hit your safe harbor sweet spot, and why estimated payments matter more this year And a powerful client story: sometimes the best retirement decision is working a few years longer—and the peace of mind that follows is priceless. Tune in and stay ahead. Date Recorded: 02/19/26 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

Markets are shifting, mortgage rates are hovering near 6.9%, and the Fed's next move is anything but certain. This week, we break down what's really happening beneath the headlines—small caps bouncing, the Nasdaq still lagging, and why AI spending and 100-year bonds are raising eyebrows Special guest J.R. Phillips, local Carlsbad broker and probate real estate specialist, joins us for a candid conversation about today's housing market. Is it a buyer's market? Seller's market? Not quite. It's a price-it-right-or-pay-the-price market. Homes are either selling in under 20 days—or sitting for 100+ We also unpack: The "magic" mortgage rate that unlocks buyer demand Why 5.5% could change everything The growing impact of divorce, widowhood, and step-up in basis planning Insurance headaches and California's looming "zero zone" rules Why sellers need an exit strategy before listing Plus: Fear & Greed Index update (we're back to neutral), tax season reminders, and details on our upcoming Her Financial Year workshop. If you own real estate—or are thinking about it—this is an episode you'll want to hear before making your next move. Date Recorded: 02/12/26 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

Caregiving is a labor of love—but it can also be one of the biggest threats to a solid retirement plan if it's not planned for ahead of time. In this episode, the WWM Financial team dives into the real financial and emotional costs of caregiving, whether it's for aging parents, a spouse, extended family, or even adult children. You'll hear eye-opening numbers around assisted living, in-home care, and nursing facilities—and why those costs often show up faster (and last longer) than families expect. The conversation goes beyond dollars, exploring the emotional toll on caregivers, the career sacrifices many people quietly make, and the ripple effect this can have on long-term financial security. The hosts also share practical strategies to help reduce the impact: planning ahead with emergency funds, understanding insurance options, using Health Savings Accounts wisely, and having honest family conversations before a crisis hits. If caregiving is something you're facing now—or something you want to be prepared for in the future—this episode offers perspective, planning ideas, and a reminder that caring for others shouldn't mean sacrificing your own financial well-being. Date Recorded: 06/26/24 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

Markets are feeling uneasy—but are they actually breaking down, or just catching their breath? In this week's episode, the team brings calm, context, and clarity to a market that feels more dramatic than it truly is. Instead of reacting to headlines, the discussion focuses on what the numbers are really saying from uneven market performance to why a handful of big stocks can distort the story. The team explains how to think about short-term volatility, profit-taking, and why today's market moves don't automatically signal a recession or a larger breakdown. Beyond the markets, the conversation turns deeply practical. The team shares real-life planning scenarios involving inherited IRAs, widows facing complex financial decisions, and why acting too fast can lead to costly tax mistakes. A standout segment explains the little-known concept of "casualty gains" and how insurance payouts after natural disasters can unexpectedly trigger large tax bills if handled incorrectly. Add in a realistic take on AI as a powerful tool (not a market killer), a check-in on the Fear & Greed Index, and a preview of next week's real estate discussion and this episode delivers timely perspective when investors need it most.   Date Recorded: 2/05/26 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

This week's market update covers a lot of ground—and a few curveballs investors should be paying attention to. The team breaks down what's really happening beneath the headlines as stocks wobble, rates remain stubbornly high, and investor sentiment flirts with "greed." From there, the conversation digs into what's driving today's market mood—from stubbornly high interest rates and mounting government debt to why investor sentiment is shifting so quickly. The team also breaks down the recent pullback in mega-cap tech and AI stocks, exploring whether this move reflects deeper concerns about valuations and spending—or a reset that could create new opportunities for disciplined investors. But one of the most important moments comes when the discussion turns personal: what surviving spouses need to know when inheriting an IRA. The rules are complex, the tax consequences are real, and getting it wrong can cost hundreds of thousands of dollars. If you want perspective, planning insights, and a reminder of why diversification and guidance matter—this episode is worth your time. Date Recorded: 1/29/26 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

If you checked the markets this week and felt a little whiplash, you're not alone. Volatility made an early appearance in 2026—but as this episode reveals, the bigger story isn't the swings themselves. It's how disciplined planning, tax awareness, and perspective help investors stay grounded when uncertainty shows up fast and uninvited. You'll hear thoughtful insights on interest rates, mortgage trends, GDP growth, and what upcoming Fed decisions could (and won't) mean for investors. The conversation dives into volatility—when it hurts, when it helps, and how sophisticated strategies like structured notes and disciplined buying during pullbacks can turn uncertainty into opportunity. On the tax side, the episode highlights why 2026 planning matters more than ever. New income phase-outs, senior deductions, SALT limits, and AGI-based strategies make proactive planning critical—especially for high-income households. Expect practical ideas like charitable distributions, loss harvesting, timing RMDs, and retirement contributions. The episode wraps with a refreshing reminder: money is a tool for living well. From market dips to date nights, this one balances numbers with perspective—and keeps investing grounded in purpose. Date Recorded: 1/22/26 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

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

A new year is here and so is a fresh look at what lies ahead for investors. In this episode, the WWM Financial team kicks off 2026 with a recap of how markets wrapped up 2025, why the strong start to January matters, and what volatility could mean in the months ahead. The conversation dives into headlines about potential market "crashes," interest rate expectations, and where opportunities may be hiding beneath the noise. From tech and software stocks to healthcare innovation and sector rotation, the team shares insights on what could drive the first half of 2026 and why flexibility will matter more than ever. On the planning side, tax season is officially on the radar. The team breaks down key early-year moves, including charitable planning with IRAs, required minimum distributions, withholding adjustments, and why now is the best time to review your financial plan before surprises pop up later in the year. Markets, taxes, policy shifts, and smart planning—all in one episode designed to help you start the year informed and confident. 🎯 Date Recorded: 1/08/26 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

Retirement planning isn't just about spreadsheets and savings rates—it's about preparing for life's curveballs. In this episode, the WWM Financial team dives into one of the most overlooked (and costly) retirement mistakes: not planning for unforeseen circumstances. From divorces that split more than just emotions, to sudden illness, death of a spouse, market downturns, and even helping adult children in crisis, this conversation gets real—fast. With candid stories, practical examples, and a few laugh-out-loud moments (yes, even pickle forks make an appearance), the team breaks down why emergency funds, proper insurance, and stress-testing your plan are non-negotiables. You'll hear why pensions and survivor benefits deserve more attention, how taxes can quietly sabotage decisions made under stress, and why waiting until after a major life event can limit your options. Most importantly, this episode reinforces a simple but powerful truth: the best financial decisions are made before life forces your hand. If you want a retirement plan that can bend without breaking—this is a must-listen. Date Recorded: 6/26/24 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

What's the most expensive retirement mistake people make—without even realizing it? Waiting too long to start. In this episode, the team dives into why starting early matters more than how much you save, and how the power of compounding can quietly do the heavy lifting over time. From jaw-dropping examples of small contributions turning into seven figures, to real-life stories that bring investing to life, this conversation makes the math (and the motivation) feel real. You'll hear why longevity is changing the retirement equation, how inflation complicates "safe" savings choices, and what to do if you feel behind—whether you're in your 30s, 50s, or even closer to retirement than you'd like. The discussion also explores smart ways to take advantage of employer matches, catch-up contributions, and flexible options for self-employed individuals. One of the biggest takeaways? It's never too early—or too late—to build better habits. Starting now, staying consistent, and letting time work for you can completely change the outcome. If you've ever thought, "I'll get serious about retirement later," this is the episode you'll want to hear before another year slips by. Date Recorded: 7/21/24  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

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.   Date Recorded: 12/23/25 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

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. Date Recorded: 12/18/25 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

Markets may look calm on the surface, but underneath, powerful shifts are already underway. While headlines focus on "flat" weeks, quieter parts of the market are breaking out, inflation is behaving in unexpected ways, and investors are starting to reposition for what could be a very different 2026. In this episode of WWM Talks, the guys dig into what's really driving returns right now, and why paying attention to the wrong signals could mean missing the next phase of opportunity. You'll hear why smaller stocks, equal-weighted indexes, and overlooked sectors are quietly making new highs, how falling interest rates are reshaping market leadership, and why this doesn't look like a replay of the 2000 tech bubble. The conversation also dives into inflation's stickiest drivers housing, food, labor, and services and what they mean for Fed policy going forward. The group explores rising M&A activity, the massive AI spending boom, energy constraints, and why business investment could be a powerful tailwind heading into 2026. Plus, a candid discussion on taxes, profit-taking, and why paying more in taxes often means you're doing something right. A thoughtful, forward-looking episode for investors focused on the bigger picture, not the daily drama. Date Recorded: 12/11/25 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

This week's episode delivers a sharp, timely breakdown of the markets as we head into the final stretch of the year. Catherine, Rachel, Steve, and Vince unpack the sudden surge in stocks, why small caps are finally waking up, and what's driving the shift in rate-cut expectations for 2025. They also decode the mid-November market turbulence, what really caused institutions to reposition so quickly, and why those moves created outsized swings investors couldn't ignore. From there, the conversation moves into the mechanics of rates, mortgages, and the potential shake-up in Fed leadership and how each could shape the investment landscape in the coming year. Rachel brings essential year-end tax guidance, including FSA deadlines, contribution rules, deduction timing, and the surprising situations where Roth conversions don't make sense. The team also highlights the emotional traps investors fall into, the importance of real diversification, and why earnings, not headlines, remain the ultimate market driver. Whether you're planning ahead, reviewing allocations, or simply trying to make sense of the noise, this episode delivers the clarity and context investors need right now. 🎧 Tune in and stay ahead of what's coming next. Date Recorded: 12/04/25 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

In this episode, Catherine, Greg, Steve, and Vince unpack one of the wildest market weeks of the year a roller-coaster ride fueled by surprise economic data, shifting Fed expectations, and tech-sector drama that had investors glued to the screen. From a 35% swing in the S&P this year to a Fear & Greed Index plunging to 7 (yes, seven), the team breaks down what's behind the sudden spike in fear and why panic-selling is the worst move you could make right now. They dive into job numbers, rate-cut odds collapsing from 90% to 35%, and how big-name tech earnings beat expectations yet still sent markets spinning. You'll also hear how extreme concentration in top tech stocks is shaping risk, why AI infrastructure demand "exceeds all expectations," and what investors should actually do during a classic bull-market correction. Plus real estate surprises, what rising home sales mean for mortgage seekers, and a timely reminder about checking your beneficiaries as we head into year-end estate-planning season. It's fast, it's fun, and it's full of insights to help you stay level-headed in a jittery market. Date Recorded: 11/20/25 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

This week's episode is packed because the markets did not take a break. Catherine, Greg, Rachel, and Vince unpack everything from the end of the 43-day government shutdown to the surprising shifts in stocks, rates, and IRS rules you'll want on your radar. We break down why the Nasdaq dipped, why the Dow climbed, and what investors should read into the sudden rotation from tech into value. Plus, the Fed's December rate-cut odds just slipped from 65% to 55%… so yes, the markets are jittery, and we explain what that means for investors. You'll also hear the latest on 2026 retirement contribution limits, why charitable giving rules are changing, and how to use year-end strategies like tax-loss harvesting, QCDs, and catch-up contributions before the year closes. And because we love a good fun fact: the U.S. is discontinuing the penny, after learning it costs 3.69 cents to make one.  If you want practical guidance with a little entertainment sprinkled in, this episode delivers it. 🎧 Tune in and get ahead of what's moving the markets and your money right now. Date Recorded: 11/13/25 Correction: In the podcast we mention that it costs $3.69 to make a penny when it actually costs 3.69 cents. United States Mint Penny FAQs https://www.usmint.gov/news/media-kit/penny?srsltid=AfmBOoplCMjqOgJpdUlTSQCLmFh54BcUIueT0bchaU8iFipdNJE3I9Hk 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

What happens when the government shuts down for 37 days, the IRS stops answering calls, and the market takes a breather? Catherine Magaña, Greg Carroll, Steve Wolff, and Rachel Ivanovich unpack another wild week in finance, from delayed tax refunds to the psychology of "high-water marks" and why volatility isn't the villain investors think it is. They'll break down what's driving market pullbacks, the Fed's next move, and why fear (yes, the Fear & Greed Index kind) can actually create opportunity. Plus: Rachel shares real-life strategies for using donor-advised funds to cut taxes while giving back, and the team debates whether an aggressive Roth conversion could be the smartest move before 2026 tax changes hit. It's a mix of humor, market smarts, and timely planning ideas to help you close out 2025 with confidence, and maybe even sleep a little better at night. 🎧 Tune in to learn how to stay calm, charitable, and strategically invested when everything else feels uncertain. Date Recorded: 11/06/25 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

In this eye-opening episode, Catherine Magaña, Steve Wolff, Rachel Ivanovich, and Greg Carroll unpack one of the sneakiest money mistakes people make, spending big on depreciating assets that don't generate income. From luxury cars and RVs to paying off your low-rate mortgage too soon, they reveal how "feel-good" purchases can quietly derail your long-term financial security. The team shares stories of clients who traded liquidity for peace of mind, and why that decision sometimes backfires. They break down the real cost of buying a new car, the opportunity cost of paying cash, and the psychology behind wanting everything paid off. 🎧 Tune in to learn: Why your dream car may be costing your future self The myth of "real estate always goes up" When paying off your mortgage makes sense (and when it doesn't) How to align spending with your bigger financial plan So whether you're into cars, homes, or the next big "must-have," this episode will make you think twice before trading future growth for short-term satisfaction. Date Recorded: 06/30/25 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

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 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

Markets are moving, the government 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) 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

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 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

The markets are moving, the government's at a standstill (again), and gold just hit a record high, so what does it all mean for your money? In this week's episode, Catherine Magaña, Rachel Ivanovich, Steve Wolff, and Greg Carroll unpack the biggest financial headlines with their trademark mix of insight and humor. From the government shutdown's ripple effect on the IRS and rate cuts, to the surprising strength of small-cap stocks and AI's continuing dominance, the team breaks down what's driving today's market highs and what you should be watching next. Rachel also shares critical Medicare and HSA planning tips (hint: don't mix them up!) and reminds everyone that October 15th is more than just a date on the calendar, it's a major tax deadline. Whether you're curious about how global events might shake up the markets or just trying to make sense of rising prices and shifting rates, this episode connects the dots between the headlines and your financial life. The team shares practical takeaways to help you stay grounded, protect your portfolio, and make confident decisions—no matter what's happening in the economy 🎧 Tune in to get clarity, perspective, and a few good laughs along the way. Date Recorded: 10/9/25 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

Markets are moving, rates are shifting, and yes, there's talk of another government shutdown. But what does all this really mean for your money? In this episode, Catherine Magaña, Rachel Ivanovich, and Vince Stefano break it all down with their signature mix of insight, perspective, and a dash of humor. You'll hear: Why the Nasdaq and S&P 500 are still climbing, even amid uncertainty. How past shutdowns have surprisingly impacted markets (hint: not always the way you think). Why ETFs are pulling in billions this year as investors chase performance. A smart strategy for handling concentrated company stock in your 401(k). The latest updates on Roth catch-up rules and what they mean for your taxes. A fascinating estate planning tactic called "upstream gifting" that could save on future capital gains. Whether you're curious about the Fear & Greed Index, worried about interest rate cuts, or simply want to know if Social Security checks will still arrive, this episode has you covered. Tune in, get informed, and keep your money working smarter through every twist and turn. Date Recorded: 10/2/25 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

Think retirement is a 10–15 year journey? Think again. With longer lifespans, rising healthcare costs, and the silent creep of inflation, many people drastically underestimate just how long their retirement will last and how much it will cost. In this episode, Catherine Magaña, Steve Wolff, Rachel Ivanovich, and Greg Carroll break down one of the biggest retirement mistakes: not planning for enough years or enough dollars. From surprising facts about Medicare gaps and Social Security's uncertain future to why working just one more year can make a huge difference, the team shares eye-opening insights and practical strategies. You'll also hear stories from real client experiences, a few laughs about public speaking fears versus running out of money, and timeless lessons about why your plan needs to evolve as your life does. Whether you're five years from retirement or already in it, this episode will help you rethink your timeline, prepare for unexpected costs, and build a plan that lasts as long as you do. 🎧 Tune in now - your future self will thank you. Date Recorded: (8/15/24) 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