Savvy Women Talk Money

Hosted by Savvy Women Wealth Management

Business Investing Education

Website RSS feed

Episodes

114

Latest episode

Oct 2026

Language

EN-US

About the show

You've spent a lifetime using your strengths as a woman to make smart decisions about life. Isn't it time to apply those same strengths to making financial decisions and investing? Listen in and learn how to apply your natural strengths as a woman to managing your finances and investing so you can accomplish more with your money. Without giving up lattes, wine or mani-pedis. Hosted by Catherine Magaña, CFP® & Rachel Ivanovich, EA, MBA Savvy Women Wealth Management is an SEC Registered Investment Advisor

Listen to episodes

60 recent

October 14, 2026Episode 812 min

Inherited IRA Rules Before You Take Money Out

You inherited an IRA. Now what? Before you take money out, there are some important rules you need to know—and one wrong move could lead to an unexpected tax bill! Whether you're thinking about paying off debt, retiring early, or helping family, understanding inherited IRA rules could save you from costly financial surprises. In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich break down what happens when you inherit an IRA, the questions you should ask, and why the timing of your withdrawals matters. In this episode, discover: What to do first after inheriting an IRA Inherited Roth IRA vs. traditional IRA rules How the SECURE Act's 10-year withdrawal rule works When required minimum distributions (RMDs) may apply Why taking a lump sum could create unexpected taxes How to avoid costly inherited IRA and 401(k) transfer mistakes How an inheritance could fit into your retirement plans Inherited an IRA? Don't rush to withdraw! Watch now to learn what to consider before making your next move. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 10/08/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

October 7, 2026Episode 712 min

What To Do After Inheriting Money Near Retirement

You just received an inheritance. Now comes the question you may not have expected: What should you actually do with it? When you're nearing retirement, an inheritance can open new possibilities—but it can also create decisions about taxes, investments, retirement income, and when you can retire. And before making any big moves, there's an even more important question: "I Inherited What?" In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explore what to do after inheriting money near retirement and why the type of asset you receive can make a big difference. You'll discover: Why your first move may be to slow down How an inheritance could change your retirement plan Why cash, investments, IRAs, and property require different considerations Tax questions to consider before making decisions How inherited wealth can fit into your retirement income strategy Why the bigger picture matters before you spend, invest, or make major changes An inheritance may change what's possible. The important part is deciding what happens next. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 10/01/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

September 30, 2026Episode 610 min

Can A Roth Conversion Increase Your Medicare Premiums?

You may know a Roth conversion can affect your taxes—but what about your Medicare premiums? In this episode, Catherine Magaña and Rachel Ivanovich break down the important connection between Medicare and Roth conversions. A Roth conversion increases taxable income, which could push you into a higher IRMAA bracket and increase what you pay for Medicare. And because Medicare generally looks back at income from two years earlier, the impact may not show up right away. But does a higher Medicare premium mean you shouldn't convert? Not necessarily. The key is looking beyond one year and understanding how a Roth conversion fits into your overall retirement and tax strategy. In this episode: How Roth conversions can increase Medicare premiums How Medicare IRMAA works Why the two-year lookback matters Other income that can affect your planning Why spreading Roth conversions over time may make sense How Medicare costs compare with potential long-term benefits Before making a Roth conversion, know how Medicare, taxes, and retirement income can all work together. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 9/24/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

September 23, 2026Episode 614 min

What Should You Know About Roth Conversion Taxes?

Would you ever choose to pay more in taxes today if it could put you in a better position tomorrow? That's the question behind Roth conversion planning—and the answer isn't always as simple as "pay less tax now." In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explore what you should know about Roth conversion taxes and why looking beyond this year's tax bill can be so important. From changing tax brackets and retirement income to RMDs and Medicare premiums, a decision that looks expensive today may look very different when viewed over your lifetime. In this episode: Why Roth conversion decisions shouldn't be based on one tax year How your tax situation can change throughout retirement Why lower-income years may create Roth conversion opportunities How RMDs can affect future taxable income Why Medicare premiums and other retirement considerations matter How Roth conversions can fit into a broader, long-term tax strategy When it comes to Roth conversions, the bigger question may not be "What will this cost today?" but "What could my taxes look like tomorrow?" Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 9/17/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

September 23, 2026Episode 59 min

How Much Is Too Much To Put Into A Roth IRA?

When it comes to a Roth conversion, the amount matters . Should you convert $25,000, $50,000, $100,000—or could converting too much at once create a bigger tax impact than you expected? In this episode of Savvy Women , Catherine Magaña and Rachel Ivanovich unpack one of the biggest questions surrounding Roth conversions: how much should you actually convert? The answer isn't as simple as picking a number. A conversion can affect your taxable income, Medicare premiums, and the amount of cash you'll need to cover the tax bill. And with Social Security, future RMDs, investments, and other income all entering the picture, a conversion that looks good today may have ripple effects tomorrow. You'll hear why sometimes smaller conversions over several years can make more sense—and why every year deserves a fresh look. You'll discover: What determines your Roth conversion amount How conversions can impact taxes and Medicare Why timing and other income matter How Social Security and future RMDs factor in Why more isn't always better Before making a Roth conversion, know what could make your amount too little, too much, or worth reconsidering. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 9/10/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

September 9, 2026Episode 414 min

Should You Do A Roth Conversion Before You Retire?

You've probably heard plenty about Roth conversions—but does doing one before retirement actually make sense for you? The answer depends on much more than simply moving money from one retirement account to another. Taxes, timing, future income, and your overall retirement plan all matter. In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explain how Roth conversions work, why taxes require timing, and what should be considered before making the decision. You'll discover: Why timing can make a difference with a Roth conversion How partial and multi-year conversions may work Why future RMDs should be part of the decision How conversions can affect Medicare premiums, Social Security taxation, and capital gains When a Roth conversion may not make sense Why today's tax bill needs to be weighed against your future tax picture A Roth conversion isn't simply a tax move—it's a decision that should fit into your larger retirement strategy. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 9/03/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

August 26, 2026Episode 311 min

Why Millionaires Still Question If Their Money Will Last

Having millions doesn't automatically mean feeling confident about retirement. Even financially successful retirees can find themselves asking the same question: Will my money really last? In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explore why millions meet reality when the steady paycheck stops and retirement begins. From longer lifespans and rising costs to market uncertainty and unexpected family or healthcare needs, having wealth is only part of the retirement equation. You'll hear insights on: Why successful savers can struggle to become confident spenders How inflation, longevity, and healthcare can affect retirement Why affluent retirees often underspend—even when they can afford more How multiple retirement income sources fit together The difference between financial security and financial confidence Why your retirement plan needs to adapt as life changes Having millions may look like financial security, but retirement brings new questions about spending, longevity, and the unexpected. The goal isn't to predict every twist and turn—it's to have a plan that can adjust with you, so you can make decisions with greater clarity, enjoy what you've built, and feel more confident about the years ahead. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 8/20/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

August 19, 2026Episode 210 min

When Your Paycheck Stops At Retirement, What Replaces It?

Retirement changes more than your daily routine—it changes where your income comes from. After decades of receiving a regular paycheck, suddenly you're responsible for creating one yourself. So when that employer paycheck stops, what replaces it? In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich discuss one of retirement's biggest financial and emotional transitions: going from saving and accumulating wealth to relying on it for income. They discuss why your income changes in retirement and how multiple sources can work together to support the life you've planned. You'll learn about: • How Social Security can become part of your retirement income • How investments, pensions, and rental income can work together • Why cash reserves can help during periods of market volatility • How taxes and withdrawal timing can impact where you take income from • Why creating a predictable monthly paycheck can provide greater peace of mind • How to prepare for larger expenses like a new car, home repairs, travel, or helping family • Why coordinating your income sources is more effective than relying too heavily on one account Your work paycheck may stop when you retire—but your need for income doesn't. The key is having a plan for what replaces it. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 8/13/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

August 12, 2026Episode 111 min

You Need A Retirement Income Plan, Not A Rule!

There's no magic number when it comes to retirement income. While rules like the 4% withdrawal rule can offer a starting point, your retirement deserves more than a one-size-fits-all formula. In this episode, Catherine Magaña and Rachel Ivanovich explain why retirement income planning requires a personalized strategy built around your lifestyle, spending needs, Social Security, pensions, investments, taxes, healthcare costs, and long-term goals. They also explore how inflation, market volatility, and sequence-of-returns risk can affect how much income your portfolio can sustainably provide. You'll discover why: Investment performance and retirement income aren't the same thing Your spending needs can change throughout retirement A retirement plan shouldn't be "one and done" Regularly revisiting your income strategy can help you adapt as life changes The goal isn't to find the perfect withdrawal rule. It's to create a flexible retirement income plan that helps you spend with confidence and live the retirement you've worked so hard to enjoy. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 8/05/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

August 5, 2026Episode 1009 min

Should A Conversation Ever Become An Investment decision?

When someone recommends a stock, crypto opportunity, or the latest hot investment, should that conversation become your next investment decision? More importantly, are you following your plan—or theirs? In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explore why even intelligent investors can be influenced by social proof, fear of missing out, and the confidence of others. Learn why disciplined investors don't ignore new ideas—they evaluate them through the lens of their financial plan before taking action. Whether the conversation starts at a barbecue, on the golf course, or over coffee, you'll discover how to separate great conversations from smart investment decisions while keeping your plan at the center of every financial choice. In this episode, you'll learn: Why investment conversations can quietly influence your decisions. The difference between curiosity and commitment. Questions successful investors ask before investing. How social proof and FOMO can impact your judgment. Why every investment should fit your financial plan, goals, and risk tolerance. Before your next investment conversation turns into an investment decision, watch this episode and make sure your financial plan—not someone else's opinion—is leading the way. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 7/30/26 Disclosure: Savvy Women Wealth Management 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. savvyup.com | 760.692.5700

Is this your show?

Claim this listing to keep it up to date, reach guests who want to pitch you, and manage bookings with Guestify.

Claim this listing

More Business podcasts

The Bottom Line

Alexander Spencer

BusinessInterviews guests