The WWM Financial Podcast

Hosted by WWM Financial

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100

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Aug 2026

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About the show

The real scoop about money, investing, business and the economy. WWM Financial is an SEC Registered Investment Adviser. Disclosures at: https://wwmfinancial.com/disclaimers

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September 11, 2026Episode 3120 min

How Bond Yields Impact Stocks And Investors

What happens when bonds start competing harder for investors' attention? As yields climb, the effects can reach beyond the bond market—shaping stock valuations, investor decisions, and expectations for where markets could go next. In this episode, the WWM Financial team discusses why the 10-year Treasury approaching 5% matters and how higher yields can create pressure for stocks, particularly growth stocks. They also explore how changing yields can influence the tradeoff investors face between stocks and bonds. ⏱️ Bond Yields, Stocks & Investors: 5:08–10:36 The conversation covers what could keep yields elevated, including inflation, oil prices, government and corporate bond issuance, and the outlook for interest rates. Plus, the team discusses individual bonds, bond ladders and bond funds, along with year-end tax planning, Roth catch-up contributions, estate planning, and the latest economic and market signals. As markets face changing yields, understanding the connection can help investors put today's market moves into perspective. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 9/10/26 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

September 3, 2026Episode 3018 min

Could Your Money Work Harder Than Paying Off Your Mortgage?

Paying off your mortgage may feel like the obvious financial move—but is it always the right one? In this episode, the WWM Financial team explores the factors that can make this decision more complicated than it seems. From low interest rates and taxes to opportunity cost, cash flow, and peace of mind, there's more to consider before saying goodbye to your mortgage. The bigger question isn't simply whether you can pay it off—it's what makes the most sense for your overall financial picture. Plus, the team discusses: The market tug-of-war between inflation, interest rates, earnings, and economic growth Why investors could see continued market volatility Tax considerations when selling a longtime family home Planning opportunities when moving into a continuing care retirement community Potential changes to the capital gains exclusion on home sales Sometimes the most obvious financial move deserves a second look. Question the payoff, understand the tradeoffs, and make the decision that fits your bigger financial picture. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 9/03/26 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

August 27, 2026Episode 2927 min

Can Your Retirement Survive Long-Term Care Costs?

Can your retirement survive the rising cost of long-term care? It may be one of the most important risks missing from your financial plan. In this episode, Catherine Magaña, Greg Carroll, and Vince Stefano welcome special guest Robert Sharon, a Certified Financial Planner and Accredited Estate Planner with decades of experience in insurance and long-term care planning. Robert breaks down why a long-term care event can put even a well-funded retirement under pressure—and why simply having significant assets doesn't mean you should ignore the risk. They discuss: The potentially significant cost of in-home care, assisted living, and memory care Whether it makes sense to self-insure for long-term care Traditional coverage vs. hybrid and life insurance strategies Protecting a spouse when one partner needs extended care Why you may only need to cover part of the risk The "forgotten risk" that could be hiding in your retirement plan Long-term care planning isn't about over-insuring—it's about understanding the risk and making sure your retirement strategy is prepared for the unexpected. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 8/27/26 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

August 20, 2026Episode 2821 min

The Rental Property Cash Flow Risk Every Investor Should Know

Rental properties can help build wealth—but what happens when the rent stops coming in and the expenses don't? In this episode, Catherine Magaña, Rachel Ivanovich, Vince Stefano, and Greg Carroll explore why rental property investors may need a bigger cash cushion than they realize. Using a real-world planning scenario involving multiple vacancies and a business slowdown, the team discusses why adequate reserves and liquidity can be critical when several financial pressures hit at once. They also cover: Treasury yields, interest rates, and recent market volatility The rotation out of big technology stocks and changing investor sentiment Why investors should consider risk tolerance instead of chasing the market New proposed guidance surrounding Trump Accounts How retirement and profit-sharing plans can fit into business and tax planning RMD projections, inherited IRAs, taxes, and potential Medicare IRMAA implications From rental properties to markets and taxes, this episode shows why looking at your entire financial picture matters when preparing for what comes next. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 8/20/26 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

August 13, 2026Episode 2720 min

Could Higher Inflation Keep Rates Higher Than Expected?

Higher inflation could mean higher interest rates for longer—but what could that mean for investors and their money? In this episode, the WWM Financial team breaks down the latest inflation data, the impact of rising oil prices, and why the Federal Reserve's next move may not be as predictable as investors hope. The conversation also explores how today's rate environment connects to the bigger financial picture, including: Why inflation could influence future interest-rate decisions How oil prices can add inflationary pressure What current mortgage rates and Treasury yields are signaling Whether cash and money-market yields are really keeping pace with inflation after taxes Important 401(k) decisions, including Roth vs. pre-tax contributions and investment choices Why the upcoming midterm elections could add another layer of market uncertainty With inflation driving the rate conversation, understanding what's happening—and how the pieces connect—can help investors stay focused as economic conditions continue to shift. Click on the following link to schedule a free consultation. https://wwmfinancial.com/consultation/ Date Recorded: 8/13/26 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

August 6, 2026Episode 2622 min

How Do You Know How Much You Can Safely Spend In Retirement?

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

August 3, 2026Episode 2513 min

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

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

July 30, 2026Episode 2421 min

AI Investing Is Entering Its Next Phase!

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

July 23, 2026Episode 2325 min

Don't Make This Investing Mistake In Today's Market

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

July 16, 2026Episode 2224 min

What AI Is About To Do To Inflation, Earnings And Investing!

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