The WWM Financial Podcast

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

https://wwmfinancial.com | (760) 692-5190

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now! 

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

WWM Financial Podcast If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

If you want to understand what's going on in the economy, get better insight into the financial markets, and separate the sound from the noise so you can make good financial decisions, tune in now!

https://wwmfinancial.com | (760) 692-5190

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

Welcome to Market Talk, where we delve into the latest financial insights and discuss the key considerations for the year-end.

Segment 1: Year-End Tax Planning

• Required Minimum Distributions (RMDs) and their implications for retirees.
• Inherited IRAs: Strategies and tax considerations.

Segment 2: Market Update

• Santa Claus Rally: Analyzing historical trends and factors influencing year-end market behavior. Federal Reserve's role: Discussion on current rates and potential rate cuts.

Segment 3: Economic Landscape:

• GDP and Consumer Spending: Impact on the market and broader economic trends.
• Travel Industry: Examining its recovery and potential market effects.
• Inflation: Current levels, concerns, and its influence on investment decisions.

Segment 4: Technology and Market Dynamics

• AI's Impact: Exploring how Artificial Intelligence influences markets and the broader economy.

Segment 5: Looking Ahead - 2024 Predictions

• Speculations and insights into potential market trends and economic developments.

Segment 6: Auto Industry Trends

• Hybrid Vehicles vs. EVs: Analyzing the ongoing shift in the automotive industry.

Segment 7: Bonds and Fixed Income

• Overview of bond markets: Current conditions and considerations for investors.

Segment 8: Political Landscape and Market Impact

• Election Influence: Examining how political events may affect the financial markets.

Conclusion:

Thank you for joining us on Market Talk. As we approach the end of the year, it's crucial to consider these factors in your financial planning. Stay tuned for more insightful discussions in our future episodes. If you enjoyed the podcast, please subscribe, leave a review, and share with your network. Until next time, happy investing!

Disclaimer

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. Wolff Wiese Magana, LLC dba WWM Financial, Savvy Doc Financial Planners, Savvy Women Wealth Management is a registered investment advisor with the SEC.

Hosts: Catherine Magaña, CFP® (Managing Partner), Steve Wolff, CFP® (Managing Partner), Greg Carroll, CFP® (Wealth Advisor), Rachel Ivanovich (Tax Strategist and Wealth Advisor).

Episode Highlights:

What does the $1.8 billion Realtor lawsuit mean for real estate?

-          The hosts dive into a discussion about the recent Realtor lawsuit concerning real estate fees, exploring its implications for the industry and potential impacts on the real estate market.

Interest Rates:

-          The team analyzes current interest rate trends and their effects on the market.

Economic Slowdown and Possible Recession:

-          An overview of the economic landscape, addressing concerns about a slowdown and the potential for a recession.

Planning Tips to Prepare for Next Year:

-          The hosts offer valuable tips for financial planning in the upcoming year, emphasizing proactive measures to secure financial well-being.

Tax Planning:

A detailed exploration of tax planning strategies in preparation for the new year.

-          Flexible Spending Account (FSA):

o   Assessing the FSA balance to make informed decisions about healthcare expenses.

-          W-2 Withholding:

o   Guidance on checking and adjusting W-2 withholdings for optimal tax outcomes.

-          Retiree Considerations:

o   Advising retirees to stay ahead by fulfilling estimated tax payments to avoid penalties.

-          Capital Gains and Losses:

o   Cautionary advice on offsetting large gains with losses and navigating wash sale rules.

-          Required Minimum Distributions (RMDs):

o   Ensuring RMDs are met to avoid penalties and stay in compliance with retirement account regulations.

-          Salary Deferrals, IRA Contributions, and Donations:

o   Discussing strategies such as salary deferrals, IRA contributions, and charitable donations to optimize tax benefits.

-          Gifting and Appreciated Stock:

o   Exploring gifting limits, charitable distributions, and the potential advantages of donating appreciated stock to charity.

Closing Thoughts:

The episode wraps up with a recap of key insights and a reminder to stay proactive in your financial planning.

Episode Recorded on 11/20/2023.

wwmfinancial.com | 760.692.5190

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.

Welcome To The Proactive Wealth Process.

In this episode, Rachel Ivanovich and Catherine Magaña discuss 3 big questions.

So if you want to know how much to save, what to invest in, and when to start investing so you can avoid running out of money in retirement, tune in now!

In this episode, you'll discover:

“3 Big Retirement Planning Questions ”

·         How much money do I need in retirement?

·         What investments should I be in?

·         When you should I start investing for retirement?

Learn more about how you can retire comfortably and remain comfortably retired at wwmfinancial.com

Thanks for Tuning In!

Thanks so much for being with us this week.

If you enjoyed this episode on 3 big questions, please share it with your friends.

Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "Proactive Wealth Process!"

Thanks for listening!

wwmfinancial.com | 760.692.5190 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.

In this installment of WWM Talks, we unravel the intricacies of markets, address pressing concerns, and unveil invaluable tips for seasoned investors and beginners alike. Tune in as we discuss the rising topic of bonds and why timing the market is so tricky. 

Join us as Steve reveals a common retirement mistake that could potentially jeopardize your nest egg, providing essential insights for safeguarding your financial future. Vince passionately underscores the transformative power of technology, painting a compelling vision of the investment landscape shaped by innovation.

Catherine shares the recent changes in IRS retirement plan contribution limits, arming yourself with knowledge that empowers your financial decisions.

Greg discusses how we are influenced by the realities of a tumultuous world. Discover how these events trigger short-term thinking among investors and learn from our experts as they guide you towards rational, level-headed decision-making.

Tune in now and equip yourself with the wisdom to navigate the financial landscape with confidence! 

Episode recorded 11/3/2023

WWM Financial is an SEC Registered Investment Advisor

wwmfinancial.com

(760) 692-5190

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.

People have been asking Steve if they should be worried about the stock market. For the last 2-3 months the markets have been down, bonds have been down and interest rates are up. In this episode Steve, Catherine and Rachel discuss what's causing this and should you panic. 

WWM Financial is an SEC Registered Investment Advisor

wwmfinancial.com

(760) 692-5190

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.

In this stock market update Steve breaks down what happened in May.

So, if you want to understand what’s going on in the economy, get better insight into the financial markets and separate the sound from the noise, so you can make good financial decisions, tune in now.

In this episode Steve covers: The national debt, the banking sector, the credit markets, fear and greed, several recession indicators, performance of the indices and artificial intelligence.

Thanks for tuning in!

https://wwmfinancial.com | 760.692.5190

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 in directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

In this stock market update Steve shares, his opinion regarding the Fed’s activity. He discusses inflation, performance of the markets, the regional bank issues, interest rates as well as the fear and greed index.

Recorded May 5, 2023

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.

In this stock market update. Steve discusses the regional bank crisis, its impact on the credit markets and how that may affect the economy.  He recaps the March performance of the major indices as well as the fear and greed index.

This video was recorded April 11, 2023

https://wwmfinancial.com | 760.692.5190 

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 lease remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

In this stock market update Steve discusses the new phase of the bear market, the fear and greed index, the financial markets, the happiness index and more.

https://wwmfinancial.com | 760.692.5190

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 lease remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.