Savvy Women Talk Money

What if the thing most investors own… is the thing they understand the least? In this Savvy Women Talk Money episode, Catherine and Rachel break down one of the most fundamental building blocks of investing: stocks—and why understanding them can completely change how you react to the market. Inside this episode: What a stock really represents (hint: it's ownership, not a ticker symbol) Why thinking like a business owner can transform your investing mindset The two ways stocks create wealth: growth and income What history shows about market corrections—and why panic often backfires The real reasons stocks move (and why headlines don't tell the full story) Common mistakes investors make—like emotional decisions and overconcentration How stocks fit into a larger, well-designed financial strategy The key takeaway? Price is not the same as value—and short-term movement doesn't equal long-term meaning. Because when you truly understand what you own, you make better, more confident decisions—no matter what the market is doing. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 4/02/26 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

Stock options can feel like a reward… until tax season tells a different story. In this episode of the Savvy Series, Catherine and Rachel break down what stock options and RSUs really mean for your financial life—and why so many high earners get caught off guard. From hidden tax traps to costly planning mistakes, this conversation uncovers what most people don't realize until it's too late. Inside this episode: The key differences between ISOs, NSOs, and RSUs—and why it matters How the Alternative Minimum Tax (AMT) can create "phantom income" Why employer withholding is often not enough (and what to do instead) The risk of paying taxes twice if your strategy isn't coordinated How concentration in company stock can quietly increase your risk Smart timing strategies for exercising options and managing tax brackets The big takeaway: equity compensation isn't just a bonus—it's a planning opportunity. And without the right strategy, it can turn into an expensive surprise. If your compensation includes stock, this is a must-listen before you make your next move. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 3/26/26 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

Tax season isn't just about filing — it's a window into your entire financial life. In this episode, Catherine and Rachel break down what your tax return is really telling you… and what most people completely miss. With the deadline fast approaching, they unpack why reviewing your return can reveal hidden planning gaps, costly surprises, and opportunities to get ahead this year — not just react to last year. Inside this episode: Why your tax return tells a deeper story about your income, investments, and habits The real reason high earners get hit with unexpected tax bills How underwithholding quietly creates major surprises Missed opportunities with retirement contributions and Roth strategies What investment income and 1099s could be costing you in taxes Simple moves to avoid penalties and stay ahead of the IRS Bottom line: filing your taxes isn't the finish line — it's the starting point for smarter planning. If you've ever wondered, "Why did this happen on my taxes?" — this episode connects the dots and shows you what to do next. Click on the following link to schedule a free consultation. https://savvyup.com/consultation Date Recorded: 3/19/26 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

That old 401(k) you've been meaning to deal with? It might be one of the most overlooked—and expensive—decisions you'll make. In this episode, Catherine and Rachel uncover what really happens when you leave a job and why a simple rollover isn't always so simple. Behind the scenes, there are tax traps, missed opportunities, and strategic windows that most people never see coming. They break down your three core options—but more importantly, reveal what smart planning looks like before you touch anything. From forgotten accounts and hidden Roth dollars to powerful strategies like NUA for company stock and timing Roth conversions in low-income years, this conversation is packed with insights that can change the trajectory of your wealth. And just when you think you've got it handled—enter Medicare surcharges, future RMDs, and tax ripple effects that can quietly erode your plan. This isn't about paperwork. It's about making one decision… the right way. If you've changed jobs—or will—don't make a move until you hear this. Click on the following link to schedule a free consultation. https://savvyup.com/consultation Date Recorded: 3/12/26 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

A job change can feel exciting, stressful, or sometimes unexpected—but financially, it's one of the biggest transition points people experience. In this Savvy Series conversation, Catherine and Rachel break down why the first 90 days after a job change matter far more than most people realize. A new role doesn't just mean a new paycheck. It can trigger shifts in taxes, benefits, risk exposure, and long-term financial planning. The question isn't simply "What's my new salary?"—it's whether your entire financial strategy still works with this new chapter. In this episode, the discussion walks through the critical steps to take during the first 30, 60, and 90 days after a job change. From understanding your true compensation package to resetting tax withholding, reviewing retirement plans, rebuilding emergency reserves, and revisiting estate documents, these early decisions can have lasting consequences. Whether the transition was planned or unexpected, the early months provide a powerful opportunity to reset and design your finances intentionally. Highlights from the episode: Why a job change is also a tax, benefit, and risk shift The key financial tasks to address in the first 30 days How compensation, vesting schedules, and benefits affect long-term planning Why the first 90 days can shape your financial trajectory for years If a career move is on the horizon—or just happened—this episode offers a practical roadmap to help you navigate it wisely. Date Recorded: 3/05/26 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

Money decisions are never purely logical—especially after loss. In this thoughtful episode, Catherine Magaña and Rachel Ivanovich explore the emotional side of financial decision-making after losing a spouse, and why even simple choices can suddenly feel overwhelming. They unpack something many widows experience but rarely hear explained: grief literally changes how the brain processes information, often creating brain fog, fear, and uncertainty about making the "right" financial choices. That's why patience—and the right support system—matters more than rushing into big decisions. In this conversation, you'll learn: Why major financial decisions should often wait 6–12 months after loss The hidden tax planning opportunities many widows overlook in the year a spouse passes Why confidence with money doesn't happen overnight—and how to rebuild it The importance of creating a trusted advisory team so you're not navigating everything alone How shifting from fear-based decisions to values-based planning can help shape the next chapter of life Plus, Catherine and Rachel share insights from their recent Her Financial Year workshop, where women explored money mindset, values, and even created financial vision boards for the future. Because even after life changes dramatically, clarity, confidence, and a meaningful financial future are still possible. Date Recorded: 2/26/26 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

Losing a spouse is emotional. Making financial decisions during that time? Even harder. In this important episode, Catherine and Rachel walk through what really happens to your income after loss — and the surprises many women don't see coming. From Social Security survivor benefits (and why you don't get to keep both checks) to pension elections that can dramatically impact long-term income, timing matters more than most realize. They also unpack the "widow's penalty" — how taxes can actually increase after a loss due to filing status changes, shrinking tax brackets, IRMAA Medicare surcharges, and required minimum distributions. You'll also learn: When survivor benefits can begin (and remarriage rules to watch) Why the first year after loss may offer unique tax planning opportunities How Roth conversions, capital gains harvesting, and step-up in basis strategies can help Key pension and life insurance considerations before and after loss This is a compassionate but practical conversation about protecting income, reducing taxes, and creating confidence during life's most difficult transition. Download the Widow Income Transition Checklist here: https://savvyup.com/wp-content/uploads/2026/02/widow_income_checklist.pdf A practical guide to help you think through income replacement, tax changes, and next steps with clarity. Date Recorded: 2/19/26 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

When it comes to IRAs, one wrong move can cost you tens—or even hundreds—of thousands of dollars. In this Savvy Series episode, Catherine and Rachel break down the confusing world of spousal vs. non-spousal inherited IRAs, the 10-year rule, RMDs, Roth considerations, and why rushing into a rollover could trigger unintended taxes and penalties If you're a widow, under age 59½, inheriting from a parent, or navigating multiple accounts "all over the place," this conversation is especially for you. The hosts share real client scenarios—from paperwork overload to missed rollover opportunities—and explain how grief, urgency, and bad advice can lead to costly mistakes. They also unpack: How the SECURE Act changed the stretch IRA Why big withdrawals can spike taxes, Medicare premiums (IRMAA), and even Social Security taxation When Roth conversions might make sense Smart legacy strategies involving charities and step-up in basis Bottom line? Don't rush. Pause. Plan. And understand your options before signing anything. Plus, learn about the upcoming "Her Financial Year" workshop in Carlsbad. Because getting savvy starts with slowing down. Date Recorded: 2/12/26 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

In this tender and deeply important episode, Catherine and Rachel walk through what really matters in the first 90 days after losing someone you love. When everything feels urgent, they gently remind listeners that very little actually is. They break down what needs attention right away—death certificates, cash flow, Social Security, pensions, life insurance—and what can (and should) wait. From avoiding impulsive decisions like selling a home or liquidating investments, to understanding the hidden tax traps around inherited IRAs and Roth accounts, this conversation is both practical and compassionate. You'll hear: Why grief impacts decision-making more than you realize The critical paperwork to prioritize in the first 30–60 days Costly inheritance mistakes to avoid under the SECURE Act Why large gifts, big purchases, and major investment changes should pause A simple month-by-month framework: stabilize, organize, clarify If you or someone you love is navigating loss, this episode offers calm guidance during a chaotic time. Download the "First 90 Days After Loss" checklist here: https://savvyup.com/wp-content/uploads/2026/02/first_90_days_checklist.pdf A thoughtful, steady conversation for when you need it most. Date Recorded: 02/05/26 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

What does real independence actually look like—and how do you protect it as life evolves? In this episode, Catherine Magaña and Rachel Ivanovich dive into the often-overlooked financial decisions that quietly shape your freedom, confidence, and control. From being "house-rich and cash-poor" to the risks of outdated estate documents, this conversation shines a light on the difference between wealth on paper and money you can truly access when it matters most. You'll hear real-life stories, thoughtful questions, and practical insights around: Liquidity and emergency access to cash Estate planning as an act of self-advocacy—not a morbid task Why beneficiaries, trustees, and powers of attorney need regular review Planning ahead for decision-making capacity and healthcare wishes This episode is a gentle but powerful reminder: independence isn't accidental—it's intentional. If you want to feel more prepared, more confident, and more in control of your financial future, this is a conversation worth hearing. 🎧 Tune in and get savvy about protecting what matters most! Date Recorded: 1/29/26 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

The start of a new year isn't about chasing the hottest investment or obsessing over last year's returns—and in this episode, that truth gets a spotlight. The conversation explores how wealthy women approach money with intention, strategy, and clarity, asking smarter questions like "Is my plan still aligned with the life I want?" rather than "Did I beat the market?" You'll hear why diversification, risk alignment, and tax efficiency matter more than reacting to headlines—and how emotional investing can quietly derail. The episode also dives into designing life first, then aligning money to support health, family, experiences, and legacy. From proactive planning and estate organization to treating financial strategy as preventative care, this is a refreshing reminder that confidence comes from having a plan—not perfect timing. If the year is already flying by and financial goals feel fuzzy, this episode offers clarity, calm, and a smarter way forward. It's thoughtful, practical, and empowering—perfect for women who want their money to support their values, not stress them out. Date Recorded: 1/22/26 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

Money conversations don't have to be awkward—but avoiding them can be expensive. In this Savvy Series episode of Savvy Women Talk Money, Catherine Magaña and Rachel Ivanovich dive into the financial conversations women tend to avoid—and why January is the perfect time to finally have them. From talking money with a spouse or partner, to navigating aging parents, adult children, and your own long-term security, this episode unpacks where discomfort comes from and how silence can quietly cost you opportunities, confidence, and peace of mind. The discussion blends practical insights with real-life examples, offering approachable ways to begin meaningful money conversations with calm and intention. You'll hear why curiosity beats conflict, how to set healthy financial boundaries with family, and why revisiting your plan early in the year can reduce anxiety and create clarity. If you're craving more confidence, better communication, and a stronger sense of control over your financial life, this episode is your nudge to stop avoiding—and start engaging. 🎧 One conversation this month can change everything. Date Recorded: 1-15-25 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

The start of a new year can feel loud—big resolutions, bold promises, endless to-do lists. In this Savvy Women episode, Catherine and Rachel turn down the noise and focus on what actually lasts: intentional goals, a meaningful word of the year, and the mindset behind every financial decision. You'll hear how revisiting core values can reshape goals that truly fit this season of life from family time and fitness to career growth and personal fulfillment. The conversation gets personal (and practical) as they share real examples: planning memory-making trips without breaking the budget, setting financial goals that support life—not just spreadsheets—and using a single word like calm or clear to guide daily choices. Most importantly, this episode dives into why mindset comes before money. How past experiences, scarcity thinking, and comparison can quietly sabotage progress and how shifting your perspective can create confidence, clarity, and freedom. If you're craving a calmer, more intentional start to the year—one where your money supports the life you actually want—this episode is your reset. 🎧✨ Date Recorded: 01/08/26 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

As the year comes to a close, this episode invites you to pause, reflect, and reset, without the pressure of resolutions. Instead, it's about recalibrating confidence around money and stepping into the next chapter with clarity and intention. In this conversation, Catherine and Rachel explore why so many accomplished, successful women still second-guess their financial decisions and how confidence with money is not a personality trait, but a skill that can be learned. They discuss the role education plays in building trust in your choices, why having a plan matters more than perfect timing, and how mindset—scarcity vs. abundance—shapes the way you show up financially. You'll also hear thoughtful insights on longevity, caregiving, career interruptions, market volatility, and why asking questions is a sign of strength, not weakness. Whether you're navigating change or simply want to feel more grounded in your financial life, this episode is a powerful reminder that wealth confidence comes from participation, not perfection. 🎧 Listen in for inspiration, reassurance, and a fresh perspective on designing a future that truly aligns with the life you want to live. Date Recorded: 12/23/25 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

As the year winds down, it's the perfect moment to pause, reflect, and ask a bigger question: Is your money actually supporting the life you want to live? In this Savvy Series episode, Catherine and Rachel dive into Life by Design. A thoughtful conversation about aligning wealth with what truly matters in the year ahead. From family and relationships to travel, career fulfillment, philanthropy, and legacy, this episode explores how intentional planning turns "someday" goals into real-life experiences. You'll hear practical ways to plan meaningful travel (without guilt), give generously with purpose (and smart tax strategies), and ensure your estate and legacy reflect your values before life forces those decisions. This isn't about adding more to your to-do list. It's about clarity. Putting the most important things on the calendar first. Designing a year and a life on purpose, not by default. If you've ever felt busy but misaligned, successful but stretched, or financially secure yet craving more meaning, this episode will resonate deeply. A must-listen for women ready to step into the new year with intention, confidence, and a bigger vision. Date Recorded: 12/18/25 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

What if the real problem isn't that your goals are too big, but that they're nowhere near big enough? In this energizing episode of the Savvy Series, Catherine Magaña and Rachel Ivanovich flip traditional goal-setting on its head and make a compelling case for dreaming at the scale of your wealth. From childhood conditioning to money guilt to the pressure to appear "practical," many affluent women unintentionally downsize their ambitions. Catherine and Rachel open up with relatable, funny, and eye-opening stories, from goals that didn't quite land to dreams that weren't written boldly enough, to shine a light on how easy it is to settle for "good enough" when our lives can support so much more. Their reflections remind us that dreaming bigger isn't about extravagance, it's about matching our vision to the freedom, resources, and opportunities we've worked hard to create. You'll learn why small goals create financial and personal plateaus, how wealth can buy back time (and freedom), and how to align bigger dreams with your core values and financial plan. Expect laughter, a few challenges, and plenty of aha moments about what "life by design" can actually look like. If you're ready to stretch your imagination, elevate your lifestyle goals, and make next year your most intentional one yet, this episode is your spark. Date Recorded: 12/04/25 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

Ever notice how the holidays can feel like a whirlwind of traditions, to-do lists, and spending triggers you didn't see coming? From nostalgic memories to modern-day gift exchanges, this episode unpacks the emotional (and financial) layers that show up the moment the lights go up and the calendars fill. Catherine and Rachel share heartfelt stories from childhood school "gift shops" to multigenerational tamale-making, and explore how these traditions shape the way we spend today. They break down why holiday budgets can spiral, how to avoid over-giving out of guilt, and simple ways to create meaning without overspending. You'll hear smart strategies for navigating gift exchanges, hosting responsibilities, family expectations, and the pressure to buy for everyone. Plus, ideas for new traditions that cost little but bring big connection: baking days, movie nights, storytelling, and shared experiences that matter more than what's under the tree. Whether this season feels joyful, overwhelming, or a bit of both, this episode offers perspective and practical tips to help you move through the holidays with intention and protect your financial peace. Ready to align your money with your mindset? Call us at 760-692-5700 to schedule a strategy session. Date Recorded: 11/18/25 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

The holidays are here, the calendar is shrinking, and your portfolio might need a little tender loving care before the clock strikes midnight. In this episode, Catherine and Rachel break down the smartest year-end moves to tighten up your finances now and set yourself up for a smoother, more strategic 2026. From rebalancing after a volatile (and surprisingly strong) market year to using tax-loss harvesting like a pro, they cover the must-do steps that can save taxes, boost efficiency, and keep your plan aligned with your goals. They also dive into the new 2026 tax landscape, inherited property surprises, wash-sale traps, charitable-giving opportunities, and whether a late-year Roth conversion still makes sense. You'll also hear practical reminders about retirement-plan limits, pay-stub checkups, non-cash donations, estate-plan updates, and the little-known pitfalls that can derail even the most organized investor. If you want to end the year confident instead of scrambling, this is your go-to guide. Pour a peppermint latte, grab your checklist, and tune in. Date Recorded: 11/13/25 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

The holidays are here and so is the frenzy of shopping, gatherings, and gift-giving. But what if this season could feel less frantic and more fulfilling? In this heartwarming and practical episode, Catherine Magaña and Rachel Ivanovich unpack how to celebrate intentionally, without overspending or overstretching yourself. From setting a "joy budget" to creating experiences that matter more than things, they share real-life stories (and a few laughs) about how to make the most of this season, financially and emotionally. You'll hear how Catherine balances her love for hosting and giving with mindful spending, and how Rachel swaps shopping lists for shared family adventures. Discover tips on aligning your holiday habits with your core values, pausing before purchases, and planning ahead for a smoother start to the new year. Because abundance isn't about excess, it's about joy, gratitude, and connection. 🎧 Tune in for thoughtful ideas to make this your most intentional holiday season yet, and a gentle reminder to "Savvy Up" before the year wraps up! Date Recorded: 11/06/25 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

The year's almost over, but your financial goals still have time to shine! 🎉 In this episode of the Savvy Series, Catherine Magaña and Rachel Ivanovich dive into the ultimate fourth-quarter money checkup to help you wrap up 2025 with confidence and clarity. Think of it as your "financial wellness exam." From maximizing retirement contributions to smart tax-loss harvesting, they share timely strategies to boost savings, reduce your tax bill, and set yourself up for success before December 31st hits. You'll also hear tips on donor-advised funds, qualified charitable distributions, and how to use appreciated stock for charitable giving, all while lowering your taxable income. Plus, the duo discusses beneficiary updates, estate plan reviews, and how to avoid costly end-of-year mistakes. And don't miss their exciting announcement about the upcoming Health, Wealth & Legacy event in Carlsbad, a powerhouse afternoon of wellness and financial insight designed just for women. 💡 Finish the year strong, stay savvy, and step into 2026 ready to thrive. Date Recorded: 10/23/25 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