Savvy Women Talk Money

Retirement is supposed to be the season of life when you finally have the time and freedom to enjoy the experiences you've been putting off for years. But how do you make travel a meaningful part of retirement without jeopardizing your financial future? In this episode, Catherine Magaña and Rachel Ivanovich explore why so many retirees struggle to balance their desire for adventure with concerns about spending, market volatility, and making their money last. They discuss how intentional planning can help transform travel from an occasional expense into a purposeful part of a well-designed retirement. You'll discover: Why the early years of retirement may be your most valuable travel years How to build travel into your retirement plan instead of treating it as an afterthought Ways to align travel goals with your retirement income strategy How to navigate market downturns without letting fear derail your plans Why meaningful experiences often create more lasting value than possessions If you've ever wondered whether now is the right time to take the trip, visit family more often, or finally check off a bucket-list destination, this conversation will help you think differently about retirement, travel, and making the most of the years that matter most. ✈️🌎 Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 6/09/26 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

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

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

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