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