How do bonds actually generate income—and are they as "safe" as you think?

In this episode of Savvy Women, Catherine and Rachel go back to basics to break down one of the most commonly owned—but least understood—investments: bonds. They explain how bonds really work, why they're often considered the "stable" part of a portfolio, and how they generate income through interest payments.

But here's the key: bonds aren't as simple—or as "safe"—as many people assume. Interest rates, risk, and timing all play a role in how they perform.

Here's what you'll learn:

• What a bond is—and how you act as the lender

• How bonds create income through interest payments

• The key risks investors often overlook

• How bonds fit into a long-term investment strategy

The takeaway: Bonds aren't just about stability—they're a powerful tool for generating income when used with intention.

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 4/09/26

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

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