Money Matters by Allworth Financial

How do you turn a lifetime of saving into reliable, tax-smart retirement income? In this episode of Money Matters, Scott and Pat break down what investors with $1M+ need to know when transitioning from building wealth to generating income in today’s market. In this episode, Scott and Pat tackle real listener situations: -Caller Case Study 1: Retiring with a 401(k), a solid pension, and a paid-off home—how do you stress-test your plan against inflation and potential Social Security shifts? -Caller Case Study 2: Buying a second home in Texas while keeping California property—which accounts (cash, taxable gains, Roth, or traditional IRA) should you tap first to avoid costly tax traps? Plus, macro insights & portfolio strategy: -Stocks vs. Bonds: Why equity markets and bond yields are sending conflicting signals, and what record highs mean for your rebalancing plan. -The Psychology of Selling Winners: Why trimming top-performing assets is the hardest—and most critical—discipline for wealth preservation. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at [email protected]. Download and rate our podcast here.

Is it possible to do a Roth conversion too early? In this episode of Money Matters, Scott and Pat break down why the timing of your tax planning matters just as much as the strategy itself. They answer real listener questions on navigating the retirement transition—from managing adjusted gross income, to understanding how a great financial advisor provides value beyond just managing a portfolio. Plus, Allworth Chief Investment Officer Andy Stout joins to discuss the 10-year Treasury yield hitting 5%, putting rising interest rates and government debt into historical perspective. In this episode, Scott and Pat discuss: Roth Conversion Timing: Why converting too early could unintentionally spike your healthcare premiums under the Affordable Care Act. The Value of Wealth Planning: What you should expect from an advisor beyond investment management, and how to evaluate fee structures. 5% on the 10-Year Treasury: Allworth Chief Investment Officer Andy Stout breaks down inflation expectations, Federal Reserve rate moves, and market volatility. National Debt & Entitlements: Putting modern government spending and Social Security concerns into long-term context. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at [email protected]. Download and rate our podcast here.

Are your retirement assumptions realistic, or is your financial plan relying on best-case scenarios? In this episode of Money Matters, Scott and Pat dive into the practical realities of long-term planning—from preparing for market volatility to navigating complex estate and tax rules. Plus, Scott and Pat answer caller questions on managing a multi-million-dollar portfolio, strategic gifting, and what it really takes to achieve financial independence in your 40s. In this episode, we cover: Stress-Testing Your Portfolio: Why planning for bear markets matters, how to avoid overly optimistic return assumptions, and why keeping 5–7 years of income in cash or fixed income can protect your lifestyle. A $6M Estate & RMD Strategy: Navigating PCRA/401(k) rules while still earning income, managing high tax brackets, and balancing lifetime gifting vs. traditional inheritance. 529 Plans & SECURE 2.0: Key considerations when redirecting college savings and exploring Roth rollover rules. The Realities of FIRE & Coast FI: Breaking down the 4% rule (25x expenses), balancing early retirement with long-term fulfillment, and understanding the "Four Freedoms." Protecting Your Family: Why life insurance is essential for young families on the path to financial independence. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at [email protected]. Download and rate our podcast here.