Tax Efficient Strategies for Million-Dollar Portfolios: Roth Conversions, AI Investing & Stock Risk Management

About this episode

The episode discusses tax-efficient strategies for managing a million-dollar portfolio, including Roth conversions and stock risk management.

How do you make smart financial decisions after you've already built significant wealth? In this week's episode of Allworth's Money Matters, Scott and Pat help a retired couple with an $11 million portfolio evaluate Roth conversions, estate planning, charitable giving, and strategies to improve tax efficiency. Then they speak with a 52-year-old listener navigating uncertainty in the alcohol industry while balancing retirement savings, college expenses, and cash reserves. Should he use taxable assets to maximize his 401(k) contributions? Scott and Pat weigh in. The episode also features Allworth advisor Laurie Ingwersen, who explains how investors with concentrated stock positions can reduce risk while improving tax efficiency. Laurie shares a real-world case study of a client whose portfolio was 70% invested in a single stock and the strategies used to diversify, manage taxes, and preserve long-term wealth. What You’ll Learn: -Whether Roth conversions still make sense for high-net-worth retirees -How to improve tax efficiency through smarter asset location and portfolio design -When it makes sense to use taxable assets to maximize retirement savings -Strategies for reducing risk…

People in this episode

Hosts: Scott Hanson, Pat McClain

Guest: Laurie Ingwersen

Topics covered

• Roth conversions
• tax efficiency
• wealth management
• retirement planning
• stock risk management
• charitable giving

Keywords

• Roth conversions
• tax efficiency
• wealth preservation
• concentrated stock
• retirement savings
• charitable giving

Mentioned in this episode

Organizations: Allworth Financial

Places: United States

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