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PODCAST

Money Matters by Allworth Financial

Allworth Financial

For 30 years, Money Matters hosts Scott Hanson and Pat McClain have answered thousands of questions from callers just like you. This is the perfect podcast for high-net-worth investors with questions like: -Should I do Roth conversions?-Are there tax strategies I should be using?-Do I have the proper estate plan?-Is my portfolio allocation diverse enough?-Will I retire on time?Take Money Matters with you each week. Download the show wherever you get your podcasts.

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All Episodes

51:40

Smart Tax Diversification & Roth Conversions

Money Matters by Allworth Financial ·

2026/03/07

In this episode of Money Matters, Scott and Pat unpack why tax diversification is one of the most overlooked strategies in retirement planning. From a 70-year-old investor with $3.6 million mostly in traditional IRAs to a 55-year-old looking to retire early and start Roth conversions, they explore how tax diversification can help reduce lifetime taxes and create flexibility in retirement income.You’ll hear discussions about: -When Roth conversions make sense — and which tax bracket to target -How

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54:48

Roth vs. 401(k), HSA Withdrawal Strategy & Pension...

Money Matters by Allworth Financial ·

2026/02/28

In this episode of Money Matters, Scott and Pat walk through smart decisions around Roth vs. pre-tax savings, pension lump sums, and when it actually makes sense to use your HSA. They help a high-earning family think through life insurance gaps and special needs planning, guide a soon-to-be retiree through a $1 million pension decision, and revisit a multi-million-dollar couple debating whether to spend or preserve a large HSA. From tax diversification to retirement income strategy to how certain

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53:41

Big Financial Decisions: Pensions, Tax Strategy and...

Money Matters by Allworth Financial ·

2026/02/21

Taxes can quietly shape some of the biggest financial decisions you’ll ever make — from choosing how to take a pension to deciding how to leave money to your heirs. On this week’s Money Matters, Scott and Pat take calls from listeners working through those exact issues. One caller is weighing a pension lump sum against monthly payments, and the tax consequences of that decision become central to the conversation. The guys also discuss how asset location affects tax efficiency, why different accounts

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50:11

A Common Tax Mistake Wealthy Investors Overlook

Money Matters by Allworth Financial ·

2026/02/14

In this episode of Money Matters, Scott and Pat take calls from high-net-worth listeners who uncover the same wealthy tax mistake, despite very different financial situations. From retirees with most of their money in IRAs to investors weighing Roth conversions and income strategies, the conversations show how easy it is to pay more in taxes than expected. They explain how this wealthy tax mistake often comes from tax-deferred concentration, why paying taxes from retirement accounts can shrink cash

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44:30

When Roth Conversions Make Sense—and When They Don’t...

Money Matters by Allworth Financial ·

2026/02/07

In this episode of Money Matters, Scott and Pat answer listener questions and explain when Roth conversions make sense, when they don’t, and how taxes, IRMAA Medicare surcharges, and market volatility can change retirement outcomes. They discuss strategic gifting to adult children, helping fund Roth IRAs, 401(k)s, and HSAs without killing motivation, and walk through a real call from a retired teacher debating whether converting his accounts is worth it. Along the way, Scott and Pat break down the

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48:43

401(k) Roth Rule Change + Balancing Pensions and Roth...

Money Matters by Allworth Financial ·

2026/01/31

In this episode of Money Matters, Scott and Pat break down a big shift for higher earners: the new 401(k) Roth rule that changes how catch-up contributions work. If you’re over 50 and earning a solid income, this could seriously affect your retirement plan.They also cover smarter tax strategies and take listener calls. A recent retiree wonders if buying a rental property makes sense. Then, Scott and Pat help a man from Virginia with a textbook example of how to balance pensions, Roth IRAs, and tax

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55:44

Roth Conversions, Annuities, and Smart Tax Moves for...

Money Matters by Allworth Financial ·

2026/01/24

In this episode of Money Matters, Scott and Pat talk to two millionaires at different financial stages — one caller with $8 million asking about Roth conversions and tax strategy, and another navigating retirement planning with a $1.4 million portfolio. Scott and Pat break down how Roth conversions can optimize long-term savings, where annuities fit into today’s market, and how both investors are managing wealth amid rising volatility. If you're exploring Roth conversions or simply looking to

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53:09

Money Strategy, Roth Questions, Tax Brackets, and...

Money Matters by Allworth Financial ·

2026/01/17

In this episode of Money Matters, Scott and Pat talk with listeners about decisions around Roth conversions, tax brackets, gifting to kids, and when to start taking money from retirement accounts. One caller is trying to figure out how to simplify things after working with five different advisors. Another wants to use savings to travel without getting pushed into a higher tax bracket. Plus, Allworth’s Head of Wealth Planning, Victoria Bogner, joins the show to share a case where someone had 35

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56:52

$8 Million Decisions & Mom’s Nest Egg: Real Talk for...

Money Matters by Allworth Financial ·

2026/01/10

In this episode of Money Matters, Scott and Pat dive into real-world financial decisions faced by high-net-worth families. One caller seeks guidance on managing his 87-year-old mother’s $1 million nest egg, while another—with $8 million saved—is questioning whether a QLAC is necessary.The $8 million decision opens the door to meaningful conversations around trust planning, emotional risk tolerance, and why simplicity often beats complexity—especially when family is involved. You’ll also hear

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41:32

Roth IRA or 401(k)? Smart Moves for Investors with...

Money Matters by Allworth Financial ·

2026/01/03

In this episode of Money Matters, Scott and Pat tackle real-world financial planning questions from callers at very different life stages. One listener, with over a million dollars in assets, asks whether he should prioritize his 401(k) or a Roth IRA. The conversation dives into smart strategies for high-net-worth investors, addressing how to balance tax efficiency, retirement goals, and current lifestyle needs.Scott and Pat also explain how financial planning helps clarify trade-offs between

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39:40

Tax-Savvy Income Strategies, Stock Gains Without...

Money Matters by Allworth Financial ·

2025/12/27

In this episode of Money Matters, Scott and Pat tackle real-world financial planning questions that could save you thousands. They cover key tax-savvy income strategies, help a caller decide whether to cash out a $350K whole life insurance policy, and clarify the confusing tax rules on after-tax IRA contributions.You’ll also hear how one investor turned a concentrated stock position into $90K in annual income—without selling a single share. This smart use of covered calls shows how modern income

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51:17

Roth IRA Strategy, High-Net-Worth Moves, and Building...

Money Matters by Allworth Financial ·

2025/12/20

What would you do with over $6 million? In this episode of Allworth’s Money Matters, Scott and Pat take a call from a couple in their early 60s with a net worth exceeding $6 million. The big question: should they use funds from their Roth IRA or brokerage account to cover a major expense? The conversation explores smart strategies for managing cash flow, deciding which accounts to draw from (Roth IRA vs. taxable), and why proactive tax planning is critical.Plus, the guys break down the concept of

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46:25

Making the Most of Roth Conversions, Donor-Advised...

Money Matters by Allworth Financial ·

2025/12/13

In this episode of Money Matters, Scott and Pat explore three of the most underappreciated but powerful financial planning tools: Roth conversions, donor-advised funds, and bond funds. They break down when and how to use each of them—especially before year-end—to reduce taxes, improve portfolio efficiency, and boost long-term flexibility.You’ll hear real stories from listeners making million-dollar decisions, like whether to hire a financial advisor, how to prepare your spouse to take over

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60:08

Financial Planning Strategies for Freedom,...

Money Matters by Allworth Financial ·

2025/12/06

On this week’s Money Matters, Scott and Pat help a caller streamline her financial life by consolidating accounts — discussing key differences between IRAs and 401(k)s, asset protection considerations, and how annuities can fit into a broader financial planning strategy for long-term freedom.Next, they talk with a caller navigating what to do with a $1 million 401(k) after a career transition. Scott and Pat break down the pros and cons of rolling funds into an IRA versus keeping them in an employer

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41:13

Selling Smart, Building Wealth: Business Exit...

Money Matters by Allworth Financial ·

2025/11/29

In this packed episode of Money Matters, Scott and Pat talk with Simone Devenny, Allworth’s Head of Private Wealth Strategies, about smart planning before selling a business—covering tax-saving strategies, timing, emotional readiness, and more. Then, a caller shares how he sold his startup for $1.2 million, while another longtime educator seeks guidance on managing a $317,000 lump sum. Whether you're prepping for a sale or figuring out your next big financial step, this episode is full of practical

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66:23

High-Net-Worth Playbook: Portfolio Rebalancing,...

Money Matters by Allworth Financial ·

2025/11/22

In this value-packed episode of Allworth’s Money Matters, Scott and Pat unpack key financial strategies for high-net-worth investors navigating today’s markets. From the overlooked need for regular portfolio rebalancing to smart planning for concentrated executive stock, they break down real-world scenarios with millions at stake.You'll hear a listener case involving $7M in assets, HSA withdrawal tactics, and 529 planning for seven grandkids—all through the lens of tax-smart wealth transfer. Plus,

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41:43

Managing Millions: Helping Your Kids Financially and...

Money Matters by Allworth Financial ·

2025/11/15

On this week’s Money Matters, Scott and Pat take a call from a listener sitting on a $9 million nest egg—$4.5 million in a taxable account, $3 million in Roth, and $1.6 million in a traditional IRA. He doesn’t need more growth, he’s not worried about his own retirement, and now he’s asking: Should we start helping the kids financially now, or wait? The twist? His kids don’t want the money—and he doesn’t want to mess up their independence. It’s a real-world conversation about smart gifting, capital

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56:32

The Magnificent Seven’s Market Risk, Early Retirement...

Money Matters by Allworth Financial ·

2025/11/08

On this week’s Money Matters, Scott and Pat open the show with a look at the Magnificent Seven stocks. Is this tech dominance a warning sign or just the new market normal? They unpack what this concentration means for index investors and why historical perspective matters.Next, they take a call from a 56-year-old tech professional navigating a surprise layoff and considering early retirement. With over $2M in assets and plans to relocate, they walk through whether he can afford to stop working—or

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45:07

Self-Insuring for Long-Term Care, Rebalancing...

Money Matters by Allworth Financial ·

2025/11/01

On this week’s Money Matters, Scott and Pat tackle three critical financial planning decisions for high-net-worth investors. First, they break down whether it’s better to self-insure for long-term care or rely on costly, often restrictive hybrid policies. Next, they explain how to rebalance an inherited portfolio, especially when legacy holdings no longer align with your goals or risk tolerance. Then, they dive into how to finance a vacation home wisely—weighing the risks of portfolio loans, capital

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52:40

AI Boom or Bubble, Estate Planning Trouble, and the...

Money Matters by Allworth Financial ·

2025/10/25

On this week’s Money Matters, Scott and Pat ask the trillion-dollar question: Is AI investing the next dot-com bubble or a real economic shift? They revisit the 1999 tech mania to help make sense of today’s AI investing hype—and how to avoid repeating history.They also tackle real-world questions around estate planning, including managing finances for a 97-year-old parent, family trust tensions, and how to avoid costly mistakes. Plus, the truth behind those “safe” 6% return promises—and what they

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