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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

41:03

Beyond Index Funds: Advanced Tax Strategies, Direct...

Money Matters by Allworth Financial ·

2026/04/25

This episode of Money Matters explores advanced tax strategies that go beyond traditional investing to help high earners and retirees maximize efficiency, reduce taxes, and create smarter, more tax-efficient income streams.With Pat out this week, Scott and Allworth advisor Mark Shone break down how strategies like direct indexing, long/short investing, and tax-loss harvesting can unlock new opportunities—especially for those with larger, more complex portfolios. Plus, Scott and Allworth’s Head of

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37:19

Concentrated Stock Positions: How to Avoid Big Taxes

Money Matters by Allworth Financial ·

2026/04/18

How do you manage a concentrated stock position without getting crushed by taxes? In this episode of Money Matters, Scott is joined by Allworth advisor Mark Shone, who steps in while Pat is away to break down smart, tax-efficient strategies for handling highly appreciated stock positions. They use a real-life case of a recent retiree with nearly $2 million in Apple stock to explore how to reduce risk, diversify, and balance income and legacy goals. Plus, they touch on private credit and real estate

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47:37

Can I Retire With $5 Million? Planning the Next Chapter

Money Matters by Allworth Financial ·

2026/04/11

For many investors, the big question is whether $5 million is enough to retire—and this real-life case study shows how to answer it. With Pat out this week, Scott is joined by Allworth advisor Mark Shone to walk through a $5–6 million household navigating retirement while raising kids, funding college, and managing a second marriage. Scott and Mark break down what really matters when asking if you can retire with $5 million—and how to make that decision with confidence.Plus, a physician with $6M+

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51:48

Tax Strategies for Larger Portfolios: Direct...

Money Matters by Allworth Financial ·

2026/04/04

In this episode of Money Matters, Scott and Pat react to a listener being pitched a complex direct indexing strategy using margin, while another wrestles with whether setting up trusts for their grandchildren is worth the hassle—breaking down what actually adds value and what doesn’t.They expand into tax strategies for larger portfolios, including when more sophisticated approaches create more cost and complexity than benefit. You’ll also hear practical guidance on estate planning, gifting, RMDs,

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53:07

Roth Conversion Strategy, Tax Planning and Wealth...

Money Matters by Allworth Financial ·

2026/03/28

In this episode of Money Matters, Scott and Pat take calls from high-income listeners facing real financial crossroads—from deciding whether to return to work to navigating major portfolio and tax decisions. Along the way, they break down when a Roth conversion strategy makes sense, how taxes impact big financial decisions, and why timing and sequencing can have a long-term effect on wealth.The conversation also covers portfolio risk, income needs, and how to approach leaving money to the next

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45:22

Smart Tax Strategies for High Net Worth Investors

Money Matters by Allworth Financial ·

2026/03/21

In this episode of Money Matters, Scott and Pat break down real-world tax strategies for high net worth investors dealing with multi-million dollar IRAs, brokerage accounts, and rising future tax liabilities. They walk through detailed listener cases—including a couple with over $18 million in assets trying to minimize RMD taxes, IRMAA surcharges, and legacy tax burdens—while sharing actionable tax strategies for high net worth investors.Here’s what you’ll learn: How to handle upcoming RMDs on

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42:52

Roth Conversion & Direct Indexing Strategies

Money Matters by Allworth Financial ·

2026/03/14

In this episode of Money Matters, Scott and Pat break down smart Roth conversion strategies for retirees who want to reduce lifetime taxes, manage future RMDs, and avoid costly bracket mistakes. A caller with $4+ million asks how much to convert each year — and whether moving IRA withdrawals into a brokerage account makes sense as part of a long-term Roth conversion plan.They also discuss direct indexing, including how it works, whether low-cost providers are safe, and when direct indexing makes

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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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536 results

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