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Description:

For more than 20 years, Money Matters, Scott Hanson and Pat McClain’s weekly call-in talk radio program, has fielded thousands of questions from callers just like you.

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Podcast Episode's:
The psychological aspect of retirement, when Roth conversions make sense, and questions about pensions, risk tolerance, and life insurance.
<p>On this week’s Money Matters, Scott and Pat talk with an executive coach who helps people navigate the parts of retirement that don’t involve money. A 54-year old who is about to retire finds out why she is the perfect candidate to do Roth conversions. A Colorado school teacher asks whether she should look at her pension as part of the fixed income portion of her portfolio. Finally, a caller wants to know whether she needs permanent life insurance.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A stock market milestone, meme stock mania, navigating the financial impact of a divorce, and the advice Scott and Pat gave that wound up in Italy.
<p>On this week’s Money Matters, Scott and Pat explain why sitting on the sidelines instead of in the stock market can be so detrimental to your retirement, especially now. They also discuss the return of meme-stock mania. An Ohio woman who is less than ten years from retirement asks where to park $50,000. A Michigan retiree who just got divorced needs help steering his financial ship. Finally, Scott and Pat revisit a caller who would rather live in Italy than use his father’s help to buy a home.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A crackdown on salespeople posing as advisors, a widow who needs an income strategy, plus questions about a reverse mortgage, an RMD, and Social Security.
<p>On this week’s Money Matters, Scott and Pat weigh the pros and cons of the Labor Department’s looming crackdown on so-called advisors who sell financial products. A Utah man seeks guidance on how to help his widowed mother navigate her financial life. A California caller wants to know whether it makes sense to take out a reverse mortgage. A retiree with a surplus of money asks for help with an RMD strategy. Finally, a 63-year old wonders whether he should take Social Security early.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Tricky economic times, a financial safeguard many must have, plus advice on risky investment funds, annuities, and taxes tied to inheritances.
<p>On this week’s Money Matters, Scott and Pat discuss complicated financial conditions unfolding in the U.S. and around the world. An Ohio father with a question about saving is told to get off the phone and do something else for his family immediately. A 63-year old who is still working asks when the best time to retire will be. Later in the show, Scott and Pat take a deep dive into Cathie Wood’s ARK funds, tackle a caller’s question about annuities, and provide peace of mind for a grandson about to inherit a large chunk of change.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A condo investment question, a younger father dreaming of an early retirement, and when you might own too much company stock.
<p>On this week’s Money Matters, Scott and Pat help a woman decide whether it’s a good idea to sell her rental property. A father of two with a third on the way nearly leaves Scott and Pat speechless when he breaks down his financial situation. A caller with millions invested in her aerospace company’s stock wonders whether she holds too much of it. Finally, Scott and Pat discuss the connection between volatile leaders and company stock prices.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A teen with a large inheritance, a heart transplant recipient who wants financial success, and how a qualified advisor keeps you calm when the waters are rough.
<p>On this week’s Money Matters, Scott and Pat help a 19-year old decide where to park $400,000 a distant relative passed down to him. It leads to a discussion about the importance of holding family meetings. A Wisconsin caller who received a new heart four years ago asks for help maximizing his family’s savings. Allworth advisor Andy Shafer joins the show to explain how he  helps clients when panic sets in. Finally, a Colorado man asks Scott and Pat whether they are worried about current price-to-earnings ratios.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why some investors should ignore economic data, a $700,000 inheritance question, and a warning about advisors who act as fiduciaries only some of the time.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing the current state of the economy with Allworth Chief Investment Officer Andy Stout, and then explain why some should pay little attention to the data. A caller with an 80/20 stock to bond allocation wonders whether he should tweak the bond portion of his portfolio. A Colorado man asks for guidance on how to handle a six-figure inheritance. Finally, Scott and Pat reveal how you can spot a financial advisor who doesn’t act as a fiduciary 100% of the time.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The new pump and dump scheme, where to invest in 2024, and questions about a portfolio allocation, an estate plan, and income streams.
<p>On this week’s Money Matters, Scott and Pat discuss the latest technique fraudsters are using to trick investors. A retired teacher finds out why she should add some risk to her portfolio. A California caller wants to know whether he is in good shape to retire next year. A mother of two asks for guidance on how to ensure her wishes will be carried out once she passes. Finally, Scott and Pat advise a couple who has yet to dip into multiple income sources.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The balance between living for the present and saving for the future, the tax implications of retirement contributions, why home loans can make sense for good savers, and a talk about tithing.
<p>On this week’s Money Matters, Scott and Pat explain the financial impact of embracing not just the journey, but the destination. A Virginia caller who is five years from retirement asks for help understanding how his contributions impact his taxes. A California man wants to know whether he should take out a loan so he can build a home. Finally, a Pennsylvania caller wonders whether she should tithe from her Social Security income.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Financial advisors under the microscope, plus questions about Social Security, a portfolio allocation, wash sales, and bond funds.
<p>On this week’s Money Matters, Scott and Pat explain where you can go to find out whether a financial advisor is legit. A caller with three adopted grandchildren asks whether his wife’s Social Security benefit can replace death benefits the grandchildren are currently receiving. A retiree from Texas wants to know whether his portfolio has too much cash in it. Finally, Scott and Pat explain the advantages of wash sales, and help a caller decide whether to invest in bond funds.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The Wall of Worry, investor cynicism, market timing and Roth conversions, plus tax advice for people with multiple qualified plans.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing the infamous Wall of Worry, before discussing market resilience in the face of chaotic world events. They then take a call from a Sacramento man who has a complex investment situation, including a need for Roth conversions, followed by a conversation with a retired couple that is travelling throughout the South and who needs tax advice about their multiple qualified plans.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Social Security and legislative risk, the importance of tax diversification, where to invest extra income, and a conflict of interest solved.
<p>On this week’s Money Matters, Scott and Pat start the show by explaining how proper financial planning can overcome legislative risk to a portfolio. A Philadelphia man with a tax issue hears a solution he never thought of. Scott and Pat revisit a caller who needed to have a tough conversation with his father-in-law. Finally, advice for an Arizona man who wants to know whether he is on the right path to retirement.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The AI stock boom examined, the assets to grab during a divorce, and a Roth conversion issue with an elephant in the room.
<p>On this week’s Money Matters, Scott and Pat discuss whether the current mania over the “Magnificent Seven” stocks could lead to a dangerous bubble. A stay-at-home mom with a divorce on the horizon asks where she should invest her dollars. A retiree from New York wants to know whether it makes sense to sell her home and rent. Finally, Scott and Pat discover a big picture problem when a caller asks for advice about a Roth conversion.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com.Duee'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A lesson on portfolio diversification, clearing up confusion about IRA tax rules, and how proper financial planning can lead to golden opportunities.
<p>On this week’s Money Matters, Scott and Pat start the show by tying the commercial real estate crisis to the importance of diversification. Then they help a caller who says she is getting mixed messages on how to handle two inherited IRAs. A world traveler asks how to break the news to his father that he wants to invest in indexes instead of real estate. Finally, Allworth’s Brian James joins the podcast with real world examples of hidden opportunities that proper financial planning presents.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A Bitcoin breakdown, how to find your retirement number, and where to put $1 million in inherited assets.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing the risk of speculating in Bitcoin. A California caller asks for help determining the amount of money he needs to retire. A Virginia woman wants to know whether she should do what’s known as an in-plan Roth conversion. Finally, Scott and Pat advise a caller from Tennessee who is spooked by a $1 million inheritance.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A 401(k) transfer question, a long-term care concern, and the call that made Scott and Pat say “uh-oh!”
<p>On this week’s Money Matters, Scott and Pat help a woman decide whether to move an old 401(k) into an IRA. A California man asks whether he should contribute money to an insurance product he says his father-in-law is selling him. A caller needs guidance on how to pay for her mother’s long-term care. Finally, Scott and Pat weigh in on where a grandmother should park money earmarked for one of her grandchildren.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The current state of the economy, a defined contribution plan question, the beauty of a solo 401(k), and when taking Social Security isn’t so simple.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing current economic news with Allworth Chief Investment Officer Andy Stout.  A California caller asks whether he should put money into a defined contribution plan and then roll the funds over to a Roth account.  You’ll hear why Scott and Pat think a Colorado woman should open a solo 401(k). Finally, they explain a time when taking Social Security isn’t so simple.</p> <p>  </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Allworth's Money Matters Podcast Trailer
<p>Money Matters, a weekly call-in talk radio program and podcast, is one of the longest running financial talk radio shows in the country. In their over 25 years on the air, Scott Hanson and Pat McClain have answered questions from thousands of callers on a variety of financial topics.</p>
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A Roth account question, guidance on a portfolio allocation, and where to invest $800,000.
<p>On this week’s Money Matters, Scott and Pat help a caller decide whether to contribute money to a Roth account. A man who will retire next month asks whether his portfolio is allocated properly. An Oregon woman diagnosed with stage 4 cancer wants to know where to invest $800,000 she says she received from a medical malpractice settlement. Finally, Scott and Pat advise a Minnesota doctor who has an extra $85,000 to invest each year.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Bitcoin ETFs, a risk tolerance dilemma, a mortgage payoff question, and a 529 contribution strategy.
<p>On this week’s Money Matters, Scott and Pat discuss whether investing in Bitcoin ETFs is safe. A Washington state woman asks for help aligning her risk tolerance with her husband’s. A Maryland caller wants to know whether she should pay off the mortgage on her second home. Finally, an Indiana father seeks guidance on how best to contribute to a 529 plan.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The financial benefits of delayed gratification, concerns about a trust, a 401(k) roadblock, and a portfolio problem solved.
<p>On this week’s Money Matters, Scott and Pat provide honest advice for those choosing to spend now instead of saving for later. A Florida man who is the beneficiary of a trust asks for help navigating his complicated situation. A 57-year old caller wants to know why his employer won’t allow him to take a 401(k) distribution. Finally, Allworth advisor Brian Murphy joins the show to explain how he cleaned up a portfolio that was riddled with fee and commission payments.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A family financial review, a donor-advised fund question, advice on a stock transfer, and assistance on an annuity.
<p>On this week’s Money Matters, Scott and Pat explain why now is a good time for parents to do a financial analysis with adult children. A California man looks for guidance on a donor-advised fund. On Oregon caller with a high net worth asks whether he can minimize taxes on a stock transfer he wants to make to his brother. Finally, a Georgia man with an annuity wants to know why Scott and Pat are so critical of how financial products are sold.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Scott and Pat tackle questions about college costs, financial gifts, and estate planning.
<p>On this week’s Money Matters, Scott and Pat start the show by helping a father decide whether he should self-fund his daughter’s college costs. Then, they help a caller figure out how to value the amount of a financial gift he won’t give for another five years. Plus, Scott and Pat make a house call to a California woman to see whether she took their advice. Finally, they hear from a caller who had an estate planning conundrum.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Bridging the gap between having wealth and feeling free, where to invest an inheritance, and questions about Social Security and Roth conversions.
<p>On this week’s Money Matters, Scott and Pat explain why having all the money in the world may not lessen your worry about it. A Pennsylvania teacher who just retired wants to know where she should invest inherited money. An Arizona caller asks whether she can claim her late ex-husband’s Social Security. Finally, a woman who called in the day after retiring finds out when she should do Roth conversions.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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2024 financial resolutions, worries about a Roth conversion, and when cashing out an annuity makes sense.
<p>On this week’s Money Matters, Scott and Pat explain the benefit of investing in index funds. Allworth advisor Mark Shone joins the show to discuss specific money resolutions to make for the new year. A 71-year-old retiree asks whether his recent Roth conversion was a bad decision. A caller married for ten years wants to know whether he should finally combine finances with his wife. Finally, you’ll hear why Scott and Pat think a California caller should cash out her annuity.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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After-tax 401(k) contributions, year-end tax tips, guidance on annuities, and more.
<p>On this week’s Money Matters, Scott and Pat discuss why the struggle is real for some younger investors. A 49-year-old California man wants to know whether he should make an after-tax contribution to his 401(k). The director of Allworth’s tax division breaks down strategic moves to make before the end of the year. Finally, a caller who just retired asks whether he should move some of his money into an annuity.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The red-hot stock market, why cash isn’t the long-term answer, and your retirement planning questions answered.
<p>On this week’s Money Matters, Scott and Pat discuss why the markets are on fire right now. They help a Phoenix man work through a great financial planning technique. A North Carolina caller asks for guidance on a savings goal. An Ohio woman wants to know whether she should buy an annuity. Then, Scott and Pat have a candid conversation about what retirement means to them. Finally, they explain why cash is not a long-term solution for investors.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The strange things people do with inherited money, questions about a pension and long-term care, and the danger of investment products.
<p>On this week’s Money Matters, Scott and Pat explain why receiving a financial windfall can make you more of who you already are. A 58-year-old single caller asks for help with a pension buyout decision. A Missouri man wants to know whether he can afford to self-insure his long-term care. Plus, Allworth advisor Steve Hruby joins the show, to discuss the danger of investment products.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Two times when it might make sense to tweak your portfolio, plus questions about a reverse mortgage, Social Security, and Roth conversions.
<p>On this week’s Money Matters, Scott and Pat explain the instances when changing an investment portfolio could be the right thing to do. They revisit a caller who asked back in May whether he should do a reverse mortgage.  A 57-year-old woman who loves being retired wonders whether she should take Social Security at age 62 to help her pay for health insurance. Finally, hear why Scott and Pat believe a great planning opportunity is in store for a woman who called with a question about a Roth conversion.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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How investors should react to the current state of the economy, a question about a reverse mortgage, and when renting out a home beats selling it.
<p>On this week’s Money Matters, Scott and Pat talk with Allworth Chief Investment Officer Andy Stout about the economic factors driving stock market activity. A caller from Georgia with two houses on 14 acres of land asks whether he should consider a reverse mortgage. Plus, is it better to sell a house or rent it out? A Pennsylvania father with dreams of living in a larger home wants to know.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The four components of a happy retirement, when renting out a home beats selling it, and the nuances and importance of Roth conversions.
<p>On this week’s Money Matters, Scott and Pat discuss the specific factors that spawn satisfaction and joy in retirement. An Ohioan who is getting married asks whether she’s better off renting out her home instead of selling it. Allworth regional director Brian James comes on the show to discuss one of the most misunderstood parts of an IRA. Finally, a caller whose wife is going blind wants to know when they should take a state pension.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The qualities of a financial advisor who cares about you, the pros and cons of a HELOC, a property tax query, and more.
<p>On this week’s Money Matters, Scott and Pat reveal the qualities of a wealth manager who cares about you, and one who doesn’t. A caller from Massachusetts asks whether he should take out a HELOC to pay for an investment property.  A California man building a forever home wants to know about property tax implications. Finally, a Texas caller living in an RV needs financial guidance so she can improve the quality of her life.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why crypto was a recipe for disaster, where to invest cash when you have too much, the power of financial planning when the unexpected happens, and more.
<p>On this week’s Money Matters, Scott and Pat explain how they knew years ago that the crypto craze would turn chaotic. A California man asks whether his mother should roll over her annuity into an IRA. A caller from New Jersey needs help deciding whether to pay off one of her mortgages. Plus, Allworth advisor Lauren Williams joins the show to highlight the power of financial planning when life takes unexpected turns. Finally, a Nevada mother with too much cash asks where to invest it.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why the fundamentals of investing are critical right now, a question about an old 401(k), a retirement account dilemma, and more.
<p>War in the Middle East. Turmoil in Congress. On this week’s Money Matters, Scott and Pat explain why the key for investors right now is calm. Then, they help a Colorado woman who is concerned about the future of the value of the dollar. A caller who just turned 65 wants guidance with his employer-owned retirement account.  Finally, an Indiana woman asks where she should invest her old 401(k) dollars.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why investors need a sounding board, plus questions about life insurance, bond accounts, and Roth conversions.
<p>On this week’s Money Matters, Scott and Pat discuss one of the most important qualities of a trusted financial advisor. A caller from Colorado asks where she should put money left over from her budget. A man who started listening to the show when he was 19-years-old wants to know whether he should buy whole life insurance. Finally, Scott and Pat educate a California caller on why and when one should do Roth conversions.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Lessons on long-term care, bonds, retirement income, home sale proceeds, and more.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing economic headwinds facing Wall Street right now. You’ll hear why they think a California man should continue paying the premiums on his long-term care policy even though he can self-insure. A Florida retiree calls in to ask whether he should buy individual bonds. Then, Scott and Pat tackle questions about retirement income and proceeds from the sale of a house.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A deluge of empty buildings, where to invest home sale proceeds, and the importance of embracing your future self.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing the worries in the commercial real estate market. Then, a woman who plans to sell her apricot orchard wants to know how much money she needs to buy a new home in a different state. A Virginia caller asks where he should invest the proceeds from the upcoming sale of his mother’s house. Finally, behavioral decision-making expert Hal Hershfield joins the show to explain why getting to know your future self right now will pay dividends later.</p> <p>  </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Where the key to financial independence lies, plus questions about life insurance, long-term care policies, a Roth 403(b), and state taxes.
<p>On this week’s Money Matters, Scott and Pat start the show by explaining why the key to financial independence is less about your money and more about you. A Las Vegas man in his 40’s wants to know whether he is on the right track toward retirement. You’ll hear why Scott and Pat want a California caller to invest her money in a traditional retirement account instead of a Roth. Finally, why moving for tax reasons isn’t as simple as it looks.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A Roth conversion question, where to invest CD proceeds, and cleaning up an unorganized financial mess.
<p>On this week’s Money Matters, Scott and Pat start the show by discussing drama in the crypto world. A Montana woman who retired last year asks for advice on a Roth conversion strategy. You’ll hear why Scott and Pat tell a caller with six CDs to rebuild his portfolio once those investments come due. Then, Allworth advisor Blake Davelaar joins the show to explain how he was able to clean up a couple’s portfolio that consisted of ten accounts held at five different financial institutions. Finally, Scott and Pat help a woman looking for a new financial advisor.</p> <p>  </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why retirees return to work, the current state of the economy, and a mortgage payment puzzle.
<p>On this week’s Money Matters, Scott and Pat discuss why so many people who voluntary left the workforce want jobs again. Allworth Chief Investment Officer Andy Stout joins the show to examine whether the Federal Reserve will raise interest rates for a 12th time in 18 months. Then, Scott and Pat help a caller create a strategy for taking distributions from several retirement accounts. Finally, a retiree and great saver asks whether she should be making extra mortgage payments.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Scott and Pat tackle questions about college costs, financial gifts, and estate planning.
<p>On this week’s Money Matters, Scott and Pat start the show by helping a father decide whether he should self-fund his daughter’s college costs. Then, they help a caller figure out how to value the amount of a financial gift he won’t give for another five years. Plus, Scott and Pat make a house call to a California woman to see whether she took their advice. Finally, they hear from a caller who had an estate planning conundrum.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why it’s time to review your insurance policies, questions about real estate investments and RMDs, and a guide to financial planning during turbulent times.
<p>On this week’s Money Matters, Scott and Pat explain why deadly fires in Maui should compel you to review your insurance policies. A house flipper from Iowa wants to know where to invest $250,000 in proceeds from the sale of three homes. A great saver from New Jersey asks where to best direct funds from a required minimum distribution (RMD). Finally, Scott and Pat discuss the challenges of financial planning for those in the airline industry.   </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The strange things people do with inherited money, questions about a pension and long-term care, and the danger of investment products.
<p>On this week’s Money Matters, Scott and Pat explain why receiving a financial windfall can make you more of who you already are. A 58-year-old single caller asks for help with a pension buyout decision. A Missouri man wants to know whether he can afford to self-insure his long-term care. Plus, Allworth advisor Steve Hruby joins the show, to discuss the danger of investment products.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The secret to success in investing, a call for help with a marital dispute, and advice on a long-term care policy.
<p>On this week’s Money Matters, Scott and Pat discuss what might be the single most important rule to abide by if you want financial independence. A father asks for guidance on the best strategy to use to pay for his child’s college education. A Pennsylvania caller needs Pat’s help resolving a marital financial dispute. Finally, A California woman wants to know which long-term care policy is the best for her.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The monster U.S. budget deficit, a marital conflict over a dream home, and investor biases explained.
<p>On this week’s Money Matters, Scott and Pat discuss the ramifications of the federal government’s $1 trillion budget deficit. A California woman wants help convincing her husband to sell his dream home. A Kentucky caller asks whether he should convert some of his 401(k) to a Roth IRA. Finally, Scott, Pat, and Allworth advisor Brian Murphy explore the dangerous impact that biases have on investors.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why some shouldn’t make extra mortgage payments, a question about a 529 plan, and how much Apple stock did you say you have?
<p>On this week’s Money Matters, Scott and Pat help a Colorado caller understand why she should avoid making extra payments on her home. Then, a father from California asks what will happen to his 529 plan now that his daughter thinks college isn’t the answer. Plus, Allworth partner advisor Chris Giordano joins Scott and Pat to explain how he dealt with a couple who had half of their net worth tied up in Apple stock.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why age shouldn’t determine stock allocation, questions about taxes and life insurance, and the vacation home that became an inheritance nightmare.
<p>On this week’s Money Matters, Scott and Pat explain the factors that should dictate how much stock you own. A newly married couple asks whether opening a particular kind of IRA will help them pay less in taxes. A private investigator wants to know whether his old job will keep him from receiving maximum Social Security benefits. Finally, Scott explains why it’s critical to have a well-thought-out inheritance plan.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The joy of financial planning, the income tax hitting good savers, and the danger of owning individual stocks.
<p>On this week’s Money Matters, Scott and Pat discuss the gratification that comes with creating a long-term plan for retirement. A caller from Chicago asks whether he should buy an annuity to supplement his income. Plus, a Texas man needs help managing his stock options. Then, Scott and Pat talk about an income tax impacting some investors. Finally, Allworth advisor Brian James joins the show to explain why owning individual stocks could lead you into the danger zone.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The danger of timing a recession, a retirement withdrawal strategy, and a deep dive into the world of wealth taxes.
<p>On this week’s Money Matters, Scott and Pat explain why it’s not a good idea to buy and sell when recession talk ramps up. A retiree from Ohio asks for guidance on a proper withdrawal strategy. Then, Scott and Pat delve into the world of wealth taxes. Finally, a California caller wants to know why his 401(k) contributions would cause the government to reject his tax returns.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Zombie mortgages explained, indexed annuities discouraged, and Medicare costs dissected.
<p>On this week’s Money Matters, Scott and Pat discuss mortgages from long ago that are suddenly haunting homeowners. A 49-year-old Arizona man asks whether he has too much money with one bank. Should a new retiree earning $8,300 a month from a pension consider an indexed annuity? Finally, Scott and Pat help a California caller prepare for future Medicare costs.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why most investors underperform the market, where to put home sale proceeds, and finding a place for 401(k) funds in retirement.
<p>On this week’s Money Matters, Scott and Pat explain why chasing short-term gains can lead to long-term problems. A Tennessee father asks whether buying his son a first home is a smart idea. A 31-year-old caller from Washington, D.C. wants to know where he should invest $500,000 in proceeds from the sale of his house. Finally, a Texas man who is about to retire asks for advice on where he should park the money sitting in his company’s 401(k).</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The cost of money, how to pivot when investments are locked up, and an unexpected response to a Roth conversion question.
<p>On this week’s Money Matters, Scott and Pat discuss the impact that higher borrowing costs have on local governments. Then, an 83-year-old asks how he can gain access to $2 million tied up in his company’s money purchase plan.  A California man wants to know whether his mother-in-law should sell a home. Finally, you’ll hear Scott and Pat’s unexpected answer to a question about a Roth conversion.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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When investing in cash is the wrong move, plus questions about investment strategy, long-term care insurance, and Roth conversions.
<p>On this week’s Money Matters, Scott and Pat discuss why companies choose to take on controversial issues. Then, a man looking to retire next year asks what a safe investment strategy would be. A caller from Hawaii wants to know whether her portfolio can weather a recession. Plus, Scott and Pat explain when investing in cash is the wrong choice. Finally, they tackle questions about long-term care insurance and Roth conversions.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Debt ceiling drama, the downside of investing in real estate, and when a portfolio is NOT too aggressive.
<p>On this week’s Money Matters, Scott and Pat discuss market reaction to debt ceiling talks.  Then, a 59-year-old wants to know whether she should invest money in real estate instead of putting it into her retirement account. You’ll hear Scott and Pat help a California woman with a question about prepaying taxes. Finally, a retiree from Iowa wonders whether he is being too aggressive with his portfolio.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A risky way to invest, a student loan concern, a question about dividend stocks, and how to identify a wealth manager with a conflict of interest.
<p>On this week’s Money Matters, Scott and Pat discuss a fad investment that is falling apart right before our eyes. Then they help a man who wants to know whether his child should wait for a Supreme Court decision before paying off student loans. A North Carolina caller asks whether he should sell some of his dividend stocks. Plus, Scott and Pat help you identify a wealth manager who has a conflict of interest. </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The fight against inflation, a debt ceiling showdown, and your questions answered.
<p>On this week’s Money Matters, Scott, Pat, and Allworth Financial’s Chief Investment Officer Andy Stout examine whether the Federal Reserve will press pause on interest rate hikes. Then, Scott and Pat help a caller navigate between multiple Roth IRA accounts. You’ll hear them explain why one man should take Social Security benefits immediately. Finally, they weigh in on the debt ceiling stalemate happening in Washington, D.C.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The true value of a financial plan, where money should come from to help a loved one, and why tax time should be all the time.
<p>On this week’s Money Matters, Scott and Pat explain why having a roadmap for your dollars is crucial. A 62-year-old asks whether $9,000 in monthly income will be enough to fund his lifestyle once he stops working full-time. You’ll hear guidance for a Montana woman who wants to know where she should pull money from to help her son-in-law. Then, Scott and Pat take a deep dive into tax planning for 2024 and beyond. Finally, they help a caller with a question about a lump-sum pension payout.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Bridging the gap between having wealth and feeling free, where to invest an inheritance, and questions about Social Security and Roth conversions.
<p>On this week’s Money Matters, Scott and Pat explain why having all the money in the world may not lessen your worry about it. A Pennsylvania teacher who just retired wants to know where she should invest inherited money. An Arizona caller asks whether she can claim her late ex-husband’s Social Security. Finally, a woman who called in the day after retiring finds out when she should do Roth conversions.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The monster U.S. budget deficit, a marital conflict over a dream home, and investor biases explained.
<p>On this week’s Money Matters, Scott and Pat discuss the ramifications of the federal government’s $1 trillion budget deficit. A California woman wants help convincing her husband to sell his dream home. A Kentucky caller asks whether he should convert some of his 401(k) to a Roth IRA. Finally, Scott, Pat, and Allworth advisor Brian Murphy explore the dangerous impact that biases have on investors.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Social media and the collapse of SVB, the role of diversification, and popular-but-volatile REITs.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing the collapse of Silicon Valley Bank in the social media age, before moving on to a conversation about the purpose of diversification. They then take a call from a disciplined saver who is drastically overinvested in REITs, followed by a Colorado caller who wants to know if he should pay off one of his mortgages.                             </p>
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When bad actors scam good people, the search for a late father’s assets, and the four components that create financial peace of mind.
<p>On this week’s Money Matters, Scott and Pat discuss two men accused of ripping off thousands of people of their hard-earned money. A 71-year-old wants to know whether it’s time to do a Roth conversion. You’ll hear Scott and Pat try and help a man track down his late father’s assets. Plus, they interview the author of the new book, “Retire to the Fullest.” Finally, a lesson on how to manage a 529 plan if the child never goes to college.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The consequences of banking industry troubles, why it’s taking so long to lower inflation, and when should you sell stock that’s almost worthless?
<p>On this week’s Money Matters, Scott, Pat and Allworth Chief Investment Officer Andy Stout discuss the repercussions that banking industry turmoil could have on the broader economy. They also tackle the fight against inflation, and the disconnect between Wall Street and the Fed. Finally, Scott and Pat help a caller who wants to know when he should sell stock of a company that just filed for bankruptcy.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A deep dive into banking industry turmoil, a caller worried about market volatility, and why some should take Social Security ASAP.
<p>On this week’s Money Matters, Scott and Pat have an in-depth discussion of turmoil in the banking industry with the president and CEO of a regional bank. Then they help a caller who wonders whether he should take his money and run from market volatility. Finally, they explain to an Ohio man why it will be dangerous for him to wait until 70 to take Social Security.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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SPECIAL EPISODE: Banks bite the dust, a question about renting versus buying a home, and why smart people are making poor financial decisions right now.
<p>On this special episode of Money Matters, Scott and Allworth Chief Investment Officer Andy Stout put banking industry turmoil into context. Then Scott and Pat help a 60-year-old single woman who wonders whether she’s making a mistake by not owning a home. A caller wants to know whether he should open a tax-deferred account to house some of his 2023 income, or just pay the taxes now. Finally, Scott and Pat talk to an expert on decision making about why smart people are making bad financial choices right now.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A big change in consumer behavior, when $5 million is enough, the crypto collapse, and properly timing Social Security
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing the impact of a huge change in consumer behavior. A caller with $5 million in savings is worried she hasn’t saved enough. A 68-year-old Coloradan wants to know if he should take Social Security. And, finally, a call from a veteran who has saved well and wants to change careers gives way to a crypto conversation.                      </p>
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When so much stock is too much stock, the danger of chasing dividends, and when to start withdrawing from a retirement account.
<p>Your company offered you how much stock? On this week’s Money Matters, Scott and Pat explain why that could be risky business for some. Then an Oregon man asks whether he should start withdrawing money from his thrift savings plan. A caller from Illinois wants to retire alongside his wife but wants to run the numbers by Scott and Pat. Finally, a retiree from New York asks whether he needs to take Social Security right now in case the program’s trust fund runs out of money.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The cost of fear and greed, a question about Roth conversions, and an estate plan dilemma.
<p>On this week’s Money Matters, Scott and Pat explain the importance of making the right financial moves when markets are down, but also when they are up. A husband and wife ask when they should do Roth conversions, but Scott and Pat never answer their question. Huh? You’ll hear why. Finally, a caller from Montana wants to know whether it’s best to have a family member be the executor of her estate, rather than a third party.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The government’s response to the crypto crisis, where to invest $75,000, and advice on buying a home.
<p>On this week’s Money Matters, Scott and Pat examine the government’s response to the crisis in the crypto industry.  A caller from Chicago asks whether he should invest $75,000 in a CD or in a Treasury bill instead. A California man needs help with his wife’s permanent disability benefits. Finally, Scott and Pat make a “house call” to a great saver in Florida who wanted to know back in 2021 whether he should buy a home. Hear if he took our advice.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The future of Social Security, Roth conversions, and managing money during a job change.
<p>On this week’s Money Matters, Scott and Pat discuss the uncertainty over the future of Social Security.  A Pennsylvania man with half of his net worth tied up in Berkshire Hathaway stock wants to know whether he should do a Roth conversion.  A caller from Michigan asks whether he should start contributing to his company’s Roth 401(k). Finally, Allworth partner advisor Mark Shone joins the show to tackle ways to manage your money if you were to lose your job.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The war against inflation, a question about investment property, and whether now is the time to pay extra toward a mortgage.
<p>On this week’s Money Matters, Scott and Pat examine whether the Fed is now winning its fight against inflation.  A South Carolina man asks whether he should sell an investment property and put the proceeds into a 529 plan for his kids. Finally, a caller from Illinois wonders whether he should make an extra payment toward his mortgage.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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An IRA dilemma, a question about taxes, and why not all recessions are the same.
<p>On this week’s Money Matters, Scott and Pat tackle a unique situation where an investor has nearly all of his retirement money in a Roth IRA.  They advise a California caller who wants to know whether there’s a tax advantage to designating herself as a contractor versus an employee.  Allworth Advisor Jeff DeBoer joins the show to explain why all recessions aren’t the same. Finally, hear why Scott and Pat think a Michigan caller should sell a non-traded REIT.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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How the fundamentals of investing will serve you well in 2023.
<p>On this week’s Money Matters, Scott and Pat explain how the basics of investing hold true regardless of what the markets do.  A Colorado woman wants to know whether it makes sense to buy a place in New Zealand. Should a caller from California move some money into a Roth? Finally, Scott and Pat tackle the nuances of a financial plan with Allworth advisor Brian James.   </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p> <p> </p>
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The problem with predictions, mortgage, stock, and pension questions, and financial planning goals for 2023.
<p>On this week’s Money Matters, Scott and Pat discuss how wrong the “experts” are when predicting stock market performance.  A Tennessee woman wants to know whether she should pay off her mortgage. A California caller with too much Apple stock needs help mitigating his risk. Plus, financial planning goals to make for 2023, and guidance for a Michigan caller with a pension.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Optimism for worried investors, the amount of umbrella insurance you need, and where to invest the proceeds from a home sale.
<p>On this week’s Money Matters, Scott and Pat provide optimism, and explain why 2023 is NOT the time to throw out your long-term financial plan. Then they help a Louisiana woman decide how much umbrella insurance she needs. You’ll hear whether they approve of an annuity a California man is invested in. Finally, help for a Colorado caller who wants to know where he should invest the proceeds from the sale of his home.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Looking back at 2022 and preparing you for 2023 and beyond.
<p>On this week’s Money Matters, Scott and Pat review the wild year that investors endured and help prepare you for what’s to come.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The most entertaining and informative calls of 2022.
<p>On this special edition of Money Matters, Scott and Pat revisit some of the most entertaining calls of 2022, starting with a Seattle woman who called on her birthday and wanted to know how to fold rental property into her retirement plan. Plus, they help two callers who wanted to know whether they should pay off their mortgages. Finally, a father and daughter hop on the phone to get some expert advice.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The FTX fiasco, the risk of a recession, and are you a candidate for a Roth conversion?
<p>On this week’s Money Matters, Scott and Pat discuss the fallout from the collapse of FTX.  Then they are joined by Allworth’s Chief Investment Officer, to gauge the risk of a recession. A 34-year-old caller asks whether he should sell some stock at a loss for tax purposes. A Texas teacher needs help with his 403(b). Finally, words of wisdom for callers with questions about a pension, and Roth conversion. </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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The challenges of investing, the pros and cons of REIT’s, and is universal life insurance worth it?
<p>On this week’s Money Matters, Scott and Pat discuss the difficulties that come with investing.  A Florida man asks whether he has enough cash flow to purchase a $1 million home. You’ll hear advice for a Michigan caller who may want to lease some of his land. Plus, the pros and cons of REIT’s, and whether universal life insurance is worth it.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Is the classic 60-40 portfolio model dead?
<p>On this week’s Money Matters, Scott and Pat discuss whether the classic 60-40 portfolio model is actually dead. They then answer a call from a Washington investor who wants advice on the tax implications of converting a traditional IRA into a Roth IRA, before advising a son who has questions about selling his mother’s EE savings bonds.</p>
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Why some should spend down their savings, advice on dividend stocks, and overcoming the fear of financial planning.
<p>On this week’s Money Matters, Scott and Pat explain why they sometimes advise callers to spend down their savings. You’ll hear them help a New York man who wants to know what he should do with $250,000 of profit from a home sale. A California man asks whether he should cash out dividends or reinvest them. Finally, a fellow Allworth advisor joins Scott and Pat to help listeners overcome the fear of financial planning.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The crypto crisis, the impact of interest rates on pensions, and where to allocate an inherited IRA.
<p>On this week’s Money Matters, Scott and Pat explain why the current crypto crisis was bound to happen. A Texas man with a pension wants to know whether he should retire at the end of the year. You’ll hear advice for a caller who says his company “medically retired” him. Plus, help for a Missouri man who just wound up with an inherited IRA worth $115,000.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Rebalancing your portfolio, questions about Social Security, and where to allocate income.
<p>On this week’s Money Matters, Scott and Pat explain why rebalancing a portfolio is such an important matter right now. They advise an 84-year-old Arizona woman who wants to know whether she should worry about her investments anymore.  You’ll hear why an Ohioan with real estate holdings needs more cash. Finally, guidance for two California callers with questions about Security.    </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The best way to steer yourself through market volatility, plus lessons on inheritances, dividends, divorce, annuities, and estate planning.
<p>On this week’s Money Matters, Scott and Pat explain the best way to steer yourself through market volatility, while still leaving room for growth. They help a Washington woman whose inheritance is largely tied up in several annuities. A man who can’t find work wants to know whether he should throw in the towel and retire.  You’ll hear Scott and Pat discuss the impact that divorce can have on estate planning.  Finally, a lesson on whether reinvesting dividends makes sense.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why some should retire right now, advice on investing aggressively, and what to check on before hiring a financial advisor.
<p>On this week’s Money Matters, Scott and Pat explain why a specific group of people should consider retiring before the end of the year.  A caller from Georgia wants to know whether he should invest more aggressively right now.  You’ll hear guidance for an Ohio woman who wants to put a $100,000 inheritance to work. Plus, what to check on before hiring a financial advisor. </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The downfall of timing the stock market, when to use the power of the Roth IRA, and pay off that mortgage!
<p>On this week’s Money Matters, Scott and Pat explain why you must resist the urge to jump out of the stock market right now. Plus, they help a 21-year old decide where to allocate nearly $50,000 he has already socked away. Finally, Scott and Pat check back in on a woman who called the show asking for help with her severance. Did she take their advice to pay off her mortgage and boost her 401(k) contributions?</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Coping with financial pain, a question about investing in growth stocks, and when some should take Social Security.
<p>On this week’s Money Matters, Scott and Pat discuss how the long-term investor should handle the financial pain so many are feeling.  A caller with more than $2 million in net worth wants to know when he should take his Social Security disability income during retirement.  Plus, is now the time to invest in growth stocks? Scott and Pat guide a caller through that scenario.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The Fed’s so-called “soft landing”, the truth about gold, sucking equity from a home, and the power of a diversified portfolio.
<p>On this week’s Money Matters, Scott and Pat discuss when the housing market might finally cool off. A caller from Mississippi wants to know whether she should stay in her current home or live in a rental while she builds a new house. They help a Florida man decide whether he needs a financial advisor. A caller from Texas gets a lesson on the importance of having a diversified portfolio. Plus, straight talk on the Fed’s so-called “soft landing”, and why some investments aren’t good as gold.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The consequences of poor financial planning, how to handle RMD’s when markets are down, and should I use my 401(k) to pay off my mortgage?
<p>On this week’s Money Matters, Scott and Pat explain why failing to plan for market drops is planning to fail.  They help a caller decide how much of an RMD to take while the indexes are down.  You’ll hear from a woman who wants to know whether it’s a good move to use some of her 401(k) to pay off her mortgage. Finally, a father puts his college graduate on the phone to get a lesson on investing.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Minimizing risk while staying in the market, the consequences of fad investing, and what NOT to do during this volatile time.
<p>On this week’s Money Matters, Scott and Pat help a caller who wants to minimize her risk without pulling money from the stock market.  A California man wants to know whether he should remodel his home or buy a new one.  You’ll hear a real world example of what can happen when people engage in fad investing. Finally, what you should NOT do when markets are down.  </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The impact of the poor inflation report, why some should take Social Security as soon as possible, and what a difference a year makes in the crypto world.
<p>On this week’s Money Matters, Scott and Pat discuss the potential impact the recent poor inflation report could have on investors. You’ll hear why they say an Arkansas man should take his Social Security as soon as possible. Finally, they revisit a caller who was hot on crypto last year when it was sky high. Scott and Pat advised him to cool down. Find out if he took their advice.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Pension advice, asset allocation guidance, the danger of financial insurance products, and where to draw income from in the first years of retirement.
<p>On this week’s Money Matters, Scott and Pat help an Alaska woman decide whether now is the time to draw from her pension.  A 61-year-old from Seattle spends her birthday asking about tax implications related to her real estate holdings.  You’ll hear why Scott and Pat think a Colorado man should weather the current market volatility.  Finally, a North Carolina woman learns the best way to generate income if she and her husband wait to draw from a pension and Social Security.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Navigating market volatility, minimizing capital gains taxes, allocating investments, and whether to tap home equity.
<p>On this week’s Money Matters, Scott and Pat discuss the Federal Reserve’s aggressive stance on fighting inflation. You’ll hear them help a man who wants to minimize capital gains taxes from the sale of a home. A 57-year old public school teacher wants to retire in three years but needs help with her asset allocation.  Plus, guidance for a Texas woman with $400,000 sitting in cash, and advice for a man who wants to tap home equity to fund retirement.   </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A caller with $146,000 in student loan debt, a discussion about the cost basis for investments, and the pros and cons of target date funds.
<p>On this week’s Money Matters, Scott and Pat discuss the implications of student loan debt relief.  Speaking of student loans, a caller who just came into some money wants to know whether she should pay off her $146,000 in debt. Hear why Scott and Pat say no. Plus, an in-depth discussion about the pros and cons of target date funds.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Roth versus Traditional IRAs, investment fads, and special guest Hal Hershfield, an award-winning UCLA behavioral psychologist.
<p>On this week’s Money Matters, Scott and Pat help a caller decide between a Roth or a Traditional IRA. They then discuss pensions and fad investments, before welcoming special guest, world-renowned behavioral psychologist, and UCLA Anderson School of Management professor, Hal Hershfield, who discusses politics, placebos, nature versus nurture financial decision making, the emotional differences between siblings, and the motivation behind various approaches to investing, saving, and money.    </p>
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Advice on life insurance, an in-depth discussion about Social Security, and do bear and bull markets matter?
<p>On this week’s Money Matters, Scott and Pat explain whether long-term investors should worry about bear and bull markets.  A caller wants to know whether it’s appropriate to ask how their advisor manages money.  Pat and Scott take an in-depth look at Social Security, one of the most talked about financial topics.  Finally, honest advice for a Colorado man with a question about life insurance.   </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Risk tolerance, advice on life insurance, and why tax time should be all the time
<p>On this week’s Money Matters, Scott and Pat help a man align his risk tolerance with current market volatility.  They give honest advice to a caller who thinks his friend should move some money from bonds to cash.  A retired member of the military wants to know what kind of universal life insurance policy to buy.  A Georgia woman wonders where to transfer her old HSA.  And Scott and Pat explain why tax time should be all the time. </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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The best 403(b) providers, advice on buying a second home, and why a robo-advisor is a no-no.
<p>On this week’s Money Matters, Scott and Pat break down the best 403(b) plans for an English teacher who is shopping around.  A Virginia man wants to know whether now is the time to pull the trigger on buying a second home.  We check in with a father of five who called the show a few months ago, wondering what to do with $120,000 he had sitting in cash. Finally, honest advice for a man thinking of using a robo-advisor. </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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How to react to financial news, advice on dividend stocks, and guidance on a pension payout.
<p>On this week’s Money Matters, Scott and Pat explain why they spend less time on financial news, and more time on your response to it. They advise a caller whose mother doesn’t have enough in a money market for her required minimum distribution. You’ll hear Scott and Pat assist a man who is deciding whether to take out a bridge loan or HELOC. Finally, they help a caller who wonders whether a lump-sum pension payout is the correct course of action.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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A lesson on bonds, when to do Roth conversions before taking Social Security, and the importance of ignoring the noise.
<p>Do the markets have you feeling nervous? On this week’s Money Matters, Scott and Pat explain why it’s so important to ignore the current financial noise. Plus, answers for a man with questions about the duration of bonds. Finally, should you do Roth conversions before taking Social Security? Hanson and McClain have rock solid advice.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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When insurance is crucial, the beauty of the backdoor Roth, and separating retirement fact from fiction.
<p>On this week’s Money Matters, Scott and Pat spell out what you absolutely need insurance for.  Then, they walk a caller through the process of doing a backdoor Roth IRA conversion.  You’ll hear the honest advice Scott and Pat give a retiree who wants to take money from her IRA to pay down her car.  Finally, Scott and Pat play a little retirement fact or fiction.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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When a down market is healthy, and why the answer to the most common question about retirement is a complicated one.
<p>On this week’s Money Matters, Scott and Pat explain how the financial pain we are feeling right now could be good for us in the long run. Plus, why the answer to the most common question about retirement is a complicated one. Is land a good hedge during a recession? Scott and Pat give a caller some honest advice.  Finally, guidance for a man who wonders whether it’s a good idea to use an investment windfall to pay off his home.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Extracting the bull from bear markets, the risk of taking money from a Roth IRA, and how to find the right financial advisor.
<p>On this week’s Money Matters, Scott and Pat extract the bull from bear markets.  Then they offer honest advice to a 61-year-old who got spooked and yanked money out of her Roth IRA.  A Georgia man hears why bond maturity is a key to his retirement. Finally, Scott and Pat help a man looking for the key questions to ask a potential financial advisor.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p>
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Putting scary market headlines under the microscope, calculating a hedge for inflation, and the journey of a man who sought out investment advice from a dozen firms.
<p>On this week’s Money Matters, Scott, Pat and Allworth’s Chief Investment Officer Andy Stout put recent scary market headlines under the microscope.  Then Scott and Pat help a high school teacher who is unsure where his money should be invested.  Finally, a man who sought out investment information from a dozen firms ends up on the phone with Scott and Pat.</p> <p>  </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why smart people make poor financial decisions, help with a rollover IRA, and is a dream retirement in Florida achievable?
<p>On this week’s Money Matters, Scott and Pat talk to an expert about why smart people make poor financial decisions.  You’ll hear advice for a man who wants to be more aggressive with his rollover IRA.  Finally, guidance for a husband who hopes he can build a home and retire in Florida. </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Perspective on market volatility, a question about life insurance, and an IRA that’s bleeding money
<p>On this week’s Money Matters, Scott and Pat explain why history will show that recent market volatility is temporary. Then they help a woman with an IRA that’s bleeding money.  Are her investments too aggressive?  Plus, guidance for a couple who wonders whether they should cash out their life insurance policies. Finally, a roadmap for a younger retiree who wants to do something with $75,000 in cash.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The impact of good financial planning during turbulent times, COVID’s influence on a pension, and can we buy our dream home?
<p>On this week’s Money Matters, Scott and Pat discuss the impact that good financial planning is having during these turbulent times. Then, they provide guidance for a worker who lost out on a full pension after having an allergic reaction to the COVID vaccine.  You’ll hear advice for a man thinking of moving equity from his homes into the bank.  Finally, they help a couple decide whether there’s enough money to buy a dream home.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The real reasons for inflation, a warning about 401(k) loans, and what a pig farmer can teach you about investing
<p>On this week’s Money Matters, Scott and Pat explore the real reasons for inflation with one of the world’s leading authorities on monetary policy and economic history.  Then, they deliver a warning for a woman who is considering taking out a 401(k) loan to pay off credit card debt.  You’ll hear honest advice for a man who wants to accelerate paying off his home.  Finally, what a pig farmer can teach us about investing.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A perfect example of financial planning, and a house call to a man who “accidentally retired”
<p>On this week’s Money Matters, Scott and Pat utilize a financial planning technique to get to the bottom of a man’s question about social security.  Then they guide a retiree and single mother who wants to financially help her daughter pursue her dreams.  Finally, Scott and Pat make a house call to a man who once called the show and said he “accidentally retired.”</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Wall Street whiplash, concerns about bonds, and how a few extra years of work can really pay off
<p>On this week’s Money Matters, Scott and Pat discuss Wall Street whiplash and what it means for long term investors. Then they provide advice for a woman concerned about her bond allocation.  You’ll hear guidance for a woman who wants to know whether it’s time for her husband to retire. Finally, how just a few extra years of work can really pay off.  </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Money markets, mortgages, marriage and more!
<p>On this week’s Money Matters, Scott and Pat give advice to a recently married man thinking about investing $500,000 in cash into real estate. Then they provide guidance for a woman arguing with her husband over $215,000 that’s sitting in a money market. Plus, you’ll get a lesson on the donor-advised fund.  Finally, help for a woman who wants to contribute to a Roth IRA but doesn’t have enough money.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Financial security, Roth conversions, and I’ve got stock - what should I do with it?
<p>On this week’s Money Matters, want financial security? Scott and Pat discuss the responsibility needed to attain it.  Plus, advice for a retiree thinking of buying more long-term care insurance. Then, is selling stock a good decision? Guidance for a couple thinking of pulling the trigger.  Finally, why Roth conversions may not be prudent for a New Yorker who wants to move.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Inflation, the wild real estate market, and honest conversations about taxes, investments, and retirement.
<p>On this week’s Money Matters, Scott and Pat discuss red-hot inflation and its impact on the real estate market.  Then they offer guidance to a young investor with questions about restricted stock units.  Plus, help for a 67-year-old with taxes to pay on a conversion from a 401(k) to a Roth IRA. Finally, a look at whether a father of two is on the right track to retirement.    </p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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A deep dive into the 401(k), and we said pay off your mortgage. Did he take the advice?
<p>On this week’s Money Matters, Scott and Pat discuss the creative ways people are paying off student debt after they’ve taken vows of poverty.  You’ll hear advice for a woman thinking of selling gold and silver coins she’s had for 50 years. Plus they help a pilot decide whether to contribute to his regular 401(k), or Roth version. Finally, Scott and Pat check in on a man who called the show eight months ago with a million dollars in savings.  Did he take the suggestion to pay off his mortgage?</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Fighting inflation, a warning about an inheritance, and the man who blew all his money because he “thought” he was dying
<p>On this week’s Money Matters, Scott and Pat help a father of five who is worried about inflation gobbling up his $100,000.  Then they explain why planning your retirement around an inheritance could backfire.  Plus, advice for a conservative investor who needs help managing $80,000. And hear the remarkable story of a man who blew through all his money because he thought he was dying.  Turns out he wasn’t.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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What financial security feels like, and when to access money you don’t need right now
<p>On this week’s Money Matters, what does having financial security feel like? Scott and Pat define the emotion.  Then they advise a man who can live off a pension but wants to know whether he should access the funds in his IRA.  Plus, should a parent with a second child on the way put $30,000 into a 529 plan or pay down the house with it? Scott and Pat send him in the right direction.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also be on the air by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Big swings on Wall Street: a reality check
<p>On this week’s Money Matters, Scott and Pat put wild swings on Wall Street into perspective. Then they help a man sort out tax implications after his mother accidentally deposited money meant for her IRA, into a checking account.  You’ll hear honest advice for a man who wants to tap into his home’s equity to buy rental property.  Plus, should you buy or rent a house? Scott and Pat help guide a young investor.     </p>
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Car prices, high-dividend stocks, and reallocating a risky portfolio.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing the premium prices being paid for new and used automobiles. They then take a question about the viability of a portfolio constructed entirely of high-dividend stocks. A disabled veteran is working with an advisor that had invested his life savings in an uncomfortably high-risk portfolio, and then liquidated it. They then answer a call from a 43-year-old Arizona man who wants to know about allocating his 401(k).         </p>
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The impact of the war in Ukraine, life insurance, and recovering from numerous financial mistakes.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing the global economic impact of the war in Ukraine. A caller wants to know if there exists a global catastrophe economic trigger point that would ever motivate Pat or Scott to get out of the market. A caller asks if he has enough insurance to cover his four children in the event of a tragedy. A good saver has made some financial mistakes and wonders if it’s too late to recover.   </p>
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Conflict in Ukraine: Remain Calm
<p>On this special edition of Money Matters, Scott and Allworth’s Chief Investment Officer Andy Stout explain why the key is calm during conflicts like the one in Ukraine. Then Scott and Pat help a woman navigate a $10,000 loss in her retirement account. You’ll hear advice for a woman afraid to use part of her emergency fund to pay off her mortgage.  Plus, do you have to pay capital gains tax if you inherit your parents’ house? Hanson and McClain have the answer.</p> <p> </p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p> <p> </p>
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”An 11 year old told me to invest in crypto.”
<p>On this week’s Money Matters, Scott and Pat talk inflation.  Then Scott shares what he said to an 11-year old who told him he needed to invest in cryptocurrency.  Plus they reveal the most realistic time to start worrying about retirement. You’ll hear advice for a man thinking about rolling over his old 401k.  Finally, a lesson on what to do with your required minimum distribution.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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“An 11 year old told me to invest in crypto.”
<p>On this week’s Money Matters, Scott and Pat talk inflation.  Then Scott shares what he said to an 11-year old who told him he needed to invest in cryptocurrency.  Plus they reveal the most realistic time to start worrying about retirement. You’ll hear advice for a man thinking about rolling over his old 401k.  Finally, a lesson on what to do with your required minimum distribution.</p> <p>Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>.  You can also email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p> <p> </p> <p> </p>
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A bullseye on target-date funds
<p>On this week’s Money Matters, Scott and Pat explain why “it makes no sense” to have a target date fund outside of a retirement account.  Then they help a woman who wants to use biblical principles to leave an inheritance.  Plus, why a 62-year old with a child on the way should pull the trigger now on his social security.  </p>
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Stock market volatility, advice on buying rental property, and a lesson in cryptocurrency.
<p>On this week’s Money Matters, Scott and Pat kick off the show by discussing the impact that social media stocks are having on market volatility. A woman about to retire wants to know whether she has enough money to buy a vacation home. A retiree asks whether he should invest $300,000 in a rental property or REITs. A high school teacher wants advice on teaching his students about cryptocurrency. Finally, a father with a disabled daughter wants to know how aggressive he should be with his portfolio.  </p>
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Choosing between an IRA or state pension, investment alternatives, and the collapse of Peloton stock
<p>On this week’s Money Matters, Scott and Pat begin the show by answering a question about the tax implications of choosing between a state pension and an IRA. They then answer a question from a Southern California man who wants advice on investment alternatives. The two then discuss the fall of exercise bike Peloton’s stock. Finally, a caller wants to know the specifics of a Roth conversion.</p>
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Market corrections, low-tax states for retirement, and living wills and trusts.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing market corrections before taking a call from a great saver about investing in a backdoor Roth and then moving to a low-income tax state. A caller asks whether dividend stocks are a good investment. A 60-year-old caller wants to know the approximate tax burden on her Tesla and Apple stock? Lastly, a couple wants information on beneficiaries and revocable living trusts.    </p>
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The COVID resistant market, savings advice for late bloomers, and required minimum distributions.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing the seemingly COVID-resistant stock market. A married caller with high income and no savings wants to know how she can make up ground. A 71-year-old caller wants information on required minimum distributions. Next, a 61-year-old with five separate retirement savings accounts wants to know which vehicle he should tap first. Lastly, a caller wants to know if he should sell his losing stocks.        </p>
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Family financial conversations, money from an inheritance, and an overview of SEPs.
<p>On this week’s Money Matters, Scott and Pat begin the show by discussing some recent conversations they’ve had with their own families about money. A caller recently lost both her parents and wants advice on what to do with the $400,000 inheritance. A self-employed caller wants information on SEPs. A savvy California investor wants to know if her stock allocation is age appropriate.</p>
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Financial resolutions for the New Year, debt management, and Indexed Universal Life
<p>On this New Year’s 2022 edition of Money Matters, Scott and Pat discuss keeping financial resolutions, before advising a caller who is curious about indexed universal life insurance. A Michigan caller wants to know about the feasibility of leasing part of his land to an energy company. Finally, a caller with a net worth of $2.2 million, which she mostly keeps in cash, wants to know if she should invest in the stock market.       </p>
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This “best of” Money Matters includes calls about liquidating annuities, high mutual fund fees, and investment conflicts.
<p>On this week’s special “Best Of” Money Matters, Scott and Pat advise a New Jersey caller who wants to liquidate a $130,000 annuity. A caller wants to know why the fees on his mutual funds are so high. A Sacramento caller wants to know if he can afford to retire and move to Thailand. Finally, a police officer wants to know if the windfall elimination provision will impact his Social Security.          </p>
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Record inflation, building long-term wealth, and converting a term life insurance policy.
<p>On this week’s Money Matters, Scott and Pat advise a 28-year-old California caller earning $120,000 a year and who wants to create some additional revenue streams. A 67-year-old wonders if her investment risk exposure is in line with her age and rate of savings. A married man wants advice about investing the proceeds from a home sale. Lastly, a man wants to know if he should convert his term life insurance policy.   </p>
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Elusive financial confidence, taxation on life insurance, and liquidating a large annuity.
<p>On this week’s Money Matters, Scott and Pat debate what it means to have financial confidence before advising a caller about paying income tax on a life insurance windfall. A retiree has $220,000 invested in an annuity and wants guidance about how to keep his tax obligation low. And, finally, a Salt Lake City man wants to know if saving 42% of the family income will be enough to fund retirement.        </p>
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The impact of omicron, pros and cons of inflation bonds, rental property, and excess debt.
<p>On this week’s Money Matters, Scott and Pat advise a caller who wants to know about inflation bonds, then answer a question from a South Carolinian with three rentals, a $1.2 million portfolio, and a moderate amount of debt. A caller from Georgia wants to know what to do with $400,000 from the sale of a business. A caller wants to know whether he should take Social Security at age 62, age 65, or age 70. Finally, a Northern California caller owns three rentals outright but has a $300,000 mortgage on her primary residence and wants advice on whether she should invest or pay off the loan.        </p>
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Start-ups, non-profits, 529s, and choosing between a 401(k) and a brokerage account.
<p>On this week’s Money Matters, Scott and Pat advise a teacher from New York who wants to start a business. A caller who received a $300,000 inheritance wants to know where to invest and how to make sure his children benefit. A 33-year-old caller from Virginia wants help deciding between contributing to her work sponsored 401(k) and a brokerage account. A highly organized retiree wants to know if his investments are too conservative, and how to start a non-profit. A former Marine who has spent his career as a postal worker wants to educate his grandchildren about investing and money.   </p>
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Rising home prices, the impact of inflation, and long-term care insurance.
<p>On this week’s Money Matters, Scott and Pat advise a caller who has lived in Yosemite for 30 years, saved well, but can’t quite afford a long-term care insurance policy. A caller who has saved $500,000 wants to know when he should file for Social Security. A 74-year-old Portland resident wants to know whether he should spend $700,000 to move into a retirement community. A soon-to-be retired state employee from San Diego wants to know how much the government will take from her pension. A retiree in his late 60s asks about Medicare Part B plan premiums.</p>
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The Rivian electric vehicle IPO, retirement account distribution strategies, and the downside of universal life insurance policies.
<p>On this week’s Money Matters, Scott and Pat discuss the record-setting Rivian electric vehicle IPO, before taking a call from a Georgia woman who wants advice on the sequencing of the drawdown of her retirement accounts. A city employee wants to know if she should keep her universal life insurance policy. A lifelong Californian wants financial advice about moving out of state. A North Carolinian has managed to save over $600,000 while making less than $60,000 a year. Finally, a California caller with $4 million in savings, and a $100,000 yearly pension, has three children who all live in New York and want her to move there.       </p>
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Overseas stock sales, delaying Social Security, and the ProShares Bitcoin Strategy ETF.
<p>On this week’s Money Matters, Scott and Pat advise a caller from Columbia about paying capital gains taxes on an overseas stock sale. A California man with $3.5 million saved wants to know about delaying Social Security and refinancing his home. Scott and Pat then discuss the ProShares Bitcoin Strategy ETF. A caller from Woodland, California wants to know where to invest money from his former company’s profit-sharing program. They then advise a risk-adverse 67-year-old woman who has 63 percent of her $2.2 million savings in cash. Finally, a man in his late 50s with money to invest wants to know about Bitcoin.       </p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Low interest rates, Tesla at $1 trillion, and a Trump SPAC
<p>On this week’s Money Matters, Scott and Pat discuss how long-term investors can invest during this unusual inflationary environment.</p> <p>Scott and Pat advise a caller with $1.2 million in retirement savings about becoming a more passive investor. A caller with an income of $114,000 asks if he should take Social Security early. A bicycle racer asks how he can fund his hobby in retirement. Scott and Pat speak with a woman in California who is concerned what will happen to her bond investments if interest rates rise. Finally, a father in Virginia asks how he can prepare for a future financial collapse.  </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Questions for a global minimum tax
<p>On this week’s Money Matters, Scott and Pat discuss the potential implications of a global minimum tax.</p> <p>Scott and Pat advise a caller looking for a check-up on his plan to move to Portugal during retirement. A caller asks how her stock options will be impacted when her company goes public. Scott and Pat speak with a woman looking to invest the money in her revocable trust. A Michigan man with a family income of $250,000 a year asks if he’s on track to retire early. Finally, a retired caller with a $1 million inheritance asks how she should invest the money.</p> <p>Ask a question by calling 1-833-999-6784 or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The shadow inflation problem
<p>On this week’s Money Matters, Scott and Pat discuss the surprising reasons why inflation is higher than the news indicates.</p> <p>Scott and Pat advise a new father making $300,000 a year about saving for his child’s future. A Massachusetts caller asks how to develop a more thoughtful Roth conversion strategy for his $1.8 million in retirement savings. A federal employee with $1.2 million in a Thrift Savings Plan asks if he can afford to retire comfortably. A California caller asks if he should pay down his $115,000 mortgage balance with his 401(k). Finally, Scott and Pat advise a saver about how he should handle his multiple life insurance policies.</p> <p>Ask a question by calling 1-833-999-6784 or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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The cheap debt conundrum
<p>On this week’s Money Matters, Scott and Pat explain how low interest rates impact equities, the housing market, and the strange investment trends of 2021.</p> <p>Scott and Pat advise a father in Kansas City about how he can leave his $4 million IRA to his children in a tax-smart way. A caller with $800,000 in her 401(k) asks how she should pay for her vacations during retirement.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Expect rising insurance costs
<p>On this week’s Money Matters, Scott and Pat discuss the two key reasons they expect insurance costs to rise.</p> <p>Scott and Pat advise a New Jersey woman about handling $100,000 in a union retirement savings plan. A West Virginia man asks if he should invest $600,000 with a financial advisor who picks stocks. Finally, a caller planning to sell a house for $1.5 million asks what tax-write offs he should include in the sale.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Gold versus inflation
<p>On this week’s Money Matters, Scott and Pat break down the myth linking gold prices with high inflation.</p> <p>Scott and Pat advise a caller from New Zealand about transferring $34,000 from her home country to a bank in the United States. A father asks how he can help his son invest the $40,000 he’s carefully saved. A Colorado man asks how to invest $475,000 before his new home is completed next year. Finally, a caller who saved physical gold bullion asks how much he should keep as he diversifies into other investments.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Tax increases and your changing financial plans
<p>On this week’s Money Matters, Scott and Pat discuss which tax changes may result from the $3.5 trillion reconciliation bill and how savers can prepare.</p> <p>Scott and Pat advise a retired Army officer about how to handle three different life insurance policies. A caller asks if he should save money in Swiss bank accounts for added diversification. A man in California asks how he should invest $850,000 to ensure a comfortable retirement. Finally, Scott and Pat speak with a small business owner who wants to know when she should take Social Security.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A new home with no proof of income.
<p>On this week’s Money Matters, Scott and Pat discuss their concerns about higher home prices and why young savers should utilize Roth 401(k)s.</p> <p>Scott and Pat advise a father about the best way to save for his children’s college education. A caller expecting $1 million from her mother’s estate asks how she should handle the windfall. Finally, a Colorado man asks if he should use the cash in his Roth IRA to pay off his $172,000 mortgage balance.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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There’s no such thing as a “Free Lunch.”
<p>On this week’s Money Matters, Scott and Pat invite Allworth Financial’s Chief Investment Officer Andy Stout on the show to discuss the markets, inflation, unemployment, and how the Federal Reserve’s easing monetary policy might affect the overall economy.</p> <p>Scott and Pat advise a long-time listener with a complicated CalPERS Long-Term Care Policy decision to help ensure his choice makes the most financial sense for his needs. Another California man asks how to determine the right amount of umbrella insurance to be sufficiently covered from any number of incidents from a dog bite, car accident, or an unexpected injury to someone else.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Annuities inside 401(k)s
<p>On this week’s Money Matters, Scott and Pat discuss the soaring used car market and speak with a caller who is considering buying a $100,000 annuity inside her 401(k) plan.</p> <p>Scott and Pat advise a San Francisco man on his plan to retire to North Carolina. A caller who is just starting out in his career asks how he should save for a house. A Pennsylvania man asks if he should turn his duplex into a rental that could net $1,400 a month. A California caller asks if she should buy a deferred fixed annuity.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Planning for future tax changes.
<p>On this week’s Money Matters, Scott and Pat discuss the challenges of making a Roth conversion decision and why some online retirement calculators may not give you the correct answer for your situation.</p> <p>Scott and Pat advise a caller with three rental properties about whether he should pay down his mortgages early. A father wants to know if his son, who makes $75,000 a year, is making eligible Roth contributions. A caller with more than $2 million in savings asks if he should do a Roth conversion. Finally, a caller nearing retirement asks what he should look for in a financial advisor.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Rolling a truck through a loophole.
<p>On this week’s Money Matters, Scott and Pat discuss the reasons why Special Purpose Acquisition Companies can be ripe for fraud, and why one electric vehicle maker is now charged with defrauding investors.</p> <p>Scott and Pat advise a daughter, who is the executor of her parents’ trust, about how to invest $350,000 of their savings. A mother asks how future legislation could affect her son’s ability to inherit her $1 million home. Scott and Pat speak with a caller who owes the IRS $100,000 in back taxes and wants to know how to make a “compromise offer.” A retired caller asks how to invest $500,000 before the next stock market crash. Finally, a recent college graduate asks about the difference between ETFs and mutual funds.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p> <p> </p>
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A half-trillion-dollar wipeout
<p>On this week’s Money Matters, Scott and Pat discuss China’s crackdown on technology and education companies and how that hurts American investors. </p> <p>Scott and Pat advise a caller inheriting $600,000 who wants to know how he should invest the money to help his grandchildren and a favored ministry. A man with $2.5 million in savings asks if he can afford to retire comfortably and still maintain his standard of living. A retired caller who saved $1 million in traditional IRAs asks if a Roth conversion is a smart move. Finally, a saver who is helping his mother and sister financially asks when he should take Social Security.</p> <p>Ask a question by emailing Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Buy, borrow, die
<p>On this week’s Money Matters, Scott and Pat discuss how company founders borrow against their stock to live tax-free, why some ordinary investors attempt something similar, and the reason these strategies often go awry.</p> <p>Scott and Pat advise a caller selling a property worth $550,000 and looking to save on taxes. A caller asks if she should sell a rental worth $400,000 because the real estate market is hot. A grandmother asks if a 529 Plan is the best way to save for her grandchildren’s education. Scott and Pat speak with a 49-year-old man if he wants to retire at age 55. Finally, a caller nearing retirement asks if cashing in his paid time off will trigger significant tax consequences. </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The 2% plummet
<p>On this week’s Money Matters, Scott and Pat discuss the stock market’s recent turbulence and how the media can sensationalize minor price swings.</p> <p>Scott and Pat advise a man on how to handle 401(k)s worth $125,000 that were awarded to him from a divorce settlement. A caller is the executor of her brother’s estate and asks how she can access his Thrift Savings Plan with little documentation. A caller leaving California asks how he can avoid capital gains taxes on the sale of a home worth $550,000. A man asks how he can recover a 401(k), worth $40,000, that he lost track of decades ago. Finally, Scott and Pat advise a caller with $2.5 million in cash on what questions he should ask a financial advisor.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Deciding when to sell an asset.
<p>On this week’s Money Matters, Scott and Pat discuss the one question to ask yourself if you’re struggling to decide whether to hold or sell an asset.</p> <p>Scott and Pat advise a retired caller in Florida, with $4.1 million in savings, about how he can determine a safe withdrawal rate. A California man asks if he should pay down his $148,000 mortgage balance with his 401(k) money. A caller asks how he should invest $1.1 million for his daughters. Finally, Scott and Pat speak with a woman in Texas who asks if she can collect Social Security based on her ex-husband’s record.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Learning from your investment history
<p>On this week’s Money Matters, Scott and Pat discuss how your experience investing during the pandemic can help guide future financial decisions.</p> <p>Scott and Pat advise a pilot with $1.6 million in savings about whether he can retire comfortably at age 65. A father in his late 50s asks how he should save for his son’s private high school education. A young man in Argentina asks if he owes taxes after taking early Roth IRA distributions. Finally, Scott and Pat speak with a caller looking to lower his mortgage rate.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The myth of “unleashing” home equity
<p>On this week’s Money Matters, Scott and Pat answer why using your home’s equity for other investments can come back to bite you.</p> <p>Scott and Pat advise a 64-year-old caller with $3.3 million in savings who wants to know if he should do a Roth conversion to save on his future tax bill. A re-married man who is selling his house asks how he should invest the $100,000 expected from the sale. A retired man wants to know if he should use dividend stocks to make payments on a $330,000 mortgage. Finally, a woman who recently moved to San Diego wonders how she should pay for a home worth $800,000. </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Quantitative easing and interest rates
<p>On this week’s Money Matters, Scott and Pat revisit some of the best calls from the year before moving on to discuss the long-term impact of the Federal Reserve’s quantitative easing program.</p> <p> </p> <p>Scott and Pat advise a 401(k) saver who is considering reducing her investment risk because of high stock valuations. A soon-to-be retiree asks if she should cancel her life insurance policy. A caller asks if he can afford a condo in Thailand. Scott and Pat advise a caller with $760,000 in retirement savings about how to pay home improvement expenses. A military service member wants to know if she should purchase four years of airtime on her pension. Finally, Scott and Pat speak with a caller who put the home of his 103-year-old mother-in-law in his name and wants to know if he’s on the hook for capital gains.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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When the ducks quack...
<p>On this week’s Money Matters, Scott and Pat discuss the fundamental problems with cryptocurrencies, and Special Purpose Acquisition Companies, and why speculators continue to rush toward them.</p> <p>Scott and Pat advise a father who is considering giving a home worth $295,000 to one of his three daughters. A caller with $900,000 in savings asks if he can afford to retire. A parent saved $60,000 in his daughter’s UTMA account and asks how she should take the money out in a tax-efficient manner. A retiring baker asks how he should go about selling his small business. Finally, Scott and Pat advise a federal government employee, with $900,000 in a TSP, about where else she can save.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p> <p> </p>
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Taking care of your pets and your finances
<p>On this week’s Money Matters, Scott and Pat discuss why people actually have an easier time taking advice about their pets than for themselves.</p> <p>Scott and Pat advise a caller who wants to know how she should handle a $2 million inheritance. A great saver asks if he should put his marginal dollars toward investing or paying down his law school debt. A government employee who saved $500,000 in a 457 plan asks if he should transfer his savings into an annuity. A caller asks how to handle an estimated $70,000 from a property sale. Finally, Scott and Pat advise a caller about what to do with a cash balance pension account.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Vetting your financial advisor
<p>On this week’s Money Matters, Scott and Pat discuss how clients can research their financial advisor’s background and why it’s so important.</p> <p>Scott and Pat advise a fiscally conservative retiree, with $1.4 million in savings and 8 percent in equities, about his long-term investments. A caller asks how she should invest the money in her Health Savings Account. An employee for the State of California asks how she should collect her pension. Finally, a man who “accidentally retired” at age 45 asks if he can live comfortably with $2.4 million in savings.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The best calls from recent programs
<p>On this best-of Money Matters, Scott and Pat revisit some of the most popular calls from recent broadcasts.</p> <p> </p> <p>Scott and Pat advise a United States Marine Corp veteran about how to pay for college for his children using a 529 Savings Plan. Next, they advise a repeat-caller who needs investment guidance after his wife took her successful company public. Scott and Pat then advise a caller seeking to consolidate a 457 with an IRA. Next, a couple is interested in the mechanics of a reverse mortgage, followed by a concerned daughter who wants guidance regarding a $600,000 inheritance. Lastly, a caller wants to help her niece and nephew refinance a tricky mortgage.    </p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Stock picking and coin flipping
<p>On this week's Money Matters, Scott and Pat discuss the key reasons why popular investment fund managers have trouble repeating stellar returns.</p> <p>Scott and Pat advise an attorney in California with $430,000 in retirement savings about how he should invest for the long-term future. A caller who is retiring at the end of the month asks how he should handle a trust. Finally, a caller with a family income of $210,000 and $300,000 in savings asks if she can afford to retire at age 56.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Volatility returns to the stock market
<p>On this week's Money Matters, Scott and Pat discuss why they are concerned about the fact that more savers are pouring money into speculative investments, including cryptocurrencies and SPACs.  </p> <p>Scott and Pat advise a caller, with $1.5 million in savings, on the practicality of retiring in his 50’s. A public employee asks how she should take her pension. A retired caller wants to know why her financial advisor is choosing her allocations based on a Monte Carlo simulation. Finally, a father of two asks if he should continue to save in his children’s 529 plan, worth $83,000.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Cryptocurrency and Greater Fools
<p>On this week's Money Matters, Scott and Pat discuss Dogecoin’s mind-boggling rise and why the increased speculation on cryptocurrencies parallels the dot-com boom.</p> <p>Scott and Pat advise a retired caller who wants to know if selling stocks will affect her Medicare premiums. A caller with $930,000 saved for retirement asks if she should do a Roth conversion. A man with a $72,000 mortgage wants to know if he should pay down the balance early. A retired firefighter with $5.2 million in savings asks if he can afford a $1 million Miami condo. Finally, two callers at the start of their careers want to know how they should save for retirement.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The challenge of tax planning.
<p>On this week's Money Matters, Scott and Pat discuss who should prepare for future tax changes before interviewing Andy Stout, a CFA and the CIO of Allworth Financial, about SPACs, inflation, and the challenge of following a disciplined investment strategy in a bull market.</p> <p>Scott and Pat advise a caller who wants to put 10% of his investment portfolio into gold and silver. A caller with three rentals asks how he can lower his capital gains taxes if he sells a property. A man with a family income of $160,000 asks if he should make a Roth conversion. An investor in his 30’s asks how to save for retirement independently. Finally, a caller asks how he can find out how much he’s paying in investment fees.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Retirement planning when life happens
<p>On this week's Money Matters, Scott and Pat discuss how good financial plans adapt to the ups and downs of life, and take calls about money and retirement.</p> <p>Scott and Pat advise a 24-year-old investor, with $30,000 saved in cryptocurrency and living with his parents, about investing for the long-term future. A mother asks how she can smooth out income from oil royalty contracts and efficiently pass savings to her children. A caller turned her $1.5 million house into a rental and asks if she should sell it before capital gains taxes rise. A man with $2.1 million in savings and a $7,600 monthly pension asks if he’s ready to retire now. Finally, a caller asks if he should place his investments in an LLC to save on taxes.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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This too shall end.
<p>On this week's Money Matters, Scott and Pat discuss the challenge of rebalancing your investments when the stock market has performed well.</p> <p>Scott and Pat advise a conservative investor who asks how to handle the proceeds of a maturing CD. A caller asks how he should take an $845,000 pension and pay down his mortgages totaling $967,000. A man with a family income of $500,000 asks if he should make a Roth conversion. Finally, a college student asks Scott and Pat if he should save money by living with his parents after graduation.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Ballooning national debt and the risk to retirees
<p>On this week's Money Matters, Scott and Pat discuss the reasons why America’s rapidly growing debt could hurt retirees.</p> <p>Scott and Pat advise a caller with $3 million in savings about keeping a long-term care insurance policy. A retired public employee asks how the Windfall Elimination Provision will affect his Social Security benefit. A caller with $4 million in retirement savings asks if he needs an annuity. Scott and Pat speak with a duplex owner, making $130,000 a year, about potentially selling his property. Finally, a caller asks if he should invest in cryptocurrency.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The allure of a risk-free retirement
<p>On this week's Money Matters, Scott and Pat discuss the unsavory ways some financial advisors are promising to help investors “retire without risk.”</p> <p>Scott and Pat advise a caller with $3 million in his 401(k) who asks if he needs to make his investments more conservative. A mother asks how her son should handle Restricted Stock Units. A caller asks if he’s on the hook for capital gains taxes after selling a condo that previously belonged to his 103-year-old mom. Finally, Scott and Pat speak with an Air Force veteran who wants to know if he should buy another rental property with the $500,000 he has in the bank. </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Could Tesla become a Blockbuster?
<p>On this week's Money Matters, Scott and Pat discuss the long-term problems with “momentum investing,” and why Blockbuster is a good illustration of the potential downfall of today’s hot stocks.</p> <p>Scott and Pat advise a caller, who owes $550,000 on his mortgages, about whether he should convert his primary residence into a rental. A caller with $760,000 in his 401(k) asks if he can create a $100,000 fund for home renovations and vacations. Scott and Pat speak with a hospital employee, with a family income of $240,000, who wants to save on future tax bills. A man asks if his wife should take Social Security at age 62. Finally, a Minnesota caller asks if a gold-backed debit card could help protect his savings.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The swings and fascinations of this year’s financial markets.
<p>On this week’s Money Matters, Scott and Pat discuss new investment schemes and shiny object scams that are good for TV ratings but will likely end poorly for most investors.  </p> <p>Scott and Pat advise a caller about how to invest the equity proceeds from a company sale. A man asks if selling his mutual funds to buy exchange-traded funds (ETFs) makes sense from a tax perspective. A long-time listener wonders whether she should pay off the remaining portion of her home loan or refinance. A 73-year-old woman wants to know if she should migrate her two mutual funds to broaden her portfolio. A 55 year-old-man man just sold a townhouse in Silicon Valley and wants to invest $1.2 million in proceeds.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The so-called relief bill
<p>On this week's Money Matters, Scott and Pat discuss the potential long-term consequences of the $1.9 trillion stimulus package.</p> <p>Scott and Pat advise a caller on how to invest the proceeds from a maturing CD. A 32-year-old woman, who makes $90,000 a year, wants to retire early, and asks if she should prioritize investing in a 401(k) or a brokerage account. A man wants to know if he can use $100,000 from his 401(k) to buy a condo in Thailand. A new grandmother asks how she can invest for her grandkids.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Silicon Valley wages in rust belt towns.
<p>On this week's Money Matters, Scott and Pat discuss why more cities are paying remote workers to relocate.</p> <p> </p> <p>Scott and Pat advise a Colorado man with $620,000 in savings who wants to know if he should use a reverse mortgage to buy a home. A caller netted $500,000 from a property sale and asks if he should use the money to pay down his mortgage. A San Diego caller in her 20s who makes $94,000 a year wants to know if she should save to buy a home. Scott and Pat then speak with a man who wonders if he needs a fee-based financial advisor. Finally, a caller asks when the next market crash will occur.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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There is no silver bullet investment.
<p>On this week's Money Matters, Scott and Pat discuss an alleged $1.8 billion Ponzi-like scheme and how unsuspecting investors lost their retirement savings.</p> <p> </p> <p>Scott and Pat advise a South Carolina caller who asks if he should make a 20% down payment on a house when interest rates are low. A caller asks if he should pay for a bathroom remodel by selling stocks or using a HELOC.  Scott and Pat speak with a caller concerned about the future of bonds. Finally, A former trader, who initially had $800,000 invested in Apple, asks if long-dated call options will help protect his investment.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The SPAC Boom
<p>On this week's Money Matters, Scott and Pat explain the surge of Special Purpose Acquisition Companies and how it could transfer even more wealth from the middle class to Wall Street.</p> <p>Scott and Pat advise a Colorado woman with 75% of her retirement savings in equities, who asks if her investments are too aggressive. A military veteran asks if she should purchase four years of service credit for $45,000. Scott and Pat speak with a caller who asks if he should pay down his mortgage balance of $50,000 early. Finally, a caller asks about the tax implications of owning qualified small business stock and restricted stock units.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The costs of free stock trading
<p>On this week's Money Matters, Scott and Pat discuss the free stock trading boom and who will ultimately get hurt.</p> <p>Scott and Pat speak with a father who wants to help his son by renting a house that his child purchases. A caller asks how he and his fiancé can lower capital gains taxes on two home sales. Finally, a man with a vacation home worth $550,000 asks if he should pay down the mortgage with cash from his IRA.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The right and wrong ways to refinance
<p>On this week's Money Matters, Scott and Pat discuss the scenarios where refinancing a mortgage could hurt your retirement.</p> <p>Scott and Pat advise a California public employee about when he should take his $735,000 pension. A caller asks if she should cancel her $650 annual premium term life insurance policy. A man asks if the government will eventually tax Roth distributions. A daughter asks how her 86-year-old mother should handle a $647,000 inheritance. Finally, Scott and Pat speak with a husband who wants to know when his wife should take Social Security.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Mortgaging the future
<p>On this week’s Money Matters, Scott and Pat discuss how listeners can plan for Social Security’s funding crisis, the impact of low-interest rates on public pensions, and what rising government debt could do to our future economy. </p> <p> </p> <p>Scott and Pat advise a mother of triplets about how her children should invest gifts of $13,000 from their grandmother. A 33-year-old law enforcement officer asks how Social Security’s Windfall Elimination Provision could affect his future benefit. A caller asks if he should invest in passive or actively managed funds. Finally, Scott and Pat speak with a 24-year-old Coloradan who racked up $42,000 in debt and wants to know how he should handle the loans.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p>
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Lack of opportunity and disposable income
<p>On this week’s Money Matters, Scott and Pat discuss one of their favorite tax-savvy investment strategies and the key factors driving this bull market.</p> <p>Scott and Pat advise an investor who wants to track his tax obligations on Roth conversions. A Seattle man asks how he can encourage his 61-year-old sister to start saving for retirement. A mother wants to know if her daughter, a student in medical school who overestimated how much she would need for tuition, should return approximately $17,000 that she overborrowed. Scott and Pat speak with a public employee in Illinois who asks how he should consolidate a 457-plan worth $180,000, and an IRA worth $30,000.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Free money and no-interest mortgages
<p>On this week's Money Matters, Scott and Pat discuss how low-interest rates are driving the market and why a Danish bank is offering 20-year mortgages at 0%.  </p> <p>Scott and Pat advise a marine who wants to save money for his six grandchildren. A Sacramento caller making $110,000 a year asks if he should continue to rent or if he should buy a home. A mother in California asks how Prop 19 will affect her plan to pass her house on to her children. Finally, Scott and Pat speak with a New York caller who wants to help her nephew refinance his $85,000 mortgage.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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You cannot time the market
<p>On this week's Money Matters, Scott and Pat discuss the stock market’s perplexing surge, how bubbles have historically formed, and how disciplined investors can respond in the meantime.</p> <p>Scott and Pat advise a law enforcement officer, with a yearly family income of $138,000, about when he can retire. A public school counselor is starting an e-commerce business and asks how she should form her company. Finally, a caller who was recently diagnosed with cancer asks how she can plan for her financial future.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Big financial resolutions versus incremental changes
<p>On this week's Money Matters, Scott and Pat discuss things you can do to improve your finances right from the beginning of the year, and then look back at some of the best calls from 2020.</p> <p>Scott and Pat advise a mother who wants to help her son save in an IRA. A caller asks if she should continue re-allocating her savings after having purchased $3,000 worth of bonds back in March. A man concerned about the national debt asks if he should invest in precious metals. Scott and Pat speak with a caller who cashed out his 401(k) before the market dropped and asks how he should re-invest. A caller who was recently laid off asks how he should handle his $1.7 million in savings. Finally, a California man asks if a $300,000 home equity loan advertised as “no-cost, no-fee” is too good to be true.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The heartwarming calls from 2020
<p>On this week's Money Matters, Scott and Pat look back at calls from listeners looking to give back, start new businesses, and help their families.</p> <p>Scott and Pat advise a single mother about saving money for her three children. A military veteran asks how he can gift a Required Minimum Distribution to his younger wife. A recent college graduate asks how he should invest $45,000. Scott and Pat speak with a charitably inclined caller who wants to know how the CARES Act affects his donations and tax deductions. A Rockland caller asks how he can help his aging parents living on $3,300 a month. Finally, a caller leaving his federal government career to start a new business asks if he should contribute to a Roth IRA. </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Where Donor Advised Funds are helping.
<p>On this week's Money Matters, Scott and Pat discuss the promising ways that charitable giving changed in 2020.</p> <p>Scott and Pat advise a caller concerned about means testing who wants to know when he should collect Social Security. A Utah man with $340,000 saved from a home sale asks if he should use the money to pay down the mortgage on another new home. A mother with $2 million in a 401(k) asks how she can create a tax-efficient inheritance for her daughter. Scott and Pat advise a South Carolina man about buying a second rental property. Finally, a caller asks how she can help her daughter save $12,000.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Why we’re donating $1 million to help foster children.
<p>On this week's Money Matters, Scott publicly discusses his experience as a foster parent for the first time. Scott and Pat then announce a new philanthropic endeavor called Allworth Kids, which will encourage people to help foster children, and includes a company-wide campaign to donate $1 million to the Ticket to Dream Foundation.</p> <p>Scott and Pat advise a single father who wants to know if he should buy more life insurance or invest in the stock market to help his two daughters. A retired caller recently moved to Eugene, Oregon, and wants to know if she should buy a house for $400,000 in cash or take out a mortgage. Finally, a Mount Shasta caller asks if he should use his deferred compensation to buy an annuity.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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When stock prices grow faster than earnings…
<p>On this week's Money Matters, Scott and Pat discuss end-of-year tax planning considerations in this uncertain political season, along with the reasons why they aren’t celebrating higher stock prices just yet.</p> <p>Scott and Pat advise a California caller about a $36,000 Roth conversion. A father of three moved his family in with his in-laws and asks when he should buy a new home. A caller who is used to saving money asks how to feel comfortable spending in retirement. Finally, Scott and Pat advise a cancer survivor on how to invest $10,000.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A savings method that you may miss
<p>On this week's Money Matters, before taking your calls, Scott and Pat discuss the hidden benefits of Health Savings Accounts.</p> <p>A Minnesota caller who’s been laid off asks if he should use some of the $400,000 in his 401(k) to pay down his mortgage. Scott and Pat advise a Colorado man about the taxation of his restricted stock units. A man asks how he can steer his friend away from a suspicious investment with a promised return of 21% per year. A caller asks if civil unrest and wildfires will affect insurance companies' ability to pay annuity benefits. Finally, Scott and Pat speak with a 55-year-old caller making $43,000 a year who has saved $500,000 and wants to know if he’s on track for a comfortable retirement.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Financial advice from California to Guam
<p>On this week's Money Matters, Scott and Pat discuss new bi-partisan retirement legislation making its way through the United States Congress, and then take listener questions from around the globe.</p> <p>Scott and Pat speak with a California state employee looking to save an additional $2,000 per month. A 58-year-old man asks how he should handle restricted stock options worth $300,000. Scott and Pat advise a caller on the differences between saving in a Roth and a traditional 401(k). A Cupertino caller asks if his 4.99% adjustable-rate reverse mortgage has a negotiable interest rate. Finally, a caller in Guam asks if she should refinance her existing mortgage before she moves to the states in a few years.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Are you smarter than the market?
<p>On this week's Money Matters, Scott and Pat discuss the new ways that traders are trying to outsmart the broad stock market and the fundamental truths if you try to do so.</p> <p>Scott and Pat advise a California man, with a net worth of $5.3 million, about his health insurance options if he retires early. A 71-year-old caller asks how she should invest $100,000 from a home sale. Scott and Pat speak with a man who asks if he should save in a backdoor Roth IRA. Finally, a caller nearing retirement asks how he can plan for income from multiple sources.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Politics, your investments, and what really matters
<p>On this week's Money Matters, Scott and Pat interview Andy Stout, CFA, the Chief Investment Officer of Allworth Financial. They have a wide-ranging conversation about the presidential election, following a disciplined investment strategy, and the economic forces more important than the politician sitting in the Oval Office.</p> <p>Scott and Pat advise a Cincinnati caller trying to help his 92-year-old mother cash out annuities worth $320,000. A Colorado man asks if he can save $19,500 a year in his 401(k) so he can collect a full Social Security benefit while working. Finally, Scott and Pat speak with a Sacramento woman who asks if she can afford to take a few years off work to care for her grandchild.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Ambient emotions and your financial decisions
<p>On this week's Money Matters, Scott and Pat discuss the ways that temporary pandemic stress can affect your long-term financial decisions.</p> <p> </p> <p>Scott and Pat advise a caller with $10 million in savings about how he can gift his assets and lower his tax bill. A Cincinnati caller making $150,000 a year consulting asks if he should expect means testing on his Social Security benefit. A California man with $875,000 in retirement savings asks if a Roth conversion is a smart move for his situation. Scott and Pat speak with a soldier in Hawaii looking for ways to save outside of his TSP. Finally, a California woman asks if she should sell her rental worth $400,000.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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A Fool’s Game
<p>On this week's Money Matters, Scott and Pat discuss the challenges of making financial decisions with aging parents and speak with several callers concerned about the presidential election impacting their investments.</p> <p> </p> <p>Scott and Pat advise a California man with $1.5 million saved about a potential Roth conversion. A caller asks if he should convert some of the money in his 401(k) to cash before the presidential election. A retired caller asks if his wife should claim her Social Security benefit at age 62. A caller invested in target-date funds asks if a financial advisor is worth their fees. Finally, an 83-year-old tap dancer asks if she should buy an annuity for $300,000.</p> <p> </p> <p>Click <a href='https://allworthfinancial.com/workshops'>here</a> to register for our 7 Personal Decision Points virtual retirement planning workshop.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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The early retirement “choice.”
<p>On this week's Money Matters, Scott and Pat discuss the pandemic's uneven economic effects and the reason why the cost of refinancing a mortgage will rise soon.</p> <p>Scott and Pat advise a Colorado investor who, just before the market crash back in March, put half of his portfolio into energy stocks. (He wants to know if he should pull out of the market now.) A 62-year old caller with a $90,000 annual income wants to know when she should file for Social Security. Finally, a retired logistics manager with $4.6 million saved wants to know how he can lower his taxable investment income.   </p> <p>Click <a href='https://allworthfinancial.com/workshops'>here</a> to register for our 7 Personal Decision Points virtual retirement planning workshop.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Is COVID-19 changing the way you think about money?
<p>On this week’s Money Matters, Scott discusses his experience contracting COVID-19. Scott and Pat also take several calls from investors who are considering changing their financial strategies based on the headlines.  </p> <p>Scott and Pat advise a Denver man who has 50% of his savings in Real Estate Investment Trusts and is considering selling his REITs. A caller put 95% of her retirement savings into government bonds in March and asks how she should reenter the stock market. Scott and Pat speak with a Charlotte woman who owes $360,000 on her mortgage and asks if she should try a velocity banking technique. Finally, a proud market timer asks if he should exit the market before the election.  </p> <p>Click <a href='https://allworthfinancial.com/workshops'>here</a> to register for our 7 Personal Decision Points virtual retirement planning workshop.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Calls about the pandemic and possible new retirement goals
<p>On this week’s Money Matters, Scott and Pat look back at a few memorable calls from the height of the pandemic, before discussing some of the key reasons why more Americans want to work after retiring.</p> <p> </p> <p>Scott and Pat speak with a caller concerned about putting the proceeds from a land sale into the market. A 73-year-old caller sold off the majority of his stocks and bonds and asks if he should repurchase his investments now that they are performing better. Scott and Pat advise a caller who left his job and asks how he should handle his old 401(k). A single mother wants to pull $70,000 of equity from her home to help her children pay for college. Finally, a Colorado caller inherited 25 ounces of gold and wants to know what he should do with the bullion.</p> <p> </p> <p>Click <a href='https://personal.vanguard.com/pdf/assessing-value-advice.pdf'>here</a> to read the Vanguard study Scott and Pat reference in the show.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Day traders, options, and a soaring stock market
<p> </p> <p>On this week’s Money Matters, Scott and Pat discuss how options and online traders are boosting stock prices, and how that trend may end.</p> <p> </p> <p>Scott and Pat advise a mother looking for more ways to save for her children’s future, while one son makes $30,000 a year selling Goldendoodle puppies. A caller asks if his mother should take her spousal benefit from Social Security while she is still working. A man holding international bonds yielding 5% per year asks if he should sell his investment. A caller who saved $1 million in a 403(b) asks if he should buy a rental property. Scott and Pat speak with a caller in Northern California looking for investments that provide safe retirement income. A caller asks if he should sell a universal life insurance policy he purchased in 1987. Finally, a caller asks if an annuity will help create the $7,000 he needs in monthly retirement income.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Are we in another dot-com bubble?
<p>On this week’s Money Matters, Scott and Pat discuss the Snowflake IPO, high valuations, and how to protect your retirement through the market’s ups-and-downs.</p> <p> </p> <p>Scott and Pat advise a Santa Cruz caller looking to refinance his $1 million mortgage with some of the $2.7 million in his family’s savings. A conservative investor is inheriting $350,000 and asks how she should save. Finally, a 33-year-old mother with three properties asks if she should sell one of her rentals.</p> <p> </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p> </p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Rising home prices and negotiable rents
<p>On this week’s Money Matters, Scott and Pat discuss real estate market trends and some concerning long-term economic risks.</p> <p>Scott and Pat advise a man in Northern California, making $70,000 a year, about a potential Roth conversion. A caller who owes $150,000 on his mortgage asks if he should pay off the balance with money from his 401(k). A California woman asks if she should buy additional rental properties. Scott and Pat speak with a caller in Loveland, Colorado, earning $200,000 a year, and seeking to lower her taxable income. Finally, a golfer asks if a fixed annuity will help diversify his investments.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Clarity returns to the stock market
<p>On this week’s Money Matters, Scott and Pat explain how the recent stock market dip could benefit long-term investors. They also break down the essential differences between a financial advisor and a financial planner.</p> <p>Scott and Pat advise a caller considering the potential pitfalls of a no-cost, no-fee $300,000 loan. A recently widowed caller asks how she should handle a $200,000 windfall from selling a house. Finally, a military veteran, who saved $2.8 million, asks if he should pay off his mortgage early.</p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Using your home’s equity
<p>On this week’s Money Matters, Scott and Pat take several calls from listeners looking to refinance their mortgages.</p> <p>Scott and Pat advise an airline mechanic considering refinancing his $1 million home to buy another rental property. An Atlanta man owes $196,000 on his $500,000 house and is looking to use its equity for income during his job search. A woman in Wichita, Kansas, with a net worth of $500,000, is considering a second home in Florida. A California caller asks if he needs additional insurance on his home’s title. Finally, Scott and Pat advise an Illinois retiree who is unsatisfied with his relationship with his current financial advisor.  </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Making sense of today’s stock market
<p>On this week’s Money Matters, Scott and Pat interview Andy Stout, CFA and Chief Investment Officer of Allworth Financial, about the stock market breaking record-highs during a pandemic, and the importance of creating a disciplined investment strategy.</p> <p>Scott and Pat advise a California caller, with $540,000 saved, who is considering a Roth conversion. A public school teacher also asks if he should purchase service credit in his pension for $63,000. </p> <p>Ask a question by clicking <a href='https://allworthfinancial.com/talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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Is gold an investment or a commodity?
<p>On this week’s Money Matters, Scott and Pat discuss the problems with using gold as a long-term investment.</p> <p>Scott and Pat advise a Sacramento caller concerned about the taxes on an inherited property worth $130,000. A Colorado engineer asks if he should collect Social Security and continue to work. Scott and Pat speak with a caller who wants to invest in a commercial real estate investment trust. A mother asks how she should pass her house deed to her children in an estate plan. Finally, a retired police officer in California asks if she should move to a low-tax state.</p> <p>Ask a question by clicking <a href='../../talk-to-scott-and-pat-on-air'>here</a>, or email Scott and Pat at <a href='mailto:questions@moneymatters.com'>questions@moneymatters.com</a>.</p> <p>Download and rate our podcast <a href='https://podcasts.apple.com/us/podcast/allworth-financials-money-matters/id973286179'>here</a>.</p>
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