Podcasts about money matters

Can you retire early with private equity, direct indexing, and a mega backdoor Roth? In this episode of Money Matters, Scott and Pat help one investor weigh big decisions—from helping adult children buy homes to managing portfolio risk—before an aggressive retirement. Then, they follow up with a high-income saver who put their "mega backdoor" advice into action and is now looking at direct indexing for better tax efficiency. From choosing the right advisor to making smarter investment moves, early retirement planning means getting the details right. Because a secure retirement isn't just about how much you've saved—it's what you do next. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

GP Money Matters is a series of special bonus episodes of Talking General Practice sponsored by Wesleyan where we look at key personal finance issues that affect GPs.In this episode GPonline editor Emma Bower speaks to Wendy Baillie, a chartered financial planner and regional manager at Wesleyan Financial Services, about how to decode your NHS pension statement, and why taking a closer look at it is vital for your long-term financial planning. Wendy explains what these statements actually tell you, including crucial details on your pensionable pay, service history, and spousal benefits.She also outlines the most common misunderstandings around NHS pensions, how to navigate issues like the McCloud remedy and the annual allowance threshold, what you should be checking annually to spot errors, and when you may need to seek professional guidance.This episode was produced by Czarina Deen.This podcast is intended for general information purposes only and does not constitute financial advice. Individual circumstances may vary.Useful linksTo learn more about the financial considerations discussed in this podcast, you can book an appointment with a specialist financial adviser at Wesleyan Financial Services. Charges may apply. If you want to find out more about Wesleyan following this podcast, you can visit wesleyan.co.uk/gppodcastAbout WesleyanWesleyan Financial Services supports doctors with advice shaped around the realities of the profession.From complex income structures and portfolio careers to the NHS Pension Scheme and retirement options, its Specialist Financial Advisers work closely with doctors every day. Recognised by the NHS as able to give guidance on the NHS Pension Scheme, Wesleyan brings trusted expertise to key financial decisions. Combining financial planning, investment advice and protection, it helps doctors make confident, informed choices.96% of doctors rated their specialist financial adviser as very good or excellent, reflecting a focused service that helps doctors protect their income, grow wealth and plan ahead with confidence.Remember: The value of investments can go down as well as up, and you may get back less than you invest.Wesleyan Financial Services Ltd (Registered in England and Wales No. 1651212) is authorised and regulated by the Financial Conduct Authority. Registered Office: Colmore Circus, Birmingham B4 6AR. Telephone: 0345 351 2352. Calls may be recorded to help us provide, monitor and improve our services to you. Hosted on Acast. See acast.com/privacy for more information.

How do you protect a lifetime of savings when tax laws and changing life goals shift your priorities? In this episode of Money Matters, Scott and Pat explore wealth preservation, from managing concentrated stock positions and real estate decisions to sophisticated tax planning. In this episode: The $5.6M Property Test: Scott and Pat analyze a caller's plan to carry three homes in retirement. They discuss “carry risk” and why even a $5.6 million net worth doesn't automatically justify expanding a real estate portfolio. Savings Trade-Offs at 52: A caller asks how to balance college costs for two children with the long-term goal of maximizing 401(k) contributions and Roth IRA savings. Managing Concentrated Stock: Tom Kaiser, Allworth's Director of Equity and Option Management, explains how options strategies such as collars can help protect concentrated positions without immediately selling appreciated stock and realizing capital gains. Step-Up in Basis: Scott and Pat explain how this powerful tax provision can reduce or eliminate unrealized capital gains on inherited assets—and why it can play an important role in wealth preservation and estate planning. For investors who have accumulated significant assets, wealth preservation isn't simply about avoiding risk. It's about understanding the trade-offs between taxes, spending, investments, and the legacy you ultimately want to leave. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

Send us Fan Mail Marketing gets weird fast when you treat it like a trick. The moment you treat it like a relationship, everything changes. I sit down with Adam Torres, a longtime media operator and interview host approaching 7,000 conversations, to talk about what actually makes a message stick when the internet is loud and attention is expensive. We dig into the biggest misconception people carry when they start a business, a podcast, or a personal brand: thinking you need the perfect voice before you begin. Adam shares why you need a real starting point, plus the humility to adjust as you learn. He tells the story of a bold rebrand from “Money Matters” to “Mission Matters” and what that pivot taught him about values-led marketing, audience trust, and building something you can stand behind for years. From there, we get practical about growth. We talk listener-first marketing, creating offers based on repeated demand, and the long game of getting better through reps even when you feel awkward on camera or your campaign flops. Adam also explains the “worst win” in business: succeeding at something that is off-brand and leaves you stuck. If you want a clearer message, better content marketing, and a more authentic way to grow without burning out, hit play. Subscribe, share this with a friend building something, and leave a review with your biggest takeaway. Connect With the Guest: Instagram: https://www.instagram.com/askadamtorres/ Book: 1 Billion Podcasts: The Future of All Media (free download via Instagram link) Website: https://1billionpodcasts.com Company: https://missionmatters.com YouEx Get 50% off the first 6 months of YouEx.ai! Extraordinary People LLC All free so we can get to know each other! The Kloaked Signal Select for pre-order discount 10% | Code: podfans10 Elizabeth Pritchard Offer: Mention Healthy Mind Healthy Life Podcast & receive 10% off the next course. | Code: AL10Disc The Yielding Warrior Offer: Free book just pay for shipping | Code: TYW Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Want to Be a Guest on Healthy Mind, Healthy Life?

Are you determined to finally get on top of your finances once and for all?For many, looking at your bank account is something you dread, but how should we best manage what's coming in and what's coming out?For this edition of Money Matters, Andrea is joined by Paul Merriman of Ask Paul to discuss everything you need to know about mortgage interest rates and their impact!

Are you prepared for the complexities of a high-value retirement? In this episode of Allworth's Money Matters, Scott and Pat break down real-world case studies for a $3M+ retirement, specifically focusing on the math behind long-term care, the tax implications of early inheritances, and a powerful framework for tax efficiency known as the "3 C's." In this episode, Scott and Pat discuss: The Long-Term Care Dilemma: They analyze a $3.7M case study where the caller is retiring abroad. Does she actually need long-term care insurance, or can she "self-insure"? Scott and Pat explain the "elimination period" strategy that could save thousands in premiums. Managing Early Inheritances: Using a $3.3M case study, Scott and Pat explore the pros and cons of buying a home for your children. They discuss how to manage early inheritances without creating family "real estate wars" or triggering unnecessary IRA taxes. The "3 C's" Strategy: Allworth partner advisor Ben Abraham joins the show to reveal a strategy for maximizing tax efficiency by balancing stock concentration and charitable giving to fuel massive Roth Conversions.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Africa Melane speaks to Sean Kelly, Director at Parity Wealth Managers, about the two-pot retirement system and whether South Africans should consider making a withdrawal during the 2026/27 tax year. They unpack how the system works, how much you can access, the tax implications and the potential long-term impact on your retirement nest egg. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Jared Freid sits down with comedian Jourdain Fisher to talk comedy, religion, family, relationships, and his new comedy special, Bits and Pieces. They also talk

We connect the digital divide to real financial consequences, from job access and school success to budgeting tools that assume you have a laptop at home. Nicole Fitzgerald from CACRC shows why “being disconnected” costs more than dollars and how refurbished computers can change a family's future. • why a laptop or desktop still matters in 2026 • what the digital divide means beyond a cell phone • hidden costs of relying on libraries for computer access • how online banking and budgeting apps change money habits • why seniors often need larger screens for financial tasks • CACRC's approach to recycling electronics and refurbishing devices • real success stories of jobs gained and stability restored • ways to donate electronics, give money, or volunteer in Louisiana Subscribe to the Money Matters Podcast, and visit neighborsfcu.org slash financial wellness for more tools to help you build a strong financial future. Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

A year ago we answered the question on whether stablecoins will put banks out of business. New information over the last year begs that this question be revisited. Hear Chad P. Wilson's thoughts in this episode of Money Matters.  This episode was recorded on August 10, 2026 by Chad P. Wilson of Foundation Bank.

GP Money Matters is a series of special bonus episodes of Talking General Practice sponsored by Wesleyan where we look at key personal finance issues that affect GPs.In this episode GPonline editor Emma Bower speaks to Wendy Baillie, a chartered financial planner and regional manager at Wesleyan Financial Services, about the rise of portfolio careers in general practice and what this means for GPs' finances.New research from Wesleyan reveals that holding multiple roles has become the norm, with over two-thirds of doctors having portfolio careers. Wendy explains the hidden complexities of juggling multiple roles, including the risk of unexpected tax bills, NHS pension headaches and the surprising hurdles GPs face when trying to secure a mortgage.She also offers some practical guidance about to approach your finances holistically to avoid these pitfalls.This episode was produced by Czarina Deen.This podcast is intended for general information purposes only and does not constitute financial advice. Individual circumstances may vary.Useful linksThe research mentioned in this podcast has been commissioned by Wesleyan Assurance Society and you can visit wesleyan.co.uk/portfolio-careers for more information. To learn more about the financial considerations discussed in this podcast, you can book an appointment with a specialist financial adviser at Wesleyan Financial Services. Charges may apply. If you want to find out more about Wesleyan following this podcast, you can visit wesleyan.co.uk/gppodcastAbout WesleyanWesleyan Financial Services supports doctors with advice shaped around the realities of the profession.From complex income structures and portfolio careers to the NHS Pension Scheme and retirement options, its Specialist Financial Advisers work closely with doctors every day. Recognised by the NHS as able to give guidance on the NHS Pension Scheme, Wesleyan brings trusted expertise to key financial decisions. Combining financial planning, investment advice and protection, it helps doctors make confident, informed choices.96% of doctors rated their specialist financial adviser as very good or excellent, reflecting a focused service that helps doctors protect their income, grow wealth and plan ahead with confidence.Remember: The value of investments can go down as well as up, and you may get back less than you invest.'WESLEYAN' is the trading name of the Wesleyan Group of companies. Financial advice is provided by Wesleyan Financial Services Ltd.Wesleyan Assurance Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Wesleyan Financial Services Ltd and Wesleyan Unit Trust Managers Ltd are authorised and regulated by the Financial Conduct Authority. Read more information about the Wesleyan group of companies. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg opens with a market that spent one week terrifying everybody and the next week going up six days in a row. Same headlines, same war, same worries about AI spending. He explains why almost all of it is noise, and why letting that noise decide when you buy and sell is exactly how people end up buying high and selling low. Then Dave, Todd, and Dylan get into what actually drove the move, and it was earnings. Growth across these companies came in near 50% year over year when the street was looking for 20%. We talk about why the memory names sold off anyway, why value has quietly had such a strong year, and the odd standoff where the CEOs sitting on the real numbers keep saying spend more while investors keep saying stop. Somebody is wrong. Todd also explains AI agents in a way you will actually remember, with a desk, a pile of Post-it notes, and a filing cabinet underneath. That one picture tells you which parts of the computer this whole build out is going to need next, and it is not the part everybody talks about. There is more on the jobs report that came in negative and somehow cheered everyone up, copper setting an all time high, gold's big week, Bitcoin as a read on liquidity, and the quiet story of what Japan's interest rates have to do with ours. We spend real time on SpaceX too, since it is the one we get asked about more than anything else, and Dave shares a couple of simple observations he has picked up over the years about when a stock is telling you something and when it is just sitting there. Dean makes his case on Trump accounts as well, and why a grandparent putting in a little each year could be the most valuable thing they ever do for a grandchild. We close with seasonality heading into September and October and an honest conversation about risk tolerance, because the time to find out how much risk you can really live with is not while everything is going straight up. Plus a Tucson fun fact about the year the city decided it needed its very own time zone. If you have never had a real financial plan built for you, we will build one at no cost, whether or not you ever do business with us. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

In dieser Episode nimmt uns Rechtsanwältin Andrea Hodel mit in ihren Alltag – zwischen Gerichtsverhandlungen, Emotionen und ganz viel Geld. Denn eins wird schnell klar: Bei jeder Scheidung geht es am Ende immer auch um Zahlen.Wir sprechen darüber, welche Güterstände es in der Schweiz gibt, welche finanziellen Dinge man während der Ehe unbedingt vermeiden sollte und warum ein eigenes Konto keine Frage von Misstrauen, sondern von Selbstschutz ist.Du hörst in dieser Episode:Ob und wie man sich friedlich scheiden lassen kannWas die häufigsten Streitpunkte bei einer Scheidung sindWas ein Ehevertrag bringt und wann er wirklich Sinn machtWas nachehelicher Unterhalt ist und wer ihn heute noch bekommtWas beim Konkubinat rechtlich nicht abgesichert istWie man sich – ganz legal – auf eine mögliche Scheidung vorbereiten kannMehr von Andrea Hodel:https://www.hodel-partner.ch/Werbung:Sponsorin von Money Matters ist die ⁠⁠Bank Cler⁠⁠. Vielen Dank! Die Bank Cler redet mit dir über Geld – offen und ehrlich. Egal, wie viel du davon hast. Und zwar so, wie's ihr Name verspricht: «Cler» bedeutet im Rätoromanischen «klar, einfach, deutlich». Die Bank Cler macht also deine Bankgeschäfte so unkompliziert und angenehm wie möglich.

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 7 August 2026 with 2CC’s Leon Delaney. The topic is: What is an Exchange Traded Fund (ETF)? In this episode Luke takes a deep dive into ETFs as an investment vehicle, and how it can be used within your […]

In an economy where AI is reshaping the landscape, how should a sophisticated investor respond? In this episode of Money Matters, Scott and Pat are joined by Dr. Apollo Lupescu from Dimensional Fund Advisors to discuss the "AI Ownership Machine" and how to manage portfolio concentration. Plus, Scott and Pat answer a caller's questions on maximizing RSUs and utilizing advanced tax-saving vehicles. What You'll Learn: The "Ownership Machine" vs. Gambling: Learn why shifting your mindset from "betting" on stocks to becoming a part-owner of a business is the key to long-term rational decision-making. AI and Historical Cycles: Understand how the AI revolution compares to the internet and electricity, and why it is more effective to own the entire "field of horses" rather than trying to pick a single winner. Navigating Market Highs: Discover why "time in the market" beats "timing the market," and how systematic rebalancing can help you manage anxiety and risk when the market hits all-time highs. Advanced Tax Optimization: A deep dive into Direct Indexing to harvest tax losses and using Mega Backdoor Roth conversions to maximize tax-free growth for high-income earners. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

In this episode, we unpack tithing, generosity, debt, stewardship, and the prosperity gospel. Join us as we explore how followers of Jesus can honor God with their finances.

What happens when the radiology practice you want to join does not exist? For Dr. Tarang Patel, the answer was to build it himself. In this episode of The Radiology Report, Daniel Arnold sits down with Dr. Patel, a radiologist, U.S. Air Force veteran, founder of Radiology One, creator of the Doctor Money Matters podcast, and founder of the American Radiologists Facebook group. Dr. Patel shares the experiences that shaped his career, from growing up in a physician family and serving in the military to helping doctors navigate personal finance and creating an online community of nearly 8,000 radiologists. The conversation explores what today's radiologists should consider when evaluating job opportunities, why compensation is only one part of choosing the right practice, and what ultimately motivated Dr. Patel to leave an established position and launch a radiologist-owned company. They also discuss the realities of building a practice from the ground up, including technology, credentialing, contracting, recruiting, AI adoption, and creating a model that gives radiologists greater flexibility, ownership, and influence. Dr. Patel closes with practical advice for trainees entering a strong but cyclical job market and explains why asking the right questions today can help build a more sustainable career for the future.

In this episode of Money Matters, brought to you by The Greenberg Financial Group, we unpack one of the strangest weeks the market has handed us in a while. The Dow dropped 1,000 points on Wednesday and took it all back over the next two days, and if you only checked your account on Friday you would think nothing happened at all. The Fed got the blame in the headlines, but the real story was a 25 year old former OpenAI employee whose hedge fund was up roughly 1,500% in two years, ran four times leverage into the memory and data center trade, and got picked apart by other funds once his book became visible. A $40 billion valuation became an $8 billion sale to Citadel. We walk through how forced selling moves an entire market, and why the lesson is not about being right but about staying solvent long enough to find out. Dean opens the show on volatility and why selling into weakness leaves you with the hardest question in investing, which is when you plan to get back in. He also lays out something that separates how we work from most firms. We do not plan for your retirement. We plan for your lifestyle changes, whether that means a $40,000 family vacation every year, a remodel, more travel, or simply never stopping work at all. He walks through what that planning actually covers, from Social Security timing to Medicare costs to how much you can spend each year without running out, and why we hand you the completed plan for free whether or not you ever do business with us. We also get into the capital expenditure fear that has dominated the tape. Meta's free cash flow collapsed and the stock got clobbered 10% despite revenue up 28%. Google went negative on free cash flow for the first time in its history. Then Amazon reported and its CEO talked openly about the profitability of data centers, and suddenly Google popped 7% on Friday. Every hyperscaler CEO is saying go, and investors keep saying stop, which means somebody is wrong. We look at Apple's 9% drop on a memory shortage that is now showing up in laptop and iPad prices, Microsoft's 24.6% month, the buyback restriction lifting at the end of 2026, and why the 30 year Treasury at a 19 year high and mortgage rates at 6.66% may matter more to this market than any earnings report. The second hour takes a different turn. Dean brings in attorney Mike Story, who represents Tucson police officers through their unions and responded at 2:30 in the morning to the mass shooting outside Empire Pizza in downtown Tucson. Mike walks through what actually happened that night, why a single shot from a seven year veteran ended the threat without endangering the crowd behind the gunman, and the question that officer asked him first. Am I going to prison for this. We talk about the shooter's prior gun offense, how that case was handled, what a 30% smaller police force means for a downtown everybody says they want to save, and what it would take to bring it back. We close with SpaceX heading into its first earnings report and the insider lockup expiring days later with 35% of the float sold short, energy leading all S&P sectors with XLE up 35% on the year, an options based income strategy that Todd and Dylan have been researching directly with the portfolio managers for its 60/40 tax treatment, and why Trump accounts may be the most powerful generational wealth tool available to a grandparent right now. Plus a Tucson fun fact about how the University of Arizona ended up here in 1885 because our representative showed up late. Our next free interactive financial planning seminar is Friday, August 21st from 11:30 to 2:00 at La Paloma Country Club. Lunch is included and you will see our full financial planning process start to finish. Register at www.GreenbergFinancial.com under the resource tab. If you have been thinking about taking us up on the free financial plan, this is the kind of clarity it brings. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

In this episode of Allworth's Money Matters, Scott and Pat take a deep dive into two real-world case studies that highlight the critical difference between being sold a product and receiving fiduciary advice. First, they talk with a caller managing a $4.5 million estate who has been pitched a complex whole-life insurance strategy. Then, they address a $1.4 million retirement dilemma involving inherited assets and the "liquidity gap." What you'll learn in this episode: The Whole Life Red Flag: Why insurance "leverage" strategies often benefit the advisor more than the client. Inherited IRA Mastery: How to manage large inherited accounts without triggering unnecessary taxes or penalties. The Truth About Bonds: Why your current bond allocation might be creating a "liquidity trap" for your early retirement. Fiduciary vs. Commission: How to tell if your advisor is building a plan or just making a sale. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

There is a new sheriff in town at the Fed and fireworks could be on the horizon. Hear Chad P. Wilson explain some changes that might be coming and how that will affect your finances in today's episode of Money Matters.  This episode was recorded on July 29, 2026 by Chad P. Wilson of Foundation Bank.

We break down the major student loan repayment changes after the SAVE plan ends and explain what borrowers need to do within the 90-day decision window to avoid default. We share practical ways to choose a plan, reduce stress, and protect your budget, whether you are already repaying or planning for college.• SAVE plan basics and what changes after June 30 • 90-day timeline to choose a new repayment plan • Repayment Assistance Plan payments tied to income • Income Based Repayment and long-term forgiveness rules • Standard repayment and tiered standard options • Why doing nothing leads to default risk • What default can trigger for taxes wages and credit • Public Service Loan Forgiveness eligibility and payment requirements • Deferment versus forbearance and interest impacts • How to find your servicer on studentaid.gov • Advice for future students to borrow only what you need • Grad PLUS changes and updated borrowing limits • Parent PLUS borrowing caps and planning for cost of attendance • Steps after graduation including exit counseling and record keeping • Options for borrowers squeezed by rent insurance and basic bills Stay on track with your financial journey, subscribe to the Money Matters Podcast, and visit neighborsfcu.org slash financial wellness for more tools to help you build a strong financial future.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

In this episode of Money Matters, brought to you by Greenberg Financial Group in Tucson, Dean opens the show with three straight down weeks behind us and a market that has decided every headline is bad news. Google reported negative free cash flow for the first time in company history, investors headed for the exits, and the hyperscalers took it on the chin for spending money on the one thing everybody agrees is the future. We get into why capital expenditure became the fear trade, what $794 billion in projected 2026 spending across Amazon, Alphabet, Microsoft, Meta and SpaceX is actually telling us, and why not one CEO in the industry is calling a top. Dean spends his monologue on volatility and self-knowledge, which is really the same conversation. Memory chips, Intel's foundry buildout in Phoenix, the hyperscalers that keep getting punished for building, and the question every investor has to answer honestly before choosing a portfolio. Where is your stomach on this. He also walks through how ETFs can give you exposure to a volatile group with a smoother ride, and why diversification and risk tolerance still do more work than any single call. From there Dave, Todd, Dylan and Sebastian dig into a week where good news kept getting read backwards. Oracle hit a 52 week low right after signing a ten year, $8 billion Department of Defense contract. Intel posted its biggest revenue jump in 15 years and closed lower anyway. Meanwhile the quiet story of the year keeps going, with the equal weighted S&P 500 running ahead of the headline indexes while everyone watches the chips. We also look at what railroads and shippers like CSX are saying about the real economy, and why a 55 year low in unemployment claims is doing more to hold up interest rates than anything else. The back half is all planning. Hailey Glick joins us to walk through the deductions showing up on 2025 returns under the One Big Beautiful Bill, including no tax on tips up to $25,000, the overtime rules almost everyone gets wrong, the enhanced senior deduction for filers over 65, and the new car loan interest deduction that landed on its own Schedule 1A. Most of these phase out by income and most of them expire after 2028, which is exactly why we spend the rest of the segment on Roth conversions. We share a real client story about an 85 year old living in Belgium where the conversion math came down to two countries' current tax rates rather than a guess about future policy, because guessing is not a strategy. We also open up Trump accounts and what compounding actually looks like for a newborn, including the $1,000 government seed for children born 2025 through 2028, why any child under 18 can have one, and the Roth conversion opportunity waiting at age 18. Plus a Tucson fun fact about a street that is not a street and not an avenue either. Our next free interactive financial planning seminar is Friday, August 21st at La Paloma Country Club. Lunch is on us and you will see exactly what our planning process looks like, start to finish. Sign up at www.GreenbergFinancial.com under the resource tab. If you have been thinking about taking us up on the free financial plan, this is the kind of clarity it brings. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed.  The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only.  A professional advisor should be consulted before implementing any of the options presented.   Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

What does it take to manage a multi-million dollar portfolio once you've stopped adding to it? In this episode of Money Matters, Scott and Pat dive into the complexities of high-net-worth retirement, focusing on the critical shift from "saving" to "strategic spending." Through real-world case studies, they explore why "tax location" is often more important than "tax allocation," particularly when it comes to bonds and individual stocks. They also tackle the psychological side of wealth—learning how to upgrade your standard of living and find joy in charitable giving through "warm hand" estate planning. In this episode, they discuss: -Markets & AI: The impact of economic warfare and whether AI productivity gains are sustainable. -Prediction Markets: Why you should be wary of platforms like Polymarket and Kalshi. -Portfolio Cleanup: Why "over-diversifying" into 30+ funds can be a retirement trap. -Strategic Giving: Using the "warm hand" approach to fund legacies and charitable causes today. -Roth Conversions: Navigating tax efficiency for portfolios in the $2M–$10M+ range. Featured Case Study: A deep dive into bond location and estate planning for a multi-million dollar estate. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Brain fog, weight gain, mood changes, disrupted sleep, and a fading sense of feeling like yourself can all become part of the perimenopause experience. But why do these changes happen—and why are so many women still struggling to find informed care? In Episode 347 of Money Matters, Christopher Hensley, RICP, CES, speaks with Dr. Susan Hardwick-Smith, a nationally recognized OB-GYN, certified menopause practitioner, author, and founder of Complete Midlife Wellness Center. Dr. Hardwick-Smith explains the hormonal transition from the fertile years through perimenopause and menopause, including how changing estradiol, progesterone, and testosterone levels may affect the brain, sleep, metabolism, muscle, mood, and sexual wellness. She also discusses the continuing debate around menopausal hormone therapy, why specialized menopause training matters, and how women can begin planning for a longer health span. In this conversation What perimenopause is and why symptoms vary Brain fog, mood, memory, and sleep changes Metabolism, insulin resistance, and midlife muscle loss Sexual wellness and the role hormones may play Questions surrounding the 2002 Women's Health Initiative reporting How to find a qualified menopause practitioner Practical steps women can begin taking in their 40s and 50s Chapters 00:00 Compliance disclosures and show introduction 00:38 Cold open: hormones and brain function 01:04 Welcome and episode introduction 02:46 The three hormonal phases of a woman's life 04:35 How perimenopause may affect the brain 06:14 Why symptoms vary from woman to woman 08:19 Hormone therapy and the 2002 WHI debate 13:03 Metabolism, muscle loss, and midlife weight changes 15:57 Sexual wellness, desire, and testosterone 19:13 Who may benefit from treatment and finding informed care 21:29 Advocating for yourself in the medical system 23:17 Why Complete Midlife Wellness Center was created 24:46 Create Her and planning for a longer health span 27:11 Three practical steps for women in midlife Resources mentioned Complete Midlife Wellness Center The Menopause Society practitioner directory Create Her: Aging Into the Healthiest Version of Yourself by Dr. Susan Hardwick-Smith — book details and preorder information (publishes February 2, 2027) Subscribe to Money Matters for practical conversations about the financial, physical, and personal decisions that shape a well-planned life. This episode is for educational purposes and is not personal medical advice. Treatment decisions should be made with a qualified healthcare professional. Medical interpretations and treatment perspectives expressed in the conversation belong to the guest.

In this episode of Money Matters, brought to you by Greenberg Financial Group, Dave, Todd, and Dylan run the show while the rest of the team is traveling, breaking down a rough week where the chip stocks led the market lower. We get into what Dave dubbed the "chip wreck," with the semiconductor group dipping into bear market territory for the month, and why we look at that kind of volatility as part of the territory when an entire industry is going through price discovery rather than a reason to abandon good companies. We talk through the names in the middle of it, from Micron and SanDisk to Taiwan Semi's blowout earnings and its plan to pour another $100 billion into Phoenix, and why we still believe the demand story for AI is only getting started. We also dig into some encouraging news on inflation, with both CPI and PPI posting their biggest monthly drops in years as lower oil worked its way through, even as tensions in the Strait of Hormuz pushed crude back up sharply on the week. And we spend real time on the shift at the top of the market, with Apple retaking the largest company crown from Nvidia, and what that rotation is telling us. The back half of the show is all about planning, and the levers that actually matter in retirement. We walk through Roth conversions and the sweet spot in your early sixties, why QCDs are the underappreciated cousin of tax planning, how RMDs work and when to take them, and why owning individual bonds, treasuries, and fee-based annuities can serve the more conservative saver who wants off the rollercoaster. It all ties back to our fiduciary, fee-based, financial-planning-first approach, and the difference between being a true advisor and just a money manager. We are also thrilled to introduce the newest member of the Greenberg Financial team, Hailey Glick, who is helping us build out an in-house tax practice launching in 2027. It is the next step in Dean's vision of a true family office, everything you need under one roof, and we get into how bringing tax planning alongside investments, estate work, and financial planning lets us look at your whole picture over decades rather than one filing season at a time. If you have been thinking about taking us up on the free financial plan, this is exactly the kind of clarity it can bring. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed.  The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only.  A professional advisor should be consulted before implementing any of the options presented.   Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

How do you turn a "jackpot moment" into a lasting family legacy? In this episode of Allworth's Money Matters, Scott is joined by partner advisor Richard Del Monte (while Pat is on vacation) to tackle the complexities of wealth transitions and family gifting. Through a $2.1 million case study, the team discusses how to support adult children through "giving while living" without creating family conflict. Then, Simone Devenny, Allworth's Head of Private Wealth Strategies, joins to share a masterclass in succession planning for business owners. Using a multi-million dollar business exit as a guide, she breaks down the financial planning techniques needed to minimize taxes and protect your legacy during a major liquidity event. Highlights include: The Gifting Dilemma: Managing "warm hearts vs. cold hands" in a $2.1M portfolio. The Business Exit: Estate strategies for multi-million dollar sales. Family Transparency: How to mentor the next generation on wealth. Tax Strategy: Sophisticated ways to protect your business proceeds.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

We talk with professional wedding planner Blakeley Santos about how to plan a wedding with clear priorities and a real budget so you don't start marriage under financial pressure. We share what couples overspend on first, how to cut costs without hurting the guest experience, and what to book fast when the timeline is tight. • January engagement rush and how wedding seasons work in Louisiana • Common early mistakes like booking vendors before doing price research • Handling family pressure and keeping the focus on the marriage • Budget reality checks when inspiration photos don't match the number • Typical budget weight on venue plus catering and bar • Floral sticker shock and how to quote the dream then scale back • Smart savings like candles, repurposing ceremony florals, and DIY bundles • Top priorities for 6 to 12 month weddings like venue, catering, band, photographer • What a planner provides through packages, vendor connections, and a live budget spreadsheet • Money conversations couples should have early, including who is paying • Ways to save through season choices and even a Sunday wedding Subscribe to the Money Matters Podcast, and visit neighborsfcu.org slash financial wellness for more tools to help you build a strong financial future. Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Maybe you've been wondering what a Trump Account is and does. This week, Chad P. Wilson unpacks the pros and cons of the account in this episode of Money Matters.  This episode was recorded on July 14, 2026 by Chad P. Wilson of Foundation Bank.

In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean phones in the monologue before Dave and Sebastian take the reins for a wide-ranging show. We open on the markets, where the rotation out of technology and into value has been the story of the summer, and where the chip stocks in particular have been testing everyone's patience with sharp swings in both directions. We talk through why that volatility comes with the territory in the AI space, how we think about it as long-term investors rather than getting shaken out of good companies, and why the earnings underneath all of it keep telling a story worth paying attention to. That leads into the bigger picture on the AI revolution, from the massive data center buildout that is really just getting started, to the eye-opening fact that a huge share of this quarter's earnings growth across the market is now tied to AI infrastructure. We get into the names in the middle of it all, the compute race playing out between the biggest companies, and why we still believe we are in the early innings of this cycle. The heart of this week is a conversation with our estate planning attorney we partner with, Jonathan Scibilia, and it is exactly the kind of thing that sets our one-stop-shop model apart. We dig into what happens when a minor is named as a beneficiary, why a conservatorship is a costly headache most families never see coming, and how the right trust structure can protect your heirs and keep more in the family. We also get into inherited IRAs and the ten-year rule, incentive trusts that reward the milestones you care about, and why getting this right up front saves so much down the road. We also cover the new Trump accounts now available for eligible kids, the ongoing situation with Iran and where oil goes from here, and a few individual stories moving stocks this week. And as always, we come back to the plan, because coordinating your investments, your taxes, and your estate under one roof is the whole point of what we do. If you have been thinking about taking us up on the free financial plan, this is exactly the kind of clarity it can bring. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed.  The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only.  A professional advisor should be consulted before implementing any of the options presented.   Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

What if your flower farm doesn't just have a profit problem, but a money relationship problem? In this episode of the Six Figure Flower Farming Podcast, Jenny Marks has a real, farmer-to-farmer conversation about why it's okay to want your flower farm to make money, pay you well, and support your family. Profit does not make you selfish, greedy, or less passionate about flowers. It's what keeps a flower farm business alive. Jenny walks through the money myths that keep flower farmers undercharging, overworking, and avoiding the numbers that actually matter. You'll hear why profitability needs to show up on your calendar, not just in your goals, and how tracking your costs, improving your marketing, following up with customers, and making data-based decisions can help you build a profitable flower farming business without guilt. Did you enjoy this episode? Please leave a review on Apple or Spotify. Get your personalized profit roadmap: www.trademarkfarmer.com/roadmap Follow Jenny on Instagram: @trademarkfarmer Find free flower business resources: www.trademarkfarmer.com/note

In this episode of Money Matters, Scott and Pat dive into a $5M client case study on the hidden dangers of stock concentration and explain why a $1.5M Roth conversion might be your smartest tax move. They also tackle direct indexing and welcome Allworth partner advisor Victoria Bogner to share the story of "Jim and Karen." You'll hear how this retired couple unknowingly had 35% of their $5 million portfolio tied up in just eight stocks—and how a shift in "asset location" saved them six figures in projected taxes. Key Topics Included: -Roth Conversion Strategies: Managing large pre-tax balances at age 65. -Direct Indexing vs. Cash: Understanding the risks and tax-loss harvesting. -The "Asset Location" Secret: Why the right account type matters for your bottom line. -The Saver's Mindset: Transitioning from building wealth to enjoying it.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

We step away from pure budgeting and get honest about enjoying money through travel, with a focus on what “luxury” really means when time is your most limited resource. Angela Alesi of Heirloom Journeys shares how intentional planning turns a trip from a stressful expense into an investment in memories, health, and connection. • redefining luxury travel as intentional travel built around time, purpose, and how you want to feel • why “someday” delays dreams without requiring commitment • how health, energy, and mobility shape the best itinerary long before you book • common DIY travel planning mistakes, especially logistics and unrealistic pacing • what a discovery call looks like and the questions we should ask, including what you do not want • how destination relationships unlock unique experiences and help you pivot during disruptions • how far ahead to plan for big trips to get better options and less stress • why multi-generational travel has surged post-pandemic and how to plan for different ages Plan the life you want. Pick one dream trip you've been putting off, add it to your budget, and treat it like a priority. Remember, tomorrow's not promised. Start a dedicated travel savings fund, set a timeline, and break it into small monthly goals. Use the right resources to maximize your experience. Travel doesn't have to be expensive, but it certainly can be luxurious. That's a wrap on today's Blueprint Building Blocks. Stay on track with your financial journey, subscribe to the Money Matters Podcast, and visit neighborsfcu.org slash financial wellness for more tools to help you build a strong financial future.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Are you tired of getting to the end of the day and wondering if you got anything valuable done? Chad P. Wilson presents a simple framework for getting more of the right things done in this week's episode of Money Matters.  This episode was recorded on June 30, 2026 by Chad P. Wilson of Foundation Bank.

Can you support your adult children without derailing your retirement? In this episode of Money Matters, Scott and Pat dive into the financial realities of a caller with a nearly $10M net worth who is spending $75,000 a year to support his adult daughter. They break down the math on his retirement timeline and uncover a common "tax efficiency" mistake that could be costing him significant returns. Also in this episode: The "Shell Game" of State Budgets: How budget constraints in states like California could impact your long-term security. Roth Conversions & Moving States: Why a move from California to Nevada completely changes the math on Roth conversions and RMD management. The "Payroll" Pitfall: The hidden risks of putting family members on your business payroll for tax benefits. Investing "Backwards": Why your 401(k) and brokerage account allocations might be working against each other. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

In this episode of Money Matters, Chris Hensley welcomes Jabez Roberts, host of The Working Budget and The Boardroom Podcast. Jabez shares the story behind launching The Working Budget, a new podcast focused on practical financial education, money management, and helping everyday people understand how money moves through their personal economy. Chris and Jabez discuss the connection between Kaizen and compound interest, showing how small, consistent improvements can create meaningful long-term growth. They also explore why budgeting is often misunderstood, why money decisions are emotional, and how a working budget can help people prepare for emergencies, save for the future, and spend with more intention. Jabez also shares the books that shaped his view of money, including The Richest Man in Babylon, Rich Dad Poor Dad, and One Up On Wall Street. The conversation touches on entrepreneurship, stewardship, financial education, and Jabez's mission to build a media-first education platform for Caribbean nationals and beyond. Whether you are new to budgeting or looking to improve your financial habits, this episode offers a practical reminder: budgeting is not about restriction. It is about creating a roadmap for your money and your future self. In This Episode Chris and Jabez discuss: The launch of The Working Budget Why budgeting is a roadmap to financial success How Kaizen connects with compound interest Why small daily improvements matter The difference between saving and investing Why money is emotional How impulse spending affects long-term goals Emergency funds and financial resilience The importance of practical financial education Books that shaped Jabez's approach to money The future of Zeilhan, The Boardroom Podcast, and The Working Budget Guest Jabez Roberts Host of The Working Budget and The Boardroom Podcast Website: media.zeilhan.com

Episode Description In this episode of Money Matters, Chris Hensley welcomes Chris Clinard, host of the Books4Guys podcast and founder of the Books4Guys community. Chris shares the story behind Books4Guys, a platform built to encourage more men and young people to read, explore new ideas, and build lifelong learning habits. The conversation covers why men are reading less, how books can shape critical thinking, the surprising value of fiction, and why reading is more than just a hobby — it is a tool for personal growth, leadership, and better decision-making. Chris also discusses the Books4Guys book giveaway program, which supports authors while getting books into the hands of students, athletes, and communities. From high school football programs to conversations with authors, athletes, doctors, and leaders, Chris explains how books can open doors to new perspectives and long-term impact. Whether you are already an avid reader or looking for a reason to pick up your next book, this episode is a reminder that curiosity, learning, and growth can start with just one page. Topics Covered Why men are reading less — and why it matters How reading builds critical thinking and curiosity The importance of fiction for creativity and development The mission behind Books4Guys Supporting authors through book giveaways Getting books into the hands of young men and students Lifelong learning, leadership, and personal growth Avoiding distraction and replacing doom scrolling with deeper learning Guest Chris Clinard Host of Books4Guys Website: Books4Guys.com

In this informative episode, host Wendy Jones sits down with Brian Kurtz, a seasoned financial advisor with AIP Financial. Brian breaks down complex retirement planning topics in a simple and practical way, including how RMDs work, why they matter, and how failing to take them properly can lead to IRS penalties. We dive into the world of annuities, explaining the differences between immediate and deferred , as well as fixed, indexed, and multi-year guaranteed annuities (MYGAs). Brian highlights how these tools can provide guaranteed income, protect against market losses, and offer stability in uncertain financial times. Key Highlights in this Episode: Understanding RMDs (Required Minimum Distributions):Brian explains how RMDs begin at age 73, how they are calculated based on retirement account balances and life expectancy, and why missing them can result in IRS penalties. He also shares strategies for managing withdrawals across multiple accounts. Tax-Smart Retirement Strategies:Learn how Qualified Charitable Distributions (QCDs) can allow retirees to satisfy RMD requirements while reducing taxable income and supporting charitable organizations. Annuities Simplified:Brian breaks down immediate vs. deferred annuities, and explains how fixed annuities—including indexed annuities and MYGAs—can provide guaranteed growth, income security, and protection from market downturns. Safe Money vs. Growth Investing:A practical discussion on balancing retirement portfolios. Podcast Schedule: Tune in to Next Steps for Seniors with new episodes dropping twice a week at 7:00 AM! Every Tuesday: Educational and insightful content to help you navigate the practical steps of aging. Every Friday: Spiritual and emotional support to encourage your heart and mind. Be sure to subscribe on Apple, Spotify, IHeart Podcasts so you never miss an episode, and if you enjoyed today's show, please leave us a rating and review!Learn more : https://omny.fm/shows/next-steps-4-seniors-with-wendy-jonesSee omnystudio.com/listener for privacy information.

Is the current AI boom a repeat of 1999? In this episode of Money Matters, Scott and Pat dive into the "irrational exuberance" surrounding tech IPOs and the hidden dangers of concentration risk in a high-net-worth portfolio. Plus, they break down real-world case studies on tax efficiency and retirement income. What You'll Learn: The AI "Froth" Factor: Why 97x revenue valuations for new IPOs are a warning sign for diversified investors and how to manage concentration risk in big tech. The Roth Conversion Reality Check: A $1.1M case study on why "pre-paying" taxes through a Roth conversion isn't always the right move for your legacy. The Annuity Trap: How to spot high-commission products that are often sold as "safety" but may actually hinder your retirement flexibility. Self-Insuring Long-Term Care: Strategic planning for healthcare costs when you have the assets to skip traditional insurance. Whether you are navigating market volatility or fine-tuning your estate plan, Scott and Pat provide the fiduciary perspective you need to protect your wealth.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

When does a Roth Conversion make sense—and when could it be a costly mistake? In this episode of Money Matters, Scott and Pat tackle one of the most common retirement planning questions: whether a Roth Conversion is the right move for your financial future. They break down a real-life caller's situation involving IRAs, pensions, charitable giving, required minimum distributions (RMDs), and the tax implications of converting retirement assets. The show also features an emotional conversation with Laura, a member of the “sandwich generation” who is balancing retirement planning while supporting aging parents and a special-needs child. Scott and Pat discuss pension decisions, reverse mortgages, life insurance needs, and how to navigate competing financial priorities without sacrificing long-term security. Plus, they explore tax-efficient investing strategies, asset location, charitable giving through donor-advised funds, and why taxes may be one of the biggest threats to your retirement wealth. If you've ever wondered whether a Roth Conversion belongs in your retirement plan, this episode is packed with practical insights. What You'll Learn: -Roth Conversions & Retirement Tax Planning -Tax-Efficient Investing Strategies -Retirement Planning for the Sandwich Generation -Reverse Mortgages & Aging Parent Care -Charitable Giving, RMDs & Retirement Income Planning   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

How do you make smart financial decisions after you've already built significant wealth? In this week's episode of Allworth's Money Matters, Scott and Pat help a retired couple with an $11 million portfolio evaluate Roth conversions, estate planning, charitable giving, and strategies to improve tax efficiency. Then they speak with a 52-year-old listener navigating uncertainty in the alcohol industry while balancing retirement savings, college expenses, and cash reserves. Should he use taxable assets to maximize his 401(k) contributions? Scott and Pat weigh in. The episode also features Allworth advisor Laurie Ingwersen, who explains how investors with concentrated stock positions can reduce risk while improving tax efficiency. Laurie shares a real-world case study of a client whose portfolio was 70% invested in a single stock and the strategies used to diversify, manage taxes, and preserve long-term wealth.   What You'll Learn: -Whether Roth conversions still make sense for high-net-worth retirees -How to improve tax efficiency through smarter asset location and portfolio design -When it makes sense to use taxable assets to maximize retirement savings -Strategies for reducing risk in concentrated stock positions -How to balance wealth preservation, charitable giving, and legacy planning   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

After decades of saving and investing, how do you know when it's okay to truly enjoy your money? In this episode of Money Matters, Scott and Pat help a couple with nearly $8 million determine how much home they can comfortably afford after relocating to Florida, while another listener with more than $12 million asks whether Roth conversions still make sense given today's tax rules and retirement tax planning environment. They discuss retirement tax planning strategies, the dangers of chasing “popular” AI stocks, and how AI-powered scams are targeting investors and older Americans. What You'll Learn: -When Roth conversions can help lower future taxes -How much house people can realistically afford -Better retirement tax planning strategies -How to invest more tax efficiently -Warning signs of today's most common financial scams Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Why do so many successful investors struggle to actually enjoy the wealth they've built? In this Memorial Day weekend episode of Allworth's Money Matters, Scott and Pat talk with UCLA professor and behavioral expert Hal Hershfield and explore the emotional side of money, retirement, and investing. From fear of running out of money to recency bias and loss aversion, this episode dives deep into the hidden psychological forces that shape financial decisions — even for millionaires. If you've ever wondered why investors panic during market drops, hesitate to spend in retirement, or obsess over past financial mistakes, this conversation about investing will completely change how you think about money. Scott, Pat, and Hal unpack why wealthy retirees often struggle to spend confidently, how emotions influence investing decisions, and why understanding investor psychology may be just as important as understanding the stock market itself. They also discuss longevity insurance, risk tolerance, mental accounting, and how advisors can help clients align money with purpose and happiness. Whether you're approaching retirement or simply want to become a smarter long-term investor, this episode offers powerful insights into the psychology behind successful investing and financial decision-making. What You'll Learn: -Why many wealthy retirees are afraid to spend money -How loss aversion impacts investing decisions -The dangers of recency bias in the stock market -Why financial regrets stick with us longer than successes -How psychology shapes investing behavior -The emotional side of risk tolerance and market volatility -How “mental accounting” affects spending habits -Why longevity insurance hasn't caught on with investors -How financial advisors help clients align money with life goals Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.