Allworth Financial’s Money Matters

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Retirement planning when life happens

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.

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.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.

This too shall end.

On this week's Money Matters, Scott and Pat discuss the challenge of rebalancing your investments when the stock market has performed well.

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.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.

Ballooning national debt and the risk to retirees

On this week's Money Matters, Scott and Pat discuss the reasons why America’s rapidly growing debt could hurt retirees.

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.

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.

The allure of a risk-free retirement

On this week's Money Matters, Scott and Pat discuss the unsavory ways some financial advisors are promising to help investors “retire without risk.”

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. 

Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.

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